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Prepaid Card Similar To AMEX Serve

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I like amex serve features for faster direct deposit or adding an external debit card to transfer money instantly to the amex. Or being able to create a subaccount. But being an amex gets in the way sometimes since not always accepted and you can't get cash back and things of that nature. Any of you know of a card with similar features thats a visa or master card?

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Not going to find an identical experience but gobank is a good alternative.

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Stubtify said:   Not going to find an identical experience but gobank is a good alternative.
  
Damn, thanks that's a great alternative.  

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Yea no problem. I do an ACH push from a bank account for $500 each month to avoid the $5 fee. Counts as DD.

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I'm just curious, but feel free not to answer if you don't want to. Why do you prefer a card like this rather than a bank account?

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There's no real benefit to the average user over a bank account. These products are for people who can't get a real bank account due to check bouncing/NSF issues. If you don't have the money the transaction is declined. Bluebird checks are actually more like cashiers' checks than private party--you input how much you want the check to be for and the cash is debited from your account immediately. You even put a code on the check that the recipient can call in and verify funds.

Because of the way I handle some FW type transactions using one of these cards earns me a small amount of money each month.

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meade18 said:   I'm just curious, but feel free not to answer if you don't want to. Why do you prefer a card like this rather than a bank account?

I don't know any banks with these features. Atleast they don't advertise 2-3 day early direct deposit or offer adding external debit card for instant transfer. You can add external bank but not debit card.

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What do you mean "faster" direct deposit. Do you get your money in your Amex Serve account faster than your co-workers get it into their bank account? I have my paycheck direct deposited into my checking account and it shows up ON payday. Do you get your paycheck BEFORE payday somehow?

I think there are banks with sub accounts as well. As far as instant transfer goes, yeah I guess not, but that's coming soon. I've never needed instant transfer before though.

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