Thursday, June 18, 2015

Serve Reloads at Family Dollar - $500 per Store is Not the Maximum

Serve is a great prepaid product available from American Express.  The benefits of Serve include $1,000 of online credit card loads with American Express cards, worth $20 a month with Fidelity American Express ($1,500 of loads if you are grandfathered into SoftServe).

In addition, you can load Serve via Debit Cards (AKA Visa Gift Cards) at Walmart and Family Dollar with a limit of $2,500 a day and $5,000 a month
$500 Per Day for the Entire Store
It has always been assumed that the maximum you can load at Family Dollar is $500 a day.  This maximum was $500 a day per store, not per person.  This meant that if someone came earlier and loaded $500 you are out of luck that day.

I don't know if that was ever true, but it is certainly not true anymore.

As you can see with the receipts above, I loaded $500 on one Serve card, followed by $400 on another Serve Card 50 seconds apart.

(New?) Loading Rules

Well, I don't actually know what the loading rules are and I think that the Family Dollar employees don't really know either.

Here is my manager's theory:
She told me that $900 can be loaded every 3 hour block.  If you load $900 at 9am or 10am, no one can load until 12pm.  12-3pm is the same, etc.

Is this true?  I don't know.  Try different combinations yourself and see what works.

One reader claimed that he is able to load $800 on one card with 4 $200 swipes in a row, then he moves on to the next card and does another $800.  The claim of his store manager is that everything is ok until he tries to load more than $999 on one card.

Bottom line - load limits are not clear, but they are certainly more than $500 per store.  Test the limits with different amounts and see what works and what doesn't.

Anyone else have any personal experience of loading more than $500?  Post in the comments below.