Serve Load Limits & Types
Two months ago I cancelled my Bluebird card and switched it over to a Serve card. In case you missed it, I detailed how to make the switch and how to get the special Serve with Softcard (formerly ISIS) instead of the normal Serve.
Higher Serve Load Limits with Softcard
The main reason to get the Serve with Softcard is that it has higher load limits for credit & debit cards. The normal Serve load limits for credit & debit cards are $200 per day/$1000 per month while the limits for the Softcard version are $500 per day/$1500 per month.
Not only can you load an additional $500 per month from both a credit and debit card with the Softcard version, but you can load more in one day, making it possible to hit your monthly limit in a shorter amount of time. Unfortunately Serve’s site is setup for normal Serve cardholders, so it isn’t necessarily easy to see how to add $500 per day.
Don’t Believe the Site! Your Load Limit is Higher.
After setting up your Serve account, you will probably head straight to the settings to add a credit card. This way you can start online loads. On the add credit card screen, you may notice that it shows the normal Serve load limits. (Shown above.) That is what initially threw me off.
Loading $500 to Serve with Softcard
Fortunately Serve knows you have a superior card and will let you load more. After clicking on “Add Money”, it will show a number of buttons with dollar amounts ranging from $20-$200.
At this point all you have to do is type $500 into the “How Much” box and click “Review”. If you want to do a scheduled add, simply do the same thing when setting up the details. If normal Serve cardholders try to add $500, the load should fail, but it works for Serve with Softcard holders.
Perhaps this method (typing an amount into a box) seems like common sense, but for two months I did not know that I could do more than $200 in one day. Since the site mentioned the $200 daily limit, I never really tried to load more.
On the “Add Money” screen I usually just clicked the $200 button and didn’t think much of it. It wasn’t until a reader asked me about the $500 limit that I questioned my process.
For those new to Serve, I highly recommend getting the Softcard version if possible. It allows for higher monthly loads which amount to $6,000 per year of no-fee additional spending per person. Now that I know about the $500 per day ability, I can max out my credit card loads on the first three days of the month. In fact, I have sServe scheduled to do it automatically!