Does MySynch accept Bluebird Checks?

[fdrfan54]

Just wondering if Mysynch accepts Amex Bluebird checks for Credit Card Payments?

[carcdr]

Couldn't you just use the bill pay feature on the Bluebird site?

[UncleB]

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@fdrfan54 wrote:

Just wondering if Mysynch accepts Amex Bluebird checks for Credit Card Payments?

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I would say that's a definite no. 

Bluebird checks require a pre-auth code to be written on the check, which would obvioulsly be problematic with an online ACH debit.

Further, there's this:

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You cannot use the routing and account numbers on a Bluebird Check to set up a Direct Deposit or recurring ACH payments. 

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From:  https://www.bluebird.com/legal/member-agreement.html#bluebirdchecks-Pre-Authorization%20Required;%20...

If that's not enough to discourage you, just do a google search and you'll find plenty of instances of heartache where people tried to use Bluebird checks in a way they weren't intended to be used.

I would give their bill pay a shot; a while back there was a promo that prompted me to use it on my Serve card (same platform as Bluebird) and I found it to be just as fast as my bank's bill pay.

[Anonymous]

I'm curious, if blubird chacks are so difficult to use, why do tey exist? 

The checks I get form Citi and Discover can be used anyhwere, in almost any way. Either by paying another CC, Bills, Rent or car payment, and even deposit into your own bank account.

[UncleB]

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@Anonymous wrote:

I'm curious, if blubird chacks are so difficult to use, why do tey exist? 

The checks I get form Citi and Discover can be used anyhwere, in almost any way. Either by paying another CC, Bills, Rent or car payment, and even deposit into your own bank account.

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The Citi and Discover checks you are talking about are an entirely different creature... those are for accessing a credit line.

Bluebird checks are for accessing funds that are on a Bluebird prepaid card, and are primarily for people who are unable to get a traditional checking account. 

Every time a Bluebird check is written, it must be entered into the app which provides an authorization code that must be written on the front of the check.  This is why you can't use the number from the bottom of a check for a credit card payment (ACH pull).  Like I mentioned before, though, their built-in bill pay works well.

[Anonymous]

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@UncleB wrote:

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@Anonymous wrote:

I'm curious, if blubird chacks are so difficult to use, why do tey exist? 

The checks I get form Citi and Discover can be used anyhwere, in almost any way. Either by paying another CC, Bills, Rent or car payment, and even deposit into your own bank account.

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The Citi and Discover checks you are talking about are an entirely different creature... those are for accessing a credit line.

Bluebird checks are for accessing funds that are on a Bluebird prepaid card, and are primarily for people who are unable to get a traditional checking account. 

Every time a Bluebird check is written, it must be entered into the app which provides an authorization code that must be written on the front of the check.  This is why you can't use the number from the bottom of a check for a credit card payment (ACH pull).  Like I mentioned before, though, their built-in bill pay works well.

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As far as I remember though, there's nothing to stop you using them for a single credit card payment, right?   Once you have the auth code, you can mail it in much like a BT check from other issuers.

[UncleB]

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@Anonymous wrote:

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@UncleB wrote:

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@Anonymous wrote:

I'm curious, if blubird chacks are so difficult to use, why do tey exist? 

The checks I get form Citi and Discover can be used anyhwere, in almost any way. Either by paying another CC, Bills, Rent or car payment, and even deposit into your own bank account.

---

The Citi and Discover checks you are talking about are an entirely different creature... those are for accessing a credit line.

Bluebird checks are for accessing funds that are on a Bluebird prepaid card, and are primarily for people who are unable to get a traditional checking account. 

Every time a Bluebird check is written, it must be entered into the app which provides an authorization code that must be written on the front of the check.  This is why you can't use the number from the bottom of a check for a credit card payment (ACH pull).  Like I mentioned before, though, their built-in bill pay works well.

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As far as I remember though, there's nothing to stop you using them for a single credit card payment, right?   Once you have the auth code, you can mail it in much like a BT check from other issuers.

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Yep, mailing one of them the 'traditional' way should (in theory) be fine, but there are posts on other forums where people had problems with the checks bouncing if they were deposited in any way other than directly with a bank.

Since it's impossible to control how a card issuer will deposit a payment (some tell you up-front they convert it in-house) the outcome of using a Bluebird paper check might be unpredictable, unless things have changed since the posts I found, which is possible.

Rather than mail one of the checks for a credit card payment, it would be easier, cheaper, and (in most cases) faster to simply use Bluebird's bill pay.  Knowing how sensitive to bounced payments Synchrony can be if it were me I would avoid Bluebird paper checks with them altogether.