I actually have a bluebird card but I have never used it. It's free and anyone can get it.
The reason why I got it was because I do the cash back on receipts. When I get cash
back on my walmart receipts, I figured I would apply it to the bluebird account. I never
have though, instead I just use the cash back toward online purchases.
But the BlueBird IS a checking account, just like any bank. It is through American Express
but in conjunction with Walmart. I've read retired people also do automatic deposits with
their social security checks to BlueBird. Since Walmart is every where, it makes it easy for
people to do transactions.