Bluebird by American Express: fees, parental controls & FDIC status
Bluebird is American Express's low-fee prepaid account with family sub-accounts that work for teens; it is issued by American Express Travel Related Services — a non-bank — and its full fee schedule is filed in an active CFPB prepaid agreement.
Every figure on this page is sourced to an official document — see how in our methodology. Research information only, not financial advice.
Fees
- monthly
- $0 monthly (usage fees per the CFPB agreement)
FDIC coverage, verified
Checked against the FDIC BankFind registry by certificate number — not the app's marketing copy.
Change log
Detected from official filings and pricing pages — most recent first.
- Official pricing page changed — pricing page content changed (https://www.bluebird.com/)
- New fee agreement filed with the CFPB — agreement 53763 effective 2024-07-29
CFPB complaints
0 complaints on record at the CFPB for Bluebird by American Express, by product:
Frequently asked questions
Is Bluebird FDIC insured?
Be careful here — Bluebird is issued by American Express Travel Related Services, which is not an FDIC-insured bank, so standard FDIC deposit insurance does not apply the way it does at a chartered bank. The official terms are in the CFPB prepaid agreement (product 47434).
How much does Bluebird cost per month?
There is no monthly fee; specific usage fees (like out-of-network ATM withdrawals) are listed in the fee schedule filed with the CFPB.
Sources
- CFPB agreement (effective 2024-07-29)
- CFPB Prepaid Product Agreements Database
- Official pricing page (snapshot 2026-08-13)
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