I saw on a blog this weekend (I can't seem to find it anymore but here is an article I found when googling "bluebird not fdic" http://www.cutimes.com/2012/10/09/no-fdic-coverage-for-bluebird-from-amex-walmart) that one of the negatives of Bluebird is that it is not FDIC insured. I found it interesting that with all of this talk of Bluebird lately, this was the first time I read anything mentioning that on these mile blogs (or I might have missed it?). Is it really that big of a deal? If you load the $5000 a month on it, could Bluebird shut down and then you would be out $5000? Or would American Express have to shut down?