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Introducing Our New Prepaid Debit Accounts

Get a Serve Prepaid Card

NO credit check

NO minimum balance

NO hidden fees

American Express Serve Prepaid card and Mobile App

How it Works

1 Easy to Get the Card That’s Best for You

Register online to get one of our new Prepaid Debit Cards in the mail for free

2 Easy to Set Up

Use Direct Deposit, add checks using your mobile phone,2 link your debit card or bank account and load cash at thousands of locations, including CVS/pharmacy®, Dollar General®, Family Dollar®, Rite Aid®, Walmart® and participating 7-Eleven® locations.

3 Easy to Use

Pay bills, buy groceries, shop online, withdraw cash for free at over 24,000 MoneyPass® ATMs,3 send and receive money between family and friends with Serve Accounts, and use virtually anywhere American Express® Cards are accepted.

Add Money to Your Serve Prepaid Card

Free Direct Deposit with the American Express Serve Prepaid Account

Direct Deposit

Direct Deposit is FREE. Get all or part of your paycheck added directly to your American Express Serve® Prepaid Account.

Load cash on the Serve Prepaid Card at one of the 27,500 partner locations

Cash Reloads at the Register

Add cash across 45,000 locations. Just give the cash and your Prepaid Card to the cashier for the money to be immediately added to your Card.

The American Express Serve Prepaid Card offers many benefits

American Express Serve®
Prepaid Card Membership Benefits

24/7 Customer Service

Access the American Express Standard of Service 24/7.

Fraud Protection

If your American Express Serve Card is lost or stolen, we protect you against fraudulent purchases.

Purchase Protection4

Shop with added confidence and Purchase Protection,4 which can help protect eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase. Please read important exclusions and restrictions.

FDIC Insurance

Money held in registered American Express Serve Accounts is eligible for FDIC pass-through insurance. Temporary Card funds are not FDIC insured. For more information, please visit

Amex Offers

Explore a range of offers–shopping, dining and more–from places you love. It's easy and free. See what Amex Offers you.

Membership Experiences®

Get special savings and advance tickets to some of the hottest events in sports and entertainment.5

Get started now.

Get a Card

If you currently have an American Express® Prepaid Card, PASS from American Express®, American Express® for Target, or American Express® Campus Edition Reloadable Prepaid Card, please refer to the back of your Card for information on reloading and servicing your account.


1 Earn 1% Cash Back on purchases (less returns/credits) rounded to the nearest dollar, added to your Account after you use your Card. Rounding purchases to the nearest dollar means that you won’t earn a fraction of a penny in Cash Back. For example, a purchase of $0.01-$0.49 rounds to $0.00 (you don’t earn Cash Back), a purchase of $0.50-$0.99 rounds to $1.00 (you earn $0.01 Cash Back), and so on. Cash Back is typically applied to your Account promptly after your purchase, but could take up to 60 days. Cash Back can be redeemed and used only for future purchases made with your Card and cannot be redeemed for cash or otherwise exchanged for value. Subaccounts are not eligible to earn Cash Back. ATM transactions, fees and Serve Online Bill Pay are not purchases and do not earn Cash Back. For full terms and restrictions, see the Cash Back User Agreement.

2 Data rates may apply.

3 Transactions at non-MoneyPass® ATMs have a $2.50 American Express Serve fee. ATM operator fees may also apply. See for details.

4 Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0951, Policy AX0952, Policy AX0956, or Policy PP-IND. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items lost by Card Member, consumable and perishable items, motorized vehicles and their parts or accessories, and items damaged partially or entirely by natural disaster or normal wear and tear. Other important exclusions apply. You will only be reimbursed for the amount charged to your eligible Card; coverage is limited up to USD $1,000 per occurrence; not to exceed USD $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. For full Terms and Conditions, see

5 Offer valid in select cities. During the specified sales period, tickets are available exclusively to all American Express® Card Members (including Prepaid and International Cards). Tickets must be purchased with an American Express Card (including Prepaid and International Cards). Standard service charges apply. Offer is subject to availability. Not all seats are available and blackout dates apply. All sales final. No refunds. No exchanges. Offer may be changed or revoked at any time at the sole discretion of American Express. Some events may not be accessible to Card Members with disabilities.

Currently there are no cash reload locations in the US Virgin Islands.

American Express Serve© Accounts available to U.S. residents who are over 18 years old only (or 19 in certain states) and for use virtually anywhere American Express© Cards are accepted worldwide, subject to verification. Fees apply. Other eligibility and restrictions apply. See the American Express Serve Consumer User Agreement for details.

American Express Serve Service and Card are provided and issued by American Express Travel Related Services Company, Inc., 200 Vesey Street, New York, N.Y. 10285. American Express Travel Related Services Company, Inc. is licensed to engage in the transmission of money on behalf of the public. Click here for information about addressing complaints regarding our money services business, lists of our money services business licenses and other disclosures.

All users of our online services subject to the Privacy Statement and agree to be bound by Terms of Service.

© 2015 American Express Travel Related Services Company, Inc.  All rights reserved.