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High-interest savings accounts help you save more – for whatever you save for.
American Express has over 170 years of experience in putting the customer first.
No fees + no minimum balance
Whatever your balance, you won’t get charged a fee. With no minimum balance, no deposit is too small.‡
NerdWallet: 10 Best High-Interest Online Savings Accounts of 2019
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Frequently Asked Questions
What is the advantage of online banking?
Do I get an ATM card, a debit card, or checks when I open a Personal Savings Account?
How are American Express Personal Savings accounts related to American Express Card products?
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How long does it usually take to transfer funds online?
Can I open an account for my trust or business?
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Accounts offered by American
Express National Bank. Member FDIC. Each depositor is insured to at least $250,000.
*The Annual Percentage Yield (APY) as advertised is accurate as of . Interest rate and APY are subject to change at any time without notice before and after a High Yield Savings Account is opened.
For a CD account, rates are subject to change at any time without notice before the account is opened. Your rate will be fixed on the business day‡ we receive your completed application, provided we receive your deposit within 30 days after your application is approved. After a CD is opened, additional deposits to the account are not permitted. Early CD withdrawals may be subject to significant penalties which could cause you to lose some of your principal. Please see the Deposit Account Agreement for additional terms and conditions and Truth-in-Savings disclosures.
**The national average APY referenced is published in the FDIC's Weekly National Rates and Rate Caps; average rate used is for savings deposits under $100,000. Visit the FDIC website for details.
†You may make up to nine (9) withdrawals or transfers out of your High Yield Savings Account during a monthly statement cycle. Read More in FAQs.
‡For purposes of transferring funds, business days are Monday through Friday, excluding holidays. Transfers can be initiated 24/7 via the website or phone, but any transfers initiated after 7:00 PM Eastern Time or on non-business days will begin to be processed on the next business day.
♢Calculations are estimates of expected interest earned. Actual results may vary, based on various factors such as leap years, timing of deposits, rounding, and variation in interest rates. The first recurring deposit is assumed to begin in the second period after any initial deposit.