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How do I make a deposit via check?
You may deposit checks by mail. If you write a check from your account at another bank, make the check payable to American Express National Bank and write your Savings account number on the memo line. If you send us a check made payable to you, please endorse it on the back with your signature and, below your signature, write “For Deposit Only in Account” followed by your Savings account number. Mail checks to:
American Express National Bank
P.O. Box 30384
Salt Lake City, Utah 84130
Deposits made by check are accepted at our sole discretion. We reserve the right to refuse, return, or limit any deposit you make to your account. Examples of the types of items we do not accept for deposit include multiple-endorsed checks, counter checks, starter checks, travelers' checks, and money orders.
We may return a check to you if it does not meet these requirements:
Looking for something else?
About Personal Savings
What it is, how it works and everything in between.
High Yield Savings Accounts (HYSAs)
Understanding Your Account
Quick links to get you—and keep you—on the right track.
Accessing and Managing Your Account
Privacy & Protection
Your savings are safe with us. And so are you.
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 rate referenced is from the FDIC's published Monthly Rate Cap Information for Savings deposit products. Visit the FDIC website for details.
†You are generally permitted to make up to nine (9) withdrawals or transfers out of your High Yield Savings Account during a monthly statement cycle. However, please note that there are strict rules for withdrawing money from an IRA plan (including an IRA High Yield Savings Account) before retirement age without incurring a penalty. 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.
§IRA Contributions are subject to aggregate annual limits across all IRA plans held at American Express or other institutions. IRA distributions may be taxed and subject to penalties based on IRS guidelines. Required minimum distribution, if applicable, is only relevant to this IRA plan and does not take into consideration other IRA plans held at American Express or other institutions. Please see IRS.gov for more information. We recommend you consult with a financial or tax advisor when making contributions to and distributions from an IRA plan account.