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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 Personal 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 Personal 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:

  • The check is not payable to American Express National Bank or to you.
  • You do not provide us with instructions indicating the account to which the check should be credited. You can do this by writing your account number on the memo line of the check. (You do not need to use deposit slips, although we can provide them on request)
  • We do not accept the type of item for deposit.
  • The check, if made payable to you, is not endorsed or is endorsed improperly. (Please do not endorse checks made payable to American Express National Bank.)
  • The check is not signed and dated.

 

 

More About Personal Savings

High Yield Savings Accounts (HYSAs)

Certificates of Deposit (CDs)

Trusts & Beneficiaries

 

Looking for something else?

About Personal Savings

What it is, how it works and everything in between.

High Yield Savings Accounts (HYSAs)

Certificates of Deposit (CDs)

Trusts & Beneficiaries

Understanding Your Account

Quick links to get you—and keep you—on the right track.

Opening an Account

Accessing and Managing Your Account

Transfers, Deposits & Withdrawals

Bookmarking & Shortcuts

Privacy & Protection

Your savings are safe with us. And so are you.

Account Security

Personal & FDIC

Terms & Conditions

 

Accounts offered by American

Express National Bank. Member FDIC. Each depositor is insured to at least $250,000.

Learn More from FDIC.gov

*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 is accurate as of October 26, 2020, as published in the FDIC's Weekly National Rates and Rate Caps; average rate used is for deposits under $100,000.

 

†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.