How do I dispute a transaction?
If you think your statement or receipt is wrong, or if you need more information about a transfer listed on your statement or receipt, please contact us as soon as you can. Direct your inquiries to:
- Customer Care Telephone Number: 1-800-446-6307
- Written Inquiries: American Express, P.O. Box 30384, Salt Lake City, UT 84130
We must hear from you no later than 60 calendar days after we have sent the FIRST statement on which the problem or error appeared. Please don’t forget to include:
- Your name and account number
- A description of the error or the transfer you are unsure about, explaining as clearly as possible why you believe it is an error, or why you need more information.
- The dollar amount of the suspected error
If you notify us orally, we may require that you additionally send us your complaint or question in writing within 10 business days.‡
We will investigate your complaint and will correct any error promptly. If we take more than 10 business days‡ to do this, and you have sent your complaint in writing, we will credit your account for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.
* 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.
** The national rate referenced is from the FDIC's published Monthly Rate Cap Information for Savings deposit products. Visit the FDIC website for details.
1 There is no minimum balance required to open your Account, to avoid being charged a fee, or obtain the Annual Percentage Yield (APY) disclosed to you.
2 For a CD account, rates are subject to change at any time without notice before the account is funded. The rate received will either be (i) the rate reflected during your application process or (ii) the rate being offered when your CD is funded, whichever is higher. All CDs must be funded within 60 calendar days from the time we approve your application or will be subject to closure. The interest rate and Annual Percentage Yield (APY) will be disclosed in your account-opening documents, which you will receive after completing your account-opening deposit. 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.
3 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 processing on the next business day. Funds deposited into your account may be subject to holds. See the Funds Availability section of your Deposit Account Agreement for more information.
4 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.
5 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.