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How secure is the American Express Personal Savings site?

At American Express we want you to be safe and secure when you bank with us online or by mobile device. 

If you tell us within two (2) business days‡ after you learn of the loss or theft of your account access information or mobile device, your liability is limited to $50 if someone should access your account without your authorization. Immediately report any unauthorized transaction to us at 1-800-446-6307.

How We Protect You:

 

  • We are constantly monitoring activity for potential fraud.

  • We use multi-factor authentication, through one-time codes on non-recognized devices, to prevent unauthorized access.

  • We block unauthorized access by using numerous secure firewalls. 

  • We use Secure Socket Layer (SSL) encryption to create a secure connection with your browser when you login in or fill out an application online. This helps protect your personal information. 

  • We automatically log you out of your Account after 10 minutes of inactivity. This automatic safeguard helps protect you by preventing others from seeing or accessing your online accounts. 

  • We do not share your user names and passwords with anyone at any time – and we strongly recommend you do the same.

 


 

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 September 14, 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.