New! Added Flexibility to Access and Manage Your Savings




American Express has made Savings account access more convenient. Savings customers who also have an American Express® Card can now combine all their account access under a single User ID and password. Once enabled, you will be able to use your User ID and password to access your Savings account alongside your Card account when using the American Express App, and when logging in here or at


To get started, follow the step-by-step instructions below to register your Savings account to your online Card profile. 



  STEP 1: Go to the Savings login page and click Log In with Amex Account.


You will see two options for accessing your Savings account, either by using your Card or your Savings login details:

Click the box on the left that says Log In with Amex Account to begin the one-time registration process.


If you don't have an Amex Card, or you have a Card but haven't set up an online profile, simply choose the Log In with Savings Account option.

Step 1


  STEP 2: Enter Amex Account User ID and password.


After clicking Log In with Amex Account, you'll be taken to a screen to enter your Card account User ID and password.


Click Log In to proceed.


*NOTE: If you are already logged in to your Amex Card Account and can see your Card Account dashboard, click the blue Personal Savings icon in the account switcher, located in the upper right corner of the "Home" screen, then follow the prompts to register your Savings account to your Card profile.


Step 2


  STEP 3: Confirm Your Amex Account Details. 


When accessing your savings account through this method for the first time, you will be asked to provide your Social Security number and date of birth to verify your Savings account ownership.


Add your personal information and click Continue to proceed to the next step.


Note: This information may be used to authenticate you when accessing your combined Card and Savings digital experience.

Step 1


  STEP 4: One Time Code Verification


To continue linking your Savings account to your Amex account, you will be asked to authenticate your account by providing a One Time Code. Please select one of the available delivery methods displayed on the page (text or email) to receive your unique One Time Code and click Continue.


Once you receive your One Time Code via your selected delivery method, enter the code and click Continue to finish adding your Savings accounts to your online Card profile.


In the future, when clicking Log In with Amex Account, you'll land directly on your Savings account dashboard after entering your Amex Card credentials, bypassing Steps 3 and 4.

Step 2


Check Your Savings On The Go


Congratulations, your Savings account is now linked with your Amex account!


For your security, you will be logged out and redirected to the Amex log in page to enter your User ID and password to access your consolidated account view. Now that your account is linked, you'll automatically see your Savings details in the Amex App and when logging in at


View your balance, interest rate, earnings and transactions anywhere, anytime.

Step 3


Accounts offered by American

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

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*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.


‡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 for more information. We recommend you consult with a financial or tax advisor when making contributions to and distributions from an IRA plan account.