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How can we help?

We offer 24/7 support for your American Express® Personal Savings account.

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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

 

Transferring funds online is quick and easy.

Link your external bank account to your Personal Savings account, and we’ll take care of the rest. Transfers typically take 24 hours max, depending on your bank and whether or not it’s a business day.

 American Express

Transfer funds TO or FROM your Personal Savings account in 1-2 Business Days ‡

Easily move funds into or out of your Personal Savings account online. You can start earning interest the same day or quickly access funds for other needs.

Learn More

Just opened a Personal Savings account?

Love it. Let’s get you started.

Homeschooling. Personal Savings style.

Articles, education and other helpful resources. So you can continue to save like a pro.

5 Strategies to Get More Out of Your Savings

Ensure your savings account and CD funds are working just as hard to grow your money as you did to save the money in the first place.

Tell Me More

10 Ways to be a Better Saver

It’s never too late to start being a smart saver. Here are some approaches that could help make a better saver out of even the chronically savings-challenged.

Tell Me More

Not finding what you need? Ask us anything, 24/7.

Call 1-800-446-6307

 

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 19, 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.