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How can we help?
We offer 24/7 support for your American Express® Personal Savings account.
Facts & Forms
24/7 Support
Looking for something else?
About Personal Savings
What it is, how it works and everything in between.
Understanding Your Account
Quick links to get you—and keep you—on the right track.
Accessing and Managing Your Account
Privacy & Protection
Your savings are safe with us. And so are you.
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‡.
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.
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.
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.
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.
*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 referenced is published in the FDIC's Weekly National Rates and Rate Caps; average rate used is for savings deposits under $100,000. Visit the FDIC website for details.
†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.