FAQ | Support | American Express® Savings

Link your external bank account to your 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 Savings account in 1-2 Business Days ‡

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

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Just opened a Savings account?

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Set up a one-time or recurring transfer

Connect login for Savings and Card websites

Link your external bank account to Savings

Set up Account Beneficiaries

Learn more about FDIC Insurance

Set up bookmarks on your Mobile Device

Homeschooling. American Express 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.

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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.

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Deposit Account Agreement ● Privacy Statement ● Need Help? ● Questions about Online Security

Deposit Account Agreement ● Privacy Statement

Need Help? ● Questions about Online Security

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 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 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.