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As part of our strategy to serve the financial needs of our customers, American Express is currently offering two types of Individual Retirement Account (IRA) Savings Plans to our existing Savings customers who have a High Yield Savings or CD Account. We look forward to providing additional information in the future about the availability of IRAs to customers who do not already have an American Express Savings product.
Printable Forms
Accessing & Managing Your Account
Transfers, Deposits & Withdrawals
IRA Contributions & Distributions
Traditional IRA Direct Rollover
IRA Return of Excess Contribution Worksheet
Trusts & Beneficiaries
Sending a Form?
Once your form is completed, please submit it to us one of two ways.
Send Us Mail
American Express National Bank
P.O. Box 30384
Salt Lake City, Utah 84130
If you are mailing a check for deposit, please verify that it follows our check acceptance requirements.
For any correspondence related to IRA Plans, please use the following mailing address:
American Express National Bank
P.O. Box 30376
Salt Lake City, Utah 84130
Looking for something else?
About Personal Savings
What it is, how it works and everything in between.
High Yield Savings Accounts (HYSAs)
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.
Not finding what you need? Ask us anything, 24/7.
Call 1-800-466-6307
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 are generally permitted to make up to nine (9) withdrawals or transfers out of your High Yield Savings Account during a monthly statement cycle. However, please note that there are strict rules for withdrawing money from an IRA plan (including an IRA High Yield Savings Account) before retirement age without incurring a penalty. 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.
§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.