Accessing and managing Your Account Online

Follow these simple steps to Create Online Access, Retrieve Your User Name, and Reset Your Password, allowing you to access and manage your Personal Savings account online. Additional Resources are also listed below with step-by-step instructions for performing some of the frequently accessed self-servicing tasks after login.

Create Online Access
Create Online Access

If you have never logged in to your Personal Savings account online, you will need to create online access. This will allow you to access and manage your funds from your own personal device. Create online access by clicking here.

  1. Validate your Social Security Number and Home Zip Code and click the Create Online Access button
  2. Enter the one-time identification code that will be sent to you via text or email
  3. Create your unique User Name and Password following the instructions on the screen (shown to the right)
  4. Click Submit and you will be taken into your online account

Create Online Access
Retrieve User Name
Retrieve Your User Name

If you have logged in to your Personal Savings account previously, but forgot your User Name, you can retrieve your existing User Name from our Login Page by clicking here

  • Click the Forgot User Name? link
  • Validate your Social Security Number and Home Zip Code
  • Click Next and we will send your User Name to the email address we have on file

Retrieve User Name
Reset Your Password
Reset Your Password

If you have forgotten your password, or you wish to proactively reset it, you may follow the steps below from our Login Page by clicking here

  1. Click on the Forgot Password? link
  2. Enter your User Name, Social Security Number and Home Zip Code
  3. You will receive a one-time identification code, enter the code into the field provided
  4. Create your new password following the rules outlined on the password creation page

Reset Your Password
Helpful Links
Additional Resources

Please access the below resources to assist you with managing your Personal Savings account online: 

Frequently Asked Questions

  • What is a one-time identification code?

    If you change your password or log in from a different device, we will provide you with a one-time identification code to verify your identity. This one-time identification code is one of a number of security measures American Express National Bank uses to protect the security of your account.

    We send the one-time identification code to you by email, SMS (Text) message, or phone call to ensure we are communicating with the authorized account holder. For phone, the one-time identification code can only be sent to direct lines.  If you select this option, and your phone number requires dialing an extension, you will not receive your one-time identification code.  For email, some internet service providers and corporate email servers may block these messages. Consequently, they are located in a “junk” folder or are not delivered at all. Text message is usually the fastest and most reliable delivery method.

    Please note that while we try to send the code immediately, many factors may delay when you receive the code in your inbox or mobile device.

  • Why do I have to enter a code from a text or email when I want to log in?

    If you clear your internet browser’s “cookies”, change your password, or log in from a different device (computer, smart phone, or tablet) – or if you do not check the “Remember this device” box when you enter your code, we will provide you with a one-time identification code to verify your identity. This one-time identification code is one of a number of security measures Personal Savings uses to protect the security of your account.

    We send the one-time identification code to you by email, SMS text message, or phone call to ensure we are communicating with the authorized account holder. If you are consistently using the same device and the same password, and are still required to use a one-time identification code, please ensure you are checking the “Remember this device” checkbox when you enter the code. If you are, then check your browser and privacy settings, as your browser may be automatically clearing cookies after every session.

  • Is there a limit to how much money I can put in my account?

    American Express National Bank reserves the right to refuse, return, or limit any deposit you make to your account, and to set a maximum total account balance per depositor, in our discretion. The current maximum total account balance is $5 million.

    Should interest cause your balance to exceed $5M, you will continue to receive interest and your account balance can grow to exceed $5M. However, you will not be able to make any transactions that would result in the balance remaining in excess of $5M. No deposits can be made that would cause the balance to exceed $5M. In order to make an online withdrawal if the account balance has exceeded $5M, you will be required to withdraw an amount that would bring the balance to $5M or less. If you have a balance above $5M and you want to withdraw only a portion of the amount that exceeds $5M, please call 1-800-446-6307 to speak with a representative.