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We value your loyalty. By trusting us with your hard-earned savings, your High Yield Savings Account is earning interest at a competitive APY*:

% APY*
Share Your Personal Savings Story

At American Express® Personal Savings we love hearing about what motivates our customers to save, especially when their Personal Savings account plays a supporting role.

Visit our Member Moments page to share your story

Let your savings grow.

Transfer Your Funds Faster Online

The fastest method for transferring funds online – so they are available as soon as possible – is by pushing the funds to the destination bank. Pushing your funds means initiating the transfer on the website of the bank where the funds are currently being held.

Transfer Funds
Pushing Your Savings into your Linked Bank Account

If you are transferring funds from your American Express® Personal Savings account to an external account, select the linked destination account on the Personal Savings site and initiate the transfer during business hours‡. When using this method, the funds should appear in the destination account in 1 to 3 business days ‡ (does not include time needed to link accounts). Read More in FAQs

Transfer Funds
Transfer Funds
Pushing Funds into your Personal Savings Account

If you are transferring funds from an external bank into your Personal Savings account, you should initiate the transfer with your external bank. When using this method, the funds should appear in your account in 1 to 3 business days.‡ Read More in FAQs

Frequently Asked Questions

  • How long does it take to transfer funds when initiated on the Personal Savings website?

    Pulling Funds from Your Linked External Bank

    • On the day you initiate your transaction on the Personal Savings website, the funds will be reflected in your Current Balance and begin earning interest. However, due to a hold period for due diligence, the funds will not appear in your Available Balance until the 5th business day ‡ after the deposit is initiated.

    Pushing Funds to Your Linked External Bank

    • On the day you initiate your transaction on the Personal Savings site, the amount will be deducted from your Current and Available balance and the funds transfer will be initiated. The funds will generally be reflected at your bank in 1-3 business days.‡ Please refer to your external bank’s policies on incoming transfers – external banks have differing policies on how quickly they reflect those funds in your account and when they are available for use.

    Read more in FAQs

  • How long does it take to transfer funds when initiated on my external bank's website?

    Pulling Funds from Your Personal Savings Account

    • If you initiate a transfer to your Personal Savings account with your external bank, we will generally receive the transfer request during non-business hours 1-3 business days ‡ later. The transfer will be reflected in your Current Balance and Available Balance the following morning. Please note: Depending on your external bank’s hold policy, it may not be immediately available to use.

    Pushing Funds to Your Personal Savings Account

    • If you initiate your transaction with your external bank, we will receive the funds during non-business hours.‡ They will be reflected in both the Current and Available Balances and begin earning interest the following morning. It may take 1-3 business days ‡ from the time you initiate your transaction, depending on when your external bank sends the transaction.
  • Why do I have to enter a code from a text/email when I want to log in?

    If you clear your internet browser’s “cookies”, change your password, log in from a different device (computer, smart phone, or tablet), or 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 in order to ensure we are communicating with the authorized account holder. If you are consistently using the same device and the same password and you 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.

  • How do I change my password, retrieve a forgotten username and password, or unlock my account?

    You can change your password when logged in by clicking the My Profile tab and selecting Change Password. You need to enter your current password in order to create your new password. The same password cannot be used consecutively.

    If you have forgotten your user name or password, go to the login page and click either the "Forgot User Name?" or "Forgot Password?" link and follow the prompts.

    If you are locked out of your account (and the page requests you contact us), please call us at 1-800-446-6307 and ask the Representative to issue you a temporary 6-digit password . This method will allow you to keep your current password.

Open a high yield savings account and watch your savings grow.

Use our savings calculator and see how much interest your deposit could earn. Simply enter your initial funding amount, your estimated recurring transfers, and your investment period - and discover how much your high yield savings can grow over a long-term period. Savings calculator is for illustrative purposes only. See below for details.

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based on % APY*

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