A Message for our Personal Savings Customers:  Our online banking website remains available to you 24/7 to access and manage your account. Create online access, locate your user name, reset your password, check balances, deposit checks by phone, transfer money, set up alerts, and more, on your computer or mobile device. Instructions for using these digital tools and features are available by clicking here. If you require additional support, our 24/7 US-based Customer Service Team remain committed to supporting you.

Welcome Back!

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*
What Are You Saving For?

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 2 business days ‡ (does not include time needed to link accounts). In many cases, you may qualify for express transfers that can appear as soon as the same day. 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 2 business days.‡ Read More in FAQs

Frequently Asked Questions

  • How long does it take to transfer funds using the Personal Savings website?

    On the day you initiate your transaction on the Personal Savings website, the amount will be reflected in your Current Balance and will begin/stop earning interest immediately. Funds transferred into your Personal Savings account will be available for withdrawal on the 5th business day‡ after the deposit is initiated. External banks are required to reflect funds transferred to them within 2 business days, but most will do it within one business day. If you are eligible for, and select, expedited transfers, the bank could reflect your transfer as soon as the same day.

    Read more in FAQs

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

    If you initiate a transfer from your Personal Savings account using your external bank's website, we will usually receive the transfer request within 1-2 business days.‡ The transfer will be reflected in your Current Balance and Available Balance the following morning. The external bank will typically alert you when the funds are available.

    Read more in FAQs

  • 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.




based on % APY*