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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*
Maximize Your FDIC Coverage

American Express National Bank is an FDIC-insured bank. The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category. To understand your current coverage and learn how to increase your coverage to the maximum amount available, visit our page to learn more.

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.

  • How can I create a shortcut for faster access to my Personal Savings account through my mobile device or tablet home screen?
  • Does Personal Savings support trust accounts?

    Personal Savings does not offer trust accounts. However, we offer Payable on Death (POD) accounts, which let you designate that funds in your Personal Savings account be payable after your death (and after the death of any joint owner(s) of the account) to one or more surviving individual beneficiaries without having to set up a trust. Beneficiaries named on POD accounts must be individuals; POD accounts cannot be set up in the names of trusts. Certain state law restrictions apply to POD accounts. Please consult an attorney or a qualified estate planning professional before designating your account as a POD account. Personal Savings accounts can only be opened in the name or names of individuals, and not in the names of trusts.

  • How are American Express® Personal Savings accounts related to American Express® Card products?

    American Express Personal Savings accounts are not connected to American Express Card products. The login credentials of the Personal Savings and American Express Card websites are different, and the two suites of products
    do not share any transaction data, personal information, or balances.

    Once you open an American Express Personal Savings account, you can pay your American Express card bill with your Personal Savings High Yield Savings Account by following these steps:

    1. Log in to your Card account at AmericanExpress.com
    2. Click “Profile”
    3. Then click “Payment Options”
    4. Then double-click “Add Bank Account”
    5. Then input your American Express Personal Savings Account Number and the American Express Personal Savings Routing Number – 124085066 – along with your personal information

    Caution: This will use one of your six withdrawals per statement cycle.

  • Does the Personal Savings website integrate with Mint or Quicken?

    Currently, Personal Savings does not allow sites like Quicken or Mint to login on behalf of our customers. This is to protect the personal information of Personal Savings customers.

    Personal Savings does allow you to download transactions so that you can import them into Quicken by following these steps:

    1. Log in to your Personal Savings account at PersonalSavings.AmericanExpress.com
    2. Click the account that you want to download
    3. Click the “Download transactions” link at the bottom of the transaction history section

    Follow the prompts

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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