Contact Personal Savings at 1-800-446-6307
American Express National Bank

Routing #124085066
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Frequently Asked Questions

How do I dispute a transaction?

If you think your statement or receipt is wrong or if you need more information about a transfer listed on your statement or receipt, please contact us as soon as you can.

Direct Inquiries To:
Customer Care Telephone Number:
Written Inquiries:
P.O. Box 30384, Salt Lake City, UT 84130
We must hear from you no later than 60 calendar days after we sent the FIRST statement on which the problem or error appeared.
(1) Tell us your name and account number.
(2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
(3) Tell us the dollar amount of the suspected error.
If you notify us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error; so that you will have the use of the money during the time it takes us to complete our investigation.

How do I change my password or retrieve a forgotten username or password?

You can change your password by clicking the My Profile tab and selecting Change Password. You will 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 password, you can click on the "Forgot your User Name or Password?" link on the login screen.
Password Requirements
  • Must be alphanumeric
  • Must have a minimum 8 characters
  • Can have a maximum of 20 characters
  • Cannot repeat same characters more than 4 times consecutively
  • Must have a minimum of one alpha character
  • Must have a minimum of one numeric character
  • Is case sensitive
  • Must be different from your User Name
  • During password change, new password cannot be the same as the last password used
  • May include only the following Special Characters: %,&,_,?,#,=,-
  • May not include any spaces
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 that 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 the dialing of an extension, you will not receive your one-time identification code. Please note that while we send the code immediately, many factors can delay when you receive the code in your inbox or mobile device.

How do I contact American Express National Bank?

Personal Savings is available 24 hours a day, 7 days a week.

For customer service or to open an account, please call us: 1-800-446-6307

For FAX correspondence: 1-800-542-0779


Can accounts be opened in the name of a Trust or as an IRA?

American Express Personal Savings does not offer trust or IRA accounts.


How do I retrieve a saved application?

At any point in the application proces, you can save the information you have entered and then retrieve and complete the application later. When an application is saved and not completed, we will email you an Application ID to use in retrieving the application. Your application will be securely stored for up to 60 days.

You can easily pick up where you left off. You will just need to provide the application ID, along with the exact email address, Social Security Number and Birth Date that you originally provided when starting your application. The application ID can also be retrieved by contacting us at anytime at 1-800-446-6307.

What if I don't agree with all of the disclosure or don't want to sign the disclosure?

Acknowledging and agreeing to the Consent Statement, Deposit Account Agreement and related disclosures and certifications listed below is a required step in opening a new account because we must ensure that we have communicated all required terms and conditions of your new account. We are happy to discuss any questions you may have if you call us at 1-800-446-6307.

Consent Statement

You have a right to receive the Deposit Account Agreement and other disclosures in non-electronic format. However, if you do not agree to receive them electronically, you may not complete your application online. Please save your application and call 1-800-446-6307 to complete the application process by telephone and mail.

GLBA Privacy Notice

GLBA stands for the Gramm-Leach-Bliley Act of the US Congress.

Deposit Account Agreement

The American Express Personal Savings Deposit Account Agreement, as it may be amended or supplemented by American Express National Bank from time to time, constitutes an agreement between you and American Express National Bank. It establishes the terms and conditions governing the deposit products you have obtained from American Express National Bank. Please read this agreement carefully, and download/save or print a copy for your future reference. By clicking the I AGREE button online or by otherwise opening, using or continuing to have your account with us, you agree to the terms of this agreement.


Can my Personal Savings account statement be combined with my American Express card statements?

American Express Personal Savings statements are separate from American Express card account statements, and will be sent to you separately.


What if I don't want my Personal Savings account statements combined?

Our application process, by default, combines the statement of your new account with a statement from a Personal Savings account that you currently have. Please complete the application by selecting the combined statement option. Then please call us at 1-800-446-6307 so that we can help you change this option.


How can I make an initial deposit, or a deposit funds after account opening? Do I always have to use the same method?

When you open your account, you may choose to fund your account either by check or by electronic funds transfer (but not both at one time). If your desired initial funding method is via ACH transfer, you will first need to link an external bank account which you own to your Personal Savings account. For more information on how to link and external bank account, please click here. For more information on making deposits by check, please click here.

For Certificate of Deposit (CD) accounts, you can only fund your CD account once, at account opening, by either method. For High-Yield Savings accounts, after you make your initial deposit, you can deposit additional funds into your account after account-opening by either method.


Is there a minimum deposit requirement?

There is no minimum deposit required to open your American Express Personal Savings account. 


Can I add money to a CD after I make my initial deposit?

A Certificate of Deposit (CD) can only be funded once, when the account is opened. 


How long do I have to make an initial deposit?

Please fund your High-Yield account within 60 days after receiving approval of application, or your account will be closed.

Please fund your Certificate of Deposit account within 30 days after receiving approval of application to lock in your CD interest rate. If you do not fund your CD account within 60 days after receiving approval of application, your account will be closed.


How do I find my full account number?

You can see your full account number by logging into your Personal Savings account and selecting 'Show Account Numbers' button on the account summary of all your accounts or clicking on the button 'Show' displayed next to the last 4 digits of your account on the individual account detail pages. The American Express National Bank routing number is 124085066.


What are the transaction limits on my account?

High-Yield Savings Accounts are limited to a maximum of six online and telephone withdrawals or debits per monthly statement cycle.
We reserve 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.

What is the FDIC certificate number for American Express National Bank (American Express Personal Savings)?

The FDIC certificate number of American Express National Bank is 35328.


What are the SMS Terms and Conditions?

Re-authentication Key and One-Time Password SMS (Text) Terms and Conditions:
1. Re-authentication Key and One-Time Password SMS (Text) is sponsored by American Express Personal Savings.
2. Message and Data Rates May Apply and charges may appear on your wireless bill or be deducted from your prepaid balance. There is no other cost for receiving the Re-authentication Key or One-Time Password SMS (Text) message.
3. Alltel, AT&T, Boost, Dobson, Nextel, Sprint, T-Mobile®, Verizon Wireless, U.S. Cellular, Metro PCS, Cricket and Virgin Mobile are participating wireless carriers for the Re-authentication Key and One-Time Password SMS (Text) features.
4. Your request to receive your Re-authentication Key or One-Time Password by SMS (Text) will not cause you to receive promotional messages from American Express unless separately offered by us and requested and agreed to by you. By requesting that we send the Re-authentication Key or One-Time Password to you by SMS (Text), you are only agreeing to be sent your Reauthentication Key or One-Time Password SMS (Text) once.
5. To request more information or seek help, text “HELP” to 32858 or call Personal Savings anytime at 1-800-446-6307.
6. To cancel, text “STOP” to 32858. You may receive a confirmation message after you have texted STOP.
7. The American Express Privacy Statement is available at  

How can I create a shortcut for accessing my Personal Savings account through my mobile device or tablet home screen?

Creating a shortcut is easy. Just locate the type of device you use, and follow the simple steps below to add the Personal Savings website icon to your home screen. Once the icon is added to your home screen, you will be able to quickly load up and access the Personal Savings website without typing a URL.

Internet for Google Android

  1. Go to
  2. Press the “Menu” button
  3. Select “Bookmarks”
  4. Select the top left thumbnail labeled “Add”.
  5. Press and hold on the Bookmark you just created, and select “Add shortcut to Home”. This will put a shortcut icon on the current Home screen that allows one-touch access to the Personal Savings site.


Safari for Apple iOS

  1. Go to
  2. Press the  icon in the middle of the bottom toolbar.
  3. Select “Add to Home Screen” icon
  4. Select “Add” in the top right of the screen. This will put a shortcut icon on your Home screen that allows one-touch access to the Personal Savings site.


Internet Explorer for Windows Mobile

  1. Go to
  2. Press “More”
  3. Select “Pin to Start”. This will put a shortcut icon on your Home screen that allows one-touch access to the Personal Savings site.