How it Works

1 Easy to Get the Card That’s Best for You

Register online to get one of our Prepaid Debit Cards in the mail for free

2 Easy to Set Up

Use Direct Deposit, add checks using your mobile phone,3 link your debit card or add money from your bank account4 and load cash at thousands of locations including CVS/pharmacy®, Dollar General®, Family Dollar®, Rite Aid®, Walmart® and participating 7-ELEVEN® locations.

3 Easy to Use

Pay bills, buy groceries, shop online, withdraw cash for free at over 24,000 MoneyPass® ATMs,2 send and receive money between family and friends with Serve Accounts, and use virtually anywhere American Express® Cards are accepted.

Compare Features & Fees of our Prepaid Debit Accounts

Are you looking for an earlier version of Serve?

See fees.

Add Money

Early Direct Deposit

Get access to your money up to 2 days faster with Direct Deposit.1

Cash Reloads

Load Cash on your Prepaid Card at over 45,000 locations including CVS/pharmacy®, Dollar General®, Family Dollar®, Rite Aid®, Walmart® and participating 7-ELEVEN® locations. Or, add cash by purchasing a Reloadit™ wherever they're sold.5

Mobile Check Capture by IngoTM Money

Cash your checks in minutes through Mobile Check Capture by IngoTM Money with the Serve Mobile app.10

Transfer Money

Add money to your Prepaid Account from a bank account4 or by linking a debit card.

Manage Your Money

FREE ATM Withdrawals

Get FREE ATM withdrawals at over 24,000 MoneyPass® ATM locations nationwide.2 You can also use non-MoneyPass® ATMs, but fees may apply.

Mobile Capabilities

With the American Express Serve Mobile app3, check your balance, recent transactions, add checks, get SMS text alerts, and send money. Download the iOS or Android app.

Reserve

Set aside money for a large purchase or rainy day with Reserve.

Pay Bills

With Serve, you can pay anyone, anytime. Use FREE Online Bill Pay or Write a Check online and we'll mail it to anyone you need to pay. It's that simple!

Subaccounts

Perfect for giving allowance or paying the babysitter. Each one comes with its own American Express Serve® Prepaid Card, great for teenagers or college students.

Send & Receive

Send and receive money between other American Express Serve Accounts for FREE.

Insights

Track and categorize your spending. Set maximum monthly budgets by spend category.

Cash Pickup Powered by Ria®

A convenient way to get your cash at Walmart®.  Pick up as much as $900 at once.9

American Express Membership Benefits

24/7 Customer Service

Access the American Express Standard of Service 24/7.

Fraud Protection

If your American Express Serve Card is lost or stolen, we protect you against fraudulent purchases.

Amex Offers

Explore a range of offers—shopping, dining and more—from places you love. It’s easy and free. See what Amex Offers you.

Membership Experiences®

Get special savings and advance tickets to some of the hottest events in sports and entertainment.6

FDIC Insurance

Money held in registered American Express Serve Accounts is eligible for FDIC pass-through insurance. Temporary Card funds are not FDIC insured. For more information, please visit serve.com/FDIC.

Purchase Protection

Shop with added confidence and Purchase Protection,† which can help protect eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase. Please read important exclusions and restrictions.

Travel Protection

Assistance is only a phone call away with our Global Assist® Hotline7 and Roadside Assistance Hotline.8

Have a Card Already?

I Purchased a Card in a Store

Register for full access to your benefits.

Register Now

Check your Temporary Card balance.

Check Balance
I Received a Serve Personalized Card in The Mail

Activate your Prepaid Debit Card. Start using it right away.

Activate Now

Login to manage your Account, budget your spending, and access the American Express® Standard of Service.

Log In

Have questions?

Visit the Help Center

Get Started Now

đź”’ Open An Account Register Your Card
If you currently have an American Express® Prepaid Card, PASS from American Express®, or American Express® Campus Edition Reloadable Prepaid Card, please refer to the back of your Card for information on reloading and servicing your Account.
  1. 1

    Faster access compared to standard payday electronic deposit and subject to your employer submitting paycheck information to the bank before payday. Your employer may not submit paycheck information early.

  2. 2

    Transactions at non-MoneyPass® ATMs have a $2.50 American Express Serve fee. ATM operator fees may also apply. See serve.com/atm for details.

  3. 3

    Data rates may apply.

  4. 4

    You can add money to your Serve Account from your checking or savings account by initiating a transfer from your bank into your Serve Account. Consult with your bank for origination fees that may apply.

  5. 5

    Reloadit™ fee of up to $3.95 applies.

  6. 6

    Offer valid in select cities. During the specified sales period, tickets are available exclusively to all American Express® Card Members (including Prepaid and International Cards). Tickets must be purchased with an American Express Card (including Prepaid and International Cards). Standard service charges apply. Offer is subject to availability. Not all seats are available and blackout dates apply. All sales final. No refunds. No exchanges. Offer may be changed or revoked at any time at the sole discretion of American Express. Some events may not be accessible to Card Members with disabilities.

  7. 7

    While Global Assist® Hotline coordination and assistance services are offered at no additional charge from American Express, Card Members are responsible for the costs charged by third-party service providers. For full Terms and Conditions, see americanexpress.com/GAterms.

  8. 8

    Roadside Assistance Hotline is a 24-hour dispatch hotline that can send a tow operator or locksmith to assist in an emergency situation. While Roadside Assistance Hotline is available at no additional charge, the Card Member will be charged for any services or goods provided. Tow operator or locksmith can provide the following services: towing, winching, jump starts, flat tire change when Card Member has a workable spare, lockout service when key is in vehicle and delivery of up to 2 gallons of fuel. Services are available when traveling within the United States, Canada, Puerto Rico and the U.S. Virgin Islands and only when Card Member is present with the eligible vehicle. This product does not cover some vehicles, e.g. rental vehicles, motorcycles, taxicabs, unlicensed vehicles, tractors and trucks over 10,000 lbs gross vehicle weight. Other important exclusions apply. We may be unable to provide you with coordination and assistance services in case of inclement weather or on roadways which restrict access to certain service providers. Lockout service may be unavailable for vehicles with transponder keys. Subject to additional important terms, conditions and exclusions. For full Terms and Conditions, call 1-800-333-AMEX or see americanexpress.com/RAterms.

  9. 9

    The Serve Cash Pickup service is provided by Ria (defined below) pursuant to Ria’s Terms and Conditions and Privacy Policy and the Serve Consumer User Agreement and is subject to all applicable laws and regulations. Service is available in all 50 United States and Puerto Rico. For tax refunds that are Direct Deposited to your Account, the daily Cash Pickup withdrawal limit will be the lesser of (I) $2,900 and (ii) the tax refund amount, until you have withdrawn the tax refund amount (Arizona and Oklahoma Accountholders are only eligibile for a $900 daily withdrawal limit). Otherwise, a $900 daily Cash Pickup withdrawal limit applies. Per-transaction limit of $499.99 applies to withdrawals picked up in Arizona. Fee of $3.49 for each withdrawal up to $500, $6.49 for each withdrawal of $500.01- $900, and $9.49 for each withdrawal of $900.01-$2,900 applies. Other limits and terms and conditions apply. Visit serve.com/cashpickup for complete details.

    Ria is a registered trademark of Continental Exchange Solutions, Inc. dba Ria Financial Services, licensed as a Money Transmitter by the Department of Financial Services of the State of New York; licensed by the Georgia Department of Banking and Finance, NMLS ID 920968; and authorized independently or through its affiliate, Ria Financial Services Puerto Rico, Inc. OCIF LICENSE NUMBER TM-2014-031, to operate as a Money Transmitter in all United States' jurisdictions where it conducts business. Neither Serve nor American Express Travel Related Services Company, Inc. is responsible for Ria’s acts or omissions in its provision of Serve Cash Pickup services.

    Serve Cash Pickup orders can be picked up during Walmart store hours (typically 8:00 a.m. to 8:00 p.m. local time, but hours may vary) at any Walmart MoneyCenter or customer service desk in the state or territory you specified in your order.

  10. 10

    The Mobile Check Capture by Ingo Money service is provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy. All checks are subject to approval for funding in Ingo Money’s sole discretion. Approval usually takes 3 to 5 minutes but can take up to one hour. Fees apply for approved Money in Minutes transactions funded to your Account. See serve.com/fees for details. Additional terms and conditions and limits are associated with your use of the Mobile Check Capture by Ingo Money service through the Serve Mobile app. See serve.com/legal for details. Data rates may apply.

  11. †

    Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0951, Policy AX0952, Policy AX0956, or Policy PP-IND. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items lost by Card Member, consumable and perishable items, motorized vehicles and their parts or accessories, and items damaged partially or entirely by natural disaster or normal wear and tear. Other important exclusions apply. You will only be reimbursed for the amount charged to your eligible Card; coverage is limited up to USD $1,000 per occurrence; not to exceed USD $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for that shipping cost. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. For full Terms and Conditions, see americanexpress.com/PPterms.

  12. **

    Earn 1% Cash Back on purchases (less returns/credits) rounded to the nearest dollar, added to your Account after you use your Card. Rounding purchases to the nearest dollar means that you won't earn a fraction of a penny in Cash Back. For example, a purchase of $0.01-$0.49 rounds to $0.00 (you don't earn Cash Back), a purchase of $0.50-$0.99 rounds to $1.00 (you earn $0.01 Cash Back), and so on. Account spend limits apply. The Serve Cash Back Card is the only prepaid Card/Account with 1% Cash Back on purchases, not limited to select merchants or select purchases. Cash Back is typically applied to your Account promptly after your purchase, but could take up to 60 days. Cash Back can be redeemed and used only for future purchases made with your Card and cannot be redeemed for cash or otherwise exchanged for value. Subaccounts are not eligible to earn Cash Back. ATM transactions, fees and Serve Online Bill Pay are not purchases and do not earn Cash Back. For full terms and restrictions, see the Cash Back User Agreement.

Currently there are no cash reload locations in the US Virgin Islands.

The American Express Serve® family of reloadable prepaid Accounts are available to U.S. residents who are over 18 years old only (or 19 in certain states) and for use virtually anywhere American Express® Cards are accepted worldwide, subject to verification. Fees apply. Other eligibility and restrictions apply. For complete details please visit serve.com/legal to view the applicable Consumer User Agreement for each Serve reloadable prepaid Account.

American Express Serve Service and Card are provided and issued by American Express Travel Related Services Company, Inc., 200 Vesey Street, New York, N.Y. 10285. American Express Travel Related Services Company, Inc. is licensed to engage in the transmission of money on behalf of the public. Click here for information about addressing complaints regarding our money services business, lists of our money services business licenses and other disclosures.

All users of our online services subject to the Privacy Statement and agree to be bound by Terms of Service. You can set preferences with AdChoices.

© 2016 American Express Travel Related Services Company, Inc.  All rights reserved.