Get started now.
Your email is required to deliver our service and communicate important account information, disclosures, updates, and offers. For more information, see our E-Communications Disclosure Privacy Statement Close
Feedback
See How Simple It Is Watch Now.

Largest FREE Cash Reload network with over 45,000 locations*

Designed for your cash on payday. Give your cash and your American Express Serve® Free Reloads Card to the cashier, and your money will be immediately added to your Account.

PLUS…

  • FREE Online Bill Pay

    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!

  • Fraud Protection

    Card lost or stolen? You’re protected against fraudulent purchases.

  • Serve Money Transfer Powered by Ria®

    Transfer cash to anyone from anywhere. Cash is ready for pickup in minutes.1

  • Mobile

    Check your balance and recent transactions, pay bills on the go, add checks, get SMS text alerts, and send money to family or friends who have a Serve Account.2

  • American Express Customer Service

    Access the American Express® Standard of Service. A live person is available 24/7.

  • FREE Early Direct Deposit

    Get all or part of your paycheck added directly to your Serve Prepaid Account. Get access to your money up to 2 days faster with Early Direct Deposit.3

Have questions?

Visit the Help Center

Get Started Now

  1. 1

    To pick up a Serve Money Transfer, your recipient must be at least 18 years of age and present a valid government-issued photo ID and pickup reference number. The Serve Money Transfer service is provided by Ria (defined below) pursuant to Ria's Terms and Conditions and Ria's Privacy Policy and the Serve User Agreement. Pickup is available in all 50 United States and Puerto Rico. The daily money transfer limit is $2,500 across all of your Serve Accounts, and a per-transaction limit of $499.99 applies to money transfers picked up in Arizona. A fee of $4.99 for each money transfer up to $50, $8.99 for each money transfer of $50.01-$1,000, and $16.99 for each money transfer of $1,000.01-$2,500 applies. Other limits and terms and conditions apply. Visit serve.com/moneytransfer for complete details.

    Serve Money Transfer orders can be picked up during Walmart store hours (typically 8:00 a.m. to 8:00 p.m. local time Monday through Saturday and 10:00 a.m. to 6:00 p.m. Sunday, but hours may vary) at any Walmart MoneyCenter or customer service desk in the State or territory you specified in your order. Your recipient may be required to provide proof of address if his or her ID does not contain their address or contains a P.O. Box.

    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, LICENSE NUMBER 18943; and authorized independently or through its affiliate, Ria Financial Services Puerto Rico, Inc. OCIF LICENSE NUMBER TM-031, to operate as a Money Transmitter in all United States' jurisdictions where it conducts business. American Express Travel Related Services Company, Inc. is not responsible for Ria's acts or omissions in its provision of Serve Money Transfer services. For pickup in AZ, NM and OK, your recipient may be required to provide additional information, including social security number/ITIN and occupation.

  2. 2

    Data rates may apply.

  3. 3

    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.

  4. 4

    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 the First Century Bank and Ingo Money 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.

  5. Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0951, Policy AX0951-PR, Policy AX0951-VI, 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, 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 $1,000 per occurrence; not to exceed $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. 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.

  6. *

    2015 Aite Group Study commissioned by American Express as compared to the top eight prepaid card companies based on share volume at the time of the study.

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.

© 2017 American Express Travel Related Services Company, Inc.  All rights reserved.