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What is American Express Serve?

American Express Serve is a Prepaid Debit Account. We have 3 options so that you can choose the Account that’s right for you: American Express Serve®, American Express Serve® Free Reloads, or American Express Serve® Cash Back.

How do I sign up for an American Express Serve Account?

You can sign-up for American Express Serve® Account online now. Simply click Register.

Where can I buy an American Express Serve Card?

Temporary Cards are available for purchase at participating local retailers below. Once you purchase a Temporary Card, you can then register for a personalized Account online to access the full benefits and features of American Express Serve.

How do I purchase an American Express Serve Card at participating retail locations?

  1. Find the American Express Serve Card on the Prepaid Card rack at participating retailers.
  2. Bring the Card to the checkout register to purchase and add up to $500. A purchase fee of up to $3.95 applies.
  3. Spend the Available Balance at virtually any merchant in the US that accepts American Express® Cards.
  4. Register for a personalized Card at serve.com to access the full benefits of the American Express Serve Card.

What can I do with my American Express Serve Temporary Card?

  • Spend the Available Balance on your Card at virtually any merchant in the US that accepts American Express Cards, including in-store locations, online and mail-order.
  • Track the balance and transaction here.
  • Register for a personalized Card at serve.com to access the full benefits of the American Express Serve Card.

Why should I convert my Temporary American Express Serve Card to a personalized Card?

A personalized Card offers you the full features of the American Express Serve Card:

  • Add money via cash, debit card, American Express® Credit Card1, and bank account.2
  • Enroll in Direct Deposit to get access to your money up to 2 days faster with early Direct Deposit.3
  • Use your personalized Card for ATM withdrawals nationwide at ATMs that accept American Express Cards including free withdrawals at MoneyPass® ATMs.4
  • Easily pay bills online to major utility companies, phone providers, or others, like your landlord, who may only accept checks.
  • Create Subaccounts to manage expenses for family members or others
  • Get access to other American Express® Card Membership benefits and services.
  • Redeem 1% Cash Back on purchases* with the American Express Serve Cash Back Personalized Card

1 Cash advance fees for credit card loads may apply; please check with your credit card issuer for details. Reloadit™ fee of up to $3.95 applies.

2 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.

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 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.

* Added to your Account to use for future purchases.

How do I convert a Temporary Card to a personalized American Express Serve Card?

  1. Click Register.
  2. Enter your Temporary Card number and security code, complete registration, and verify your email address.
  3. Once your Account is approved, your personalized Card will arrive in the mail (on average, it takes 7-10 business days to arrive after you sign-up).
  4. Activate your personalized Card.

What happens to my Temporary American Express Serve Card after I receive a personalized American Express Serve Card?

After you receive your personalized American Express Serve Card in the mail and activate it, any remaining balance will be transferred automatically to your personalized American Express Serve Card and your Temporary Card will be deactivated. Please see our Temporary Card Cardholder Agreement, which came inside the Temporary Card starter kit you purchased in store, for more details.

Can I have more than one American Express Serve Account?

No, you can only have one American Express Serve Account from the family of American Express Serve Prepaid Debit Cards, including:

  • American Express Serve
  • American Express Serve FREE Reloads
  • American Express Serve Cash Back
  • OneVIP™ from American Express Serve
  • Jackson Hewitt Serve Card
  • Intuit Serve Card

Can I have additional American Express Reloadable Prepaid Products?

Yes, if you already have an American Express Serve Account you are still eligible to register for:

  • Bluebird by American Express Account
  • Target Prepaid REDcard by American Express Account.

How old do you have to be in order to get a Serve Card?

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.

Verify Email

What is email verification?

Email verification is a process which allows us to identify that you are the person who signed up for the Account.

Why do I need to email verify?

In order to get the full functionality of your Account you must email verify. This is an important step to help us verify your Account.

How do I verify my email address?

We will send an email verification message to the email address you provided when you signed up. You must click on the link in that email to verify your email address. If you have not received the verification email within 30 minutes after registering, please check your spam or junk mail folder or log in to your Account and click Resend Email.

Add Money

Adding Money

How do I add money to my American Express Serve® Account?

You can add money to your American Express Serve Account in many convenient ways:

  • Direct Deposit — Sign up for free Direct Deposit and get your paycheck or government benefits up to 2 days before payday.1
  • Cash — Two convenient ways to immediately add cash to your Account.
  1. Cash Loads at the Register: You can add cash directly at the register at thousands of locations. You can add as much as $500 or as little as $20. Just give your American Express Serve® Card and cash to the cashier, and your money is immediately added to your Card. Cash load fees vary by retailer and Account type. You can load cash for free with the American Express Serve® Free Reloads Account at participating retailers.
    -Or-
  2. Add cash by purchasing a Reloadit™ wherever they're sold. Third party fees apply.2
  • Checks — conveniently add checks directly to your American Express Serve Account using the American Express Serve® Mobile App3 on your iPhone® or Android device.
    Don't have the American Express Serve Mobile App? Download it for free from the App Store or Google Play.
  • Bank Transfers — Add money from a U.S. issued checking or savings account. Note: As of October 28, 2015 you will not be able to link a new bank account to your Serve Account to add money. After October 28, depending on your bank's policies and terms, you may be able to add money to your Serve Account from your checking or savings account by initiating a transfer from your bank account into your Serve Account. Consult with your bank for bank origination fees that may apply.
  • Debit/American Express® Credit Card — add money from your debit or credit card (cash advance fees may apply for credit card loads; check with your credit card issuer for details). Please note: Gift cards cannot be used to add money.

1Faster 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.

2Reloadit fee of up to $3.95 applies.

3Data rates may apply.

When I add money to my American Express Serve Account, will it be available right away?

We understand that quick access to your money is important. Your ability to access money depends on how the money was added to your American Express Serve® Card. Please see below for when your money will be available:

Direct Deposit — You can get your paycheck up to 2 days before payday.1 You can access your money as soon as the funds are electronically added to your Account. It may take up to two pay cycles after you enroll for your Direct Deposit to begin.

Cash — the money that you add with cash will be available immediately.

Checks — if submitted prior to 8PM EST on a business day, your money will generally be available six business days after submission.

Bank Transfers — If you have a linked checking or savings account, bank transfers may take up to 3-5 business days. Note: As of October 28, 2015 you will not be able to link a new bank account to your Serve Account to add money. After October 28, depending on your bank’s policies and terms, you may be able to add money to your Serve Account from your checking or savings account by initiating a transfer from your bank account into your Serve Account. For transfer timing information, please consult your bank once you have initiated the funds transfer from your bank account to your American Express Serve Account.

Debit/American Express® Credit Card — in most cases, adding money from a debit and credit card is instantaneous.

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.

Direct Deposit

What are the sources of income that can be added to my Account using Direct Deposit?

You can use Direct Deposit to add:

  • Paychecks : Add all or part of your paycheck directly to your American Express Serve ® Account.
  • Tax Refunds : Tax refunds can be added to your Account fast; instead of waiting up to 21 days or longer for a paper check to come in mail, your tax refund will be added as soon as it is processed and completed.
  • Government Benefits : Add your recurring benefits such as Social Security, Supplemental Security Income, Veterans Compensation and Pension, and many more to your Account using Direct Deposit.

If I purchased a Temporary Card, can I enroll in Direct Deposit?

If you purchased a Temporary Card and wish to enroll in Direct Deposit, please:

  • Register for a personalized Card.
  • Verify your email and activate your personalized Card.
  • Check with your employer or benefits provider to ensure that they offer this service.

How do I add my paycheck to my American Express Serve® Account?

Enroll in free Direct Deposit and get your paycheck or government benefits up to 2 days before payday.1 There are two ways you can enroll:

  1. Print your personalized Direct Deposit form and submit it to your employer:
    • Log in here to your American Express Serve Account to view your Direct Deposit Account information.
    • Select Open Form, fill out the required information, print and sign.
    • Give the form to your employer.
    OR
  1. Provide your American Express Serve Direct Deposit account information to your employer:
    • Log in here to your American Express Serve Account to view your Direct Deposit Account information.
    • Provide your Direct Deposit account number and routing number to your employer. If asked what type of account this is, select Checking.

Once you’ve submitted the information to your employer, it may take up to two pay cycles for your Direct Deposit to begin after you enroll.

1Faster 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.

How do I find my American Express Serve routing number and account number for Direct Deposit?

Log in here to your American Express Serve Account to view your Direct Deposit Account information.

How soon are funds available?

You can get your paycheck up to 2 days before payday.1 You can access your money as soon as the funds are electronically added to your Account. It may take up to two pay cycles after you enroll for your Direct Deposit to begin.

1Faster 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.

Can I have my Government Benefits added directly on to my American Express Serve Account?

Yes. To name a few, Government benefits like Social Security, Veterans Compensation and Pension, Supplemental Security Income, Civil Services Retirement, and State unemployment (varies by State) benefits can be added directly to your Account. You can enroll in 2 easy steps:

  • Log in here to your American Express Serve Account to view your Direct Deposit Account information.
  • Enter your Direct Deposit account information on to the forms provided by the respective government agencies: your Direct Deposit account number and routing number (sometimes referred to as the ABA routing number). If asked what type of account this is, select Checking.

Once you’ve submitted the form to your benefits provider, you should start receiving your payments within 1-2 pay periods.


Help with Tax Refunds can be found here.

Cash

How do I add cash to my Account?

Cash Loads at the Register: You can add cash directly at the register at thousands of locations including CVS/pharmacy® and Dollar General®, Family Dollar®, Rite Aid®, Walmart® and participating 7-ELEVEN® locations.

You can add as much as $500 or as little as $20. Just give your American Express Serve® Card and cash to the cashier, and your money is immediately added to your Card. Cash load fees vary by retailer and Account type. You can load cash for free with the American Express Serve® Free Reloads Account at participating retailers.

-Or-

Add cash by purchasing a Reloadit™ wherever it's sold. Third party fees apply.1

1 Reloadit fee of up to $3.95 applies.

When I add cash to my American Express Serve® Account, will it be available right away?

The cash that you add will be available immediately.

Mobile Check Capture

Who can use the Mobile Check Capture by Ingo™ Money feature?

You must be a Master Accountholder to use this feature. Sub-account users cannot add funds with Mobile Check Capture at this time.

What is the Mobile Check Capture feature?

You can add checks directly to your American Express Serve Account using the Mobile Check Capture feature in the American Express Serve® Mobile app1 on your iPhone® or Android device. Fees and limits apply. 

Mobile Check Capture transactions are conducted by Ingo Money in accordance with the First Century Bank, N.A. and Ingo Money, Inc. Terms and Conditions and the First Century Bank, N.A. and Ingo Money, Inc. Privacy Policy, and are subject to the Serve Member Agreement.

Don’t have the Serve Mobile app? Download it for free from the App Store or Google Play.

1 Data rates may apply.

How do I add checks with Mobile Check Capture?

Please follow these steps to add a check to your American Express Serve Account:

  1. Open and log into the Serve App on either iOS or Android
    1. Please note: to use the Mobile Check Capture feature you must be using either iOS 7 or Android 4.0 or a more recent version of either operating system.
  2. In the Serve Mobile app, under Add Money, select “Add from a Check”.
    1. If this is your first time using this feature you will need to accept the First Century Bank, N.A. and Ingo Money, Inc. Terms and Conditions and the First Century Bank, N.A. and Ingo Money, Inc. Privacy Policy.
  3. Sign the back of your check.
  4. Tap the first check image labeled “Front” and position your mobile device’s camera at a slight angle. Then tap the screen to take a photo. After that you will be presented with a preview image to accept, or retake the photo.
  5. Turn the check over and tap the second check image labeled “Back”. Position your mobile device camera at a slight angle, and tap the screen to take a photo. After that you will be presented with a preview image to accept, or retake the photo.
  6. Enter the amount of the check and follow the screen prompts to choose when you want your money:
    1. Money in Minutes1 – funds can be available within minutes for a fee
    2. Money in Days2 – funds can be available in 10 days with no fee, if the check is not returned unpaid within the 10 day period.
  7. Confirm the net amount (after applicable fees) to be added to your Account.
  8. If you selected Money in Minutes and your check is approved, you will then be prompted to write “VOID” on the front of your check and submit an additional picture. Do not write “VOID” until you are prompted in the app.

1 1% fee on payroll or government checks with preprinted signatures or 5% fee on other checks; $5 minimum fee applies; Minimum $10 deposit. See serve.com/fees for more detail.
2 If your check is returned unpaid within the 10 day period, your Account will not be funded.

How do I take a good image of my check?

Checks images can be rejected due to a poor image capture. When taking images of your check please ensure the following:

  • The check is on a solid-colored background, front-side up
  • Ensure none of the check information is covered up and that the room is brightly lit
  • Ensure there are no shadows on the check
  • Be sure the check fits just inside the guidelines
  • The check is not wrinkled in any way

When will my check funds added by Mobile Check Capture be available?

If you choose Money in Minutes your money is generally available with 3-5 minutes after review and approval of your check, but can take up to one hour.

If you choose Money in Days, your money will be available 10 days from the time you submit your check, provided your check is approved and it is not returned unpaid within the 10-day period.

What are the fees associated with adding a check by Mobile Check Capture?

If you chose Money in Days, no fee is charged.

If you chose Money in Minutes, you will be charged a fee of either 1% or 5% of the check amount (minimum fee $5), depending on the check type, as follows:

Money in Minutes Fee Chart
(Fee deducted from the total check amount)

Fee Amount

Check Type

1% fee ($5 minimum)

  • Payroll checks with a pre-printed signature
  • Government-issued checks with a pre-printed signature such as tax refunds and social security payments

5% fee ($5 minimum)

All other accepted check types including:

  • Personal checks
  • Business checks
  • Payroll checks with a hand written signature
  • Insurance checks
  • Attorney’s checks
  • Cashier’s checks
  • Money orders
  • Rebate checks
  • American Express Travelers Cheques
  • Refund anticipation checks
 

What is the minimum check amount I can add with Mobile Check Capture?

The minimum check amount is currently $10.

What is the maximum check amount I can add with Mobile Check Capture?

The maximum amount of funds that can be added with Mobile Check Capture is $2,500 per check and $5,000 per day, subject to your overall monthly Add Funds limit of $10,000.

What types of checks are eligible for adding money with Mobile Check Capture?

All checks must be made out to you, endorsed by you and drawn on a bank account in the United States or a U.S. territory.

Eligible checks include, but are not limited to:

  • Payroll and government checks with a pre-printed signature (Example: Tax Refund)
  • Business checks
  • Payroll checks with a handwritten signature
  • Personal checks
  • Insurance checks (settlement checks)
  • Attorney checks (settlement checks)
  • American Express Travelers Cheques
  • Cashier’s checks
  • Money orders
  • Rebate and refund anticipation checks

Please note that the following check types are generally not accepted:

  • Checks you write to yourself
  • Conditional endorsement checks
  • Counter and starter checks
  • Credit card checks
  • Customer appreciation certificates
  • Gift certificates
  • Checks that are post-dated
  • Warrants
  • Travelers checks not issued by American Express
  • Checks that aren’t made out to you

Why is the app requesting I take a picture of my government-issued ID?

You may be required to validate your identity by taking a photo of the front and back of your ID and a photo of yourself.

Why is my personal information required to use Mobile Check Capture? What information is shared?

In order to use Mobile Check Capture, Ingo Money Inc. and First Century Bank, N.A. requires your personal information to provide you access to their services, for example, to identify you, to process transactions, and to provide and improve their services to you.

American Express will share your personal information, including SSN, and date of birth, and information regarding your Serve Account with Ingo Money Inc. and First Century Bank, N.A. to help service your Mobile Check Capture request.

For more information, please refer to First Century Bank’s and Ingo Money’s Privacy Policy.

When should I write “VOID” on my check?

Write “VOID” on your check only when you are prompted in the app.  You will be prompted if you selected Money in Minutes and your check has been approved.

How should I write “VOID” on my check?

“VOID” should be written boldly in blue or black ink across the front of your check.

Why was my check declined?

All checks submitted by Mobile Check Capture are subject to Ingo Money’s review for approval. Ingo Money may be unable to approve a check and cannot always tell you exactly why a check is declined; however, below are some examples of reasons a check may be declined:

  • Check was not written to you, as your name appears on your Serve Account.
  • Check was not endorsed.
  • Amount of the check is less than $10 or more than $2,500.
  • Amount of the check will cause you to exceed the applicable limits.
  • Check images are illegible.
  • Check is not an acceptable check type .
  • A properly voided image of the check was not received. If you have issues with submitting your voided check image, call Ingo Money at (229) 276-3887.
  • Check was written from a closed or compromised account.

If your check is declined, you will be notified in the app and by email. Your account will not be funded, and no fee will be assessed.

How do I contact Ingo Money if I have questions about Mobile Check Capture transactions?

You can reach out to Ingo Money directly using the following link, or at (229) 276-3887.

Bank Transfer

How do I add money to my American Express Serve® Account from a bank account?

If you linked your bank account prior to October 28, 2015, you may add money to your Account from that bank account. Note: As of October 28, 2015 you will not be able to link a new bank account to your Serve Account to add money. After October 28, depending on your bank’s policies and terms, you may be able to add money to your Serve Account from your checking or savings account by initiating a transfer from your bank account into your Serve Account. Consult with your bank for bank origination fees that may apply.

How do I verify a bank account and how long does it take?

With the Standard Verification Process, we will make two small trial deposits to your bank account. It takes 2–3 business days for those trial deposits to appear in your bank account. The next time you log in to your American Express Serve Account, you'll be asked to enter the exact amounts of those trial deposits. Once the bank verification process has been completed, you can add money to your American Express Serve Account via a bank transfer. Depending on your bank’s policies and terms, you may be able to add money to your Serve Account from your linked checking or savings account by initiating a transfer from your bank account into your Serve Account.

Note: You will not be able to link a new bank account to your Serve Account to add money.

How long does it take for money to be added to my Account?

If you linked your bank account prior to October 28, 2015, you may add money to your Account from that bank account. The money added from your linked checking or savings account will generally be available within five business days after the request has been made.  Recurring money transfers from your bank account will also generally be available within 2-3 business days after the scheduled transfer date. Note: As of October 28, 2015 you will not be able to link a new bank account to your Serve Account to add money. After October 28, depending on your bank’s policies and terms, you may be able to add money to your Serve Account from your checking or savings account by initiating a transfer from your bank account into your Serve Account. For transfer timing information, please consult your bank once you have initiated the funds transfer from your bank account to your American Express Serve Account.

How many bank accounts can I link to my American Express Serve Account?

You may link one bank account to your American Express Serve Account.

Debit Card and American Express® Credit Card

How do I link a debit or American Express® Credit Card to my American Express Serve Account?

You can link a card in two easy steps:

  1. Log in here to your American Express Serve Account.
  2. Click Link Debit Card or American Express® Credit Card and fill out the required information. You will need to provide your card information and verify your billing address.

Note: Starting April 16, 2015 you will only be able to use an American Express® Card if you want to load your account with a credit card. Discover, MasterCard and Visa credit cards will no longer be supported after April 16.

Please note, you may only link a card that is in your name. The billing address associated with your card must match the billing address on your American Express Serve Account profile.

How long does it take to link a American Express® Credit Card or debit card?

After card has been verified, linking them to your American Express Serve® Account is instantaneous.

How do I add money from my linked Debit Card or American Express® Credit Card?

It’s easy and convenient to add money from your linked Card.1 Please follow the steps outlined below:

  • Log in to your Serve Account and select Add Money located at the top right hand corner of the main page.
  • Tell us how much you want to add, select your Card and click Review.
  • Review your transaction and click Submit.

You will receive an email confirmation once the money has been transferred successfully to your American Express Serve Account.

1Cash advance fees may apply for credit card loads; check with your credit card issuer for details.

Which debit and credit cards can I link to my Account? (American Express, Discover, MasterCard, or Visa)

For credit cards – You can link an American Express® Card to your Account.

For debit cards – You can link a debit card that is Visa or MasterCard branded.

Add Money Through Auto Add

How do I setup one-time or recurring transactions to add money to my Account?

  1. Log in to your American Express Serve Account and click Settings on the right hand corner of the main page.
  2. Select Add Money Settings under Funding & Transfers.
  3. Select Set Up Scheduled Add, fill out the required information and hit Submit.

Please note cash advances fees for credit card loads may apply; please check with your credit card issuer for details.

Manage Account

Subaccounts

What is a Subaccount?

A Subaccount is an Account that you establish under your American Express Serve® Account for another person age 13 or older. This Account is linked to, funded, and controlled by the Master American Express Serve Accountholder. Subaccounts are a convenient and flexible way that you can give family and friends access to money, while seeing transaction activity and setting limits. Seamlessly pay your child's allowance, send money to your children at college, make funds available to the handyman for home repairs, etc.

What can or can't Subaccount Users do?

Subaccount Users can:

  • Use their Cards at virtually any merchant that accepts American Express® Cards in the U.S.
  • Withdraw cash at ATMs nationwide (only if allowed by the Master Accountholder).1
  • Send money to and request money from a Master Accountholder.

Subaccounts Users cannot:

  • Add money to their Account.
  • Use their Card internationally.
  • Use the Serve Bill Pay feature.
  • Create their own Subaccounts.
  • Send money to or receive money from other Subaccounts.

1  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.

How do I create a Subaccount?

If you're creating a Subaccount for the first time, please follow the steps below:

  • Log in to your American Express Serve Account.
  • Click on Plan & Manage at the top of the main page and then select Subaccounts from the drop down menu.
  • Scroll down and click Create A Subaccount. Please provide the required information. You will need the name and email address of the Subaccount user to create the Account.

If you have created a Subaccount before then simply follow the first 2 steps stated above. Once you are on the Subaccounts page, click Add Subaccount, fill out the form and select Create.

Who can I create a Subaccount for?

You can create a Subaccount for anyone age 13 or older that you give money to on a regular basis. You can create a Subaccount for your child, babysitter, handyman, or for anybody you choose.

Can I create more than one Subaccount?

Yes. You can create up to four Subaccounts on your American Express Serve Account.

How do I cancel a Subaccount?

First, log in to your American Express Serve Account. Click Plan & Manage at the top of the main page and then select Subaccounts from the drop down menu. Select Settings under each Subaccount and click Close Subaccount.

Update Your Personal Information

How do I reset my password, or change my American Express Serve® Account profile information such as address, phone number, user ID, PIN, etc.?

To update any of your profile information including your address, email address, phone number, password, PIN and security answer, log in to your American Express Serve Account and select Profile at the top right hand corner of the main page.

How do I opt out from receiving marketing emails from American Express Serve?

Log in to your American Express Serve Account and click Profile at the top right hand corner of the main page. Select Privacy Preferences under Communication Preferences. There, you can simply uncheck the box to unsubscribe from all marketing emails. Please remember to click Save Changes before you leave the page. You can also click on the unsubscribe link at the bottom of your email offer. Your changes will not impact any account-related servicing communications.

How do I reset my security question?

  1. Login to your Serve account
  2. Go to Settings
  3. Then under Profile, find "Security Question" and select "Change Question/Answer"
  4. From here you will have to answer your current question and then be able to create a new one

Report a Lost or Stolen Card

What should I do if my Card is lost, stolen, damaged, or needs to be replaced?

Call us immediately at 1-800-954-0559. We will cancel your existing Card and issue you a replacement Card at no charge with a value equal to the Available Balance on your Card at the time you notified us. If you have not yet registered for an Account or verified your email address, no refunds will be provided for amounts debited from your lost or stolen Card before you have notified us. Once you have registered for an Account and verified your email address, you will not be held responsible for any fraudulent charges made using the Card.

If you have a funding source linked to your Account, you should immediately contact your bank or employer directly and open a dispute claim on any unauthorized withdrawals.

Insights

What is Insights?

Insights is a set of tools to help you better track spending, create budgets, set spending alerts and track financial goals.

How are transactions categorized?

Most of your transactions are automatically sorted into the following default categories: bills, fun, food, transportation and shopping. Non-merchant transactions such as ATM cash withdrawals are sorted into "uncategorized" by default. You can categorize non-merchant transactions into a default category or add a custom category that best fits your needs by going to View Transactions and clicking on Categorize Now.

Can I re-categorize a transaction?

Yes! If you want to change a transaction's category, please go to View Transactions, select the transaction and click Edit. You can choose to have all transactions from the same merchant sorted into the new category.

What is Spending by Category?

Spending by Category is an easy-to-read chart to help you understand where your money is going. You will be able to see how much you spent in each category this month and what percentage of your total monthly spending each category represents.

What is Track Spending?

Take charge of your spending by understanding where your money goes from month to month. Track your purchases, the bills you've paid, money you’ve sent to friends or family, and even cash withdrawals. Set a monthly maximum spending amount to help you stay on budget by going to Insights under Plan & Manage and clicking on Settings within the Track Spending tab (Note: Reaching your monthly maximum spending amount in any category will not impact your ability to use your Serve Account as much as you'd like.)

What is Spending History?

Spending History provides a bigger picture of your spending. Here you can see your 13 month spending history. Especially for seasonal spending like back to school, or holidays, you will be able to compare how you are doing to last year.

Can I manage all my categories on one page?

You can manage categories at a glance through Settings. Go to Settings, and click on Manage Category under Statements & Transactions.

In this view, you can:

  1. see your six month spending history by category
  2. set your monthly maximum spending targets. To help you decide what a good monthly maximum target would be, we have calculated the six month average for your reference

Reserve

What is Reserve?

Reserve is an easy way to set aside money for a large purchase or vacation. Move money into your Reserve as often as you wish, and when you’re ready to spend it, just transfer it back into your American Express Serve® Account.

How do I create Reserve?

It’s easy to create Reserve.

  1. Log in to your American Express Serve Account. Click Plan & Manage and then select Reserve from the drop down menu.
  2. Click on Create a Reserve.
  3. Enter a name for your Reserve (e.g. “My vacation”).
  4. Enter the amount you want to transfer from your Available Balance in your Master Account.
  5. Select a one-time transfer or schedule a recurring transfer.

If you select a recurring transfer, please take note of the amount and date of the recurring transfer and ensure that you have enough money in your Master Account Available Balance to cover the transfer when it occurs. There are no fees for a declined transaction, but if there is not enough money in your Account, the transfer will not be processed.

How do I add money to Reserve?

Funds can only be added to your Reserve by transferring money from your Available Balance in your Master Account. Funds will be available in your Reserve almost instantly. There is no limit on the number of times you can transfer funds from the American Express Serve Master Account into your Reserve.

How do I spend money in Reserve?

To spend the money in your Reserve, transfer money from your Reserve back to your American Express Serve Master Account. The funds will be available almost instantly to make purchases, pay rent or for a rainy day. There is no limit on the number of times you can transfer funds from your Reserve to your Master Account.

Can I edit my scheduled recurring transfer?

Yes. You can edit the amount and the frequency of an existing recurring transfer. Log in to your American Express Serve Account, click on Plan & Manage then Select Reserve from the drop down menu. Click Edit Settings and edit the appropriate information. Before submitting, please take note of the new amount and start date of the recurring transfer. You may also use this functionality to pause or delete your scheduled recurring transfers.

How does the pause functionality work?

Pausing a scheduled recurring transfer temporarily stops your transfers. To continue your scheduled recurring transfer, click Resume.

Account Closure

How do I close (cancel) my Account?

You can close your Account, which will cancel your Card online by logging into your Account and following the directions below. Please note in order to close your Account your balance, and all Subaccount balances must be $0. Also, all associated Subaccounts will be closed when you close your Account.

The fastest way to withdraw the balance of your Account is by ATM. You have access to FREE ATM withdrawals1 at over 24,000 ATMs in the MoneyPass® ATM network in the US.

Steps to close your Account online:

  1. In order to close your account your balance, and all subaccount balances must be $0
  2. Log into your Account at https://secure.serve.com/Login
  3. Once logged in, go to "Settings"
  4. Then to the "Profile" tab
  5. Then scroll down and click on "Close Account"
  6. Finally click "Close Account"

If you need additional support, please call Customer Service at 1-800-954-0559.

1 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.

Balance and Transactions

How do I check my balance on my Temporary Card?

You can check your balance on your Temporary Card balance any time here. If you decide to register for a personalized Card, we’ll move your remaining balance to your personalized Account.

How do I view my transaction history and Account balance?

To view your balance or transaction history, log in to your American Express Serve Account. You can view your recent transaction history and Account balance on your homepage after you’ve logged in. Select View Transactions at the top of the main page to view your detailed transaction history.

Checking your balance information on the go? You can also view your balance on the American Express Serve® Mobile App1 login screen. To set up the Quick Balance feature, login to your Account on the Mobile App and go to Settings > Quick Balance and toggle the switch on. The next time you are on the American Express Serve® Mobile App login screen, swipe the dollar sign on the bottom of the screen to the right and you will see your current balance information. Don't have the American Express Serve Mobile App? Download it for free from the App Store or Google Play.

1 Data rates may apply.

How do I view my previous Account statements?

First, log in to your American Express Serve Account. Click Settings at the top right hand corner of the main page and then select statements. You will find each monthly statement for the last 24 months.

For statements prior to the most recent 24 months, please contact customer service at 1-800-954-0559.

Set up Alerts & Text Notifications

How do I set up Balance Alerts?

You can set up alerts on your Account so you can receive emails when your available balance drops below a specified amount or receive a regularly scheduled email with your available balance status.

To Set Up Low Balance Alerts:

  1. Log in to your Account online, click on Settings on the top right hand corner and select Balance Alerts under Communication Preferences.
  2. Click Enable Low Balance Alerts, and enter your specified amount
  3. Click Submit

To Set Scheduled Balance Alerts:

  1. Log in to your Account online, click on Settings on the top right hand corner and select Balance Alerts under Communication Preferences.
  2. Click Schedule Alerts and select your preferences
  3. Click Submit

How do I set up email or text alerts for my American Express Serve Account?

You can set up alerts on your Account and receive an email or text when your available balance drops below a specified amount or you can receive a regularly scheduled balance status. Additionally, you can receive text alerts1 when your Account receives funds electronically.

To set up alerts follow the steps below:

  1. Log in to your Account online.
  2. Click on Settings in the top right hand corner (for desktop), or (for mobile) click on the menu icon in the upper right hand corner of the page, and then select Settings from the menu.
  3. In Settings select the Notifications tab (for desktop) or Notifications drop down (for mobile).
  4. From here you can check the boxes for the notifications that you would like to receive.
  5. To receive text notifications you will need to follow the additional steps below:
    1. In the Notifications page you will need to verify the phone number on file is your mobile number, and if it is not, then click “No” and enter your mobile phone number.
    2. Once we have your proper mobile phone number, you will need to select “Submit” and then you will click “Enable” to verify your mobile phone number.
    3. A verification message and six digit code will be sent to your mobile phone. Please follow the directions provided from there.

1American Express does not charge a fee for text alerts. Your wireless communications provider may charge for text messages that are sent or received. Check with your wireless communications provider for possible charges related to text alerts.

How do I receive on demand Account updates via text for my American Express Serve Account?

Text commands1 are an easy way to stay informed about your American Express Serve Account using your mobile phone. You can view your balance, transaction history and more. To set up text commands, follow the steps below:

  1. Click on Settings in the top right hand corner (for desktop), or (for mobile), click on the menu icon in the upper right hand corner of the page, and then select Settings from the menu.
  2. In Settings select the Notifications tab (for desktop) or Notifications drop down (for mobile).
  3. In the Notifications page you will need to verify the phone number on file is your mobile number, and if it is not, then click “No” and enter your mobile phone number.
  4. Once we have your proper mobile phone number, you will need to select “Submit” and then you will click “Enable” to verify your mobile phone number.
  5. A verification message and six digit code will be sent to your mobile phone. Please follow the directions provided from there.
  6. Once you have opted in, text the following key words to 73783:
    • APP — Sends a link to download mobile app
    • BAL or BALANCE  — to get your current balance
    • HIST or HISTORY— Sends the last 5 transactions within the last 30 days
    • HELP — for help with text notifications
    • RESERVE — to get your Reserve balance
    • SETASIDE — Sends Reserve balance

1American Express does not charge a fee for text commands. Your wireless communications provider may charge for text messages that are sent or received. Check with your wireless communications provider for possible charges related to text commands.

Transaction Dispute

If I am concerned about fraud, how do I dispute a transaction on my Account?

If you feel that an unauthorized transfer was made to or from your American Express Serve® Account, or there is an error on your monthly statement or transaction receipt, or you need more information about a transaction listed on your monthly statement or transaction receipt (each circumstance, a "Dispute"), you may contact us at 1-800-954-0559, 24 hours a day, 7 days a week. You may also write to us at

American Express - Customer Relations
4315 S. 2700 W
Salt Lake City, UT 84184-0440

You must include the following when notifying us of a Dispute:

  • Your name and American Express Serve Account number.
  • Description of the transfer or transaction you are unsure about, and explanation of why you believe it is in error or why you need more information.
  • The dollar amount and, to the extent possible, date, of the suspected error.

If you choose to call Customer Service and tell us of the Dispute orally, we may require that you send us your Dispute in writing within 10 business days.

How long will it take to resolve?

If we receive a Dispute (including the required information referenced above) within 60 days after we sent the first statement on which the Disputed transfer or transaction appears (or within 60 days after we send you the information you requested), we will investigate and determine whether an error occurred within 10 business days after we receive the Dispute, and will correct any errors within (1) business day of our determination that an error occurred.

If we need more time, however, we may take up to 45 days to investigate your Dispute.

If we decide more time is needed, we will provisionally credit your Account within 10 business days of our receipt of your Dispute for the amount you believe is an error, so that you will have use of this money during the time it takes to complete our investigation.

If we ask you to send us your Dispute in writing, and we do not receive it within 10 business days, we may not provisionally credit your Account. For errors involving new Accounts, point-of-sale, or transactions initiated outside of the U.S., we may take up to 90 days to investigate your complaint or question. For new Accounts, we may take up to 20 business days to provisionally credit your Account for the amount you believe is an error.

We will notify you of the results of our investigation within 3 business days after its completion and will correct any error within (1) business day of our determination that an error occurred. If we decide there was no error, we will send you a written explanation and will debit any related provisionally-credited amounts in accordance with applicable law. You may ask for copies of documents that we used in our investigation.

What constitutes an error?

An error occurs when a transfer or transaction on your Account is

  • Not authorized by you
  • Incorrectly posted to your Account
  • Not properly reflected on your monthly statement
  • A computational error (e.g. Transaction was for $32 but posted for $23)
  • You did not receive the correct amount of funds (e.g., you requested $50 from an ATM but only received $40)
  • You request documentation or additional information about a transaction

All other types of Disputes (e.g. goods not delivered, or goods or services not as promised or damaged) are not considered errors.

What if I have a problem with a transaction that does not constitute an error?

From time to time problems may arise with a product or service you purchase such as

  • A product was not delivered or service was not rendered, or
  • The product or service is different than expected, or
  • Product is defective, or
  • A product was returned and you have not received a response from the merchant or credit to your account

Under the terms of our Agreement, you are required to work directly with the merchant to resolve such claims and we are not responsible for and do not have any liability for any goods or services purchased where the problem does not constitute an error. However, if you have been unable to resolve the issue with the merchant, we will provide a limited service whereby we will attempt to work with the merchant on your behalf in an effort to resolve the problem. We will advise you of the results of our effort; however, we will not provisionally credit your Account during the time we are working with the merchant. If it is determined that a correction is due to your Account, we will Process a correction to your Account.

Tax

Planning for Tax Season

Can I have my federal tax refund added to my American Express Serve Account?

Yes! With Direct Deposit, get access to your federal tax refund up to 2 days faster than a standard electronic deposit from the IRS*. Your tax refund will be added to your Account as soon as your return is processed and completed by the IRS. To check the status of your refund, please visit the IRS Where's My Refund? tool, IRS2Go App, or by calling the IRS at 800-829-1954.

If your state allows, you can Direct Deposit your state tax refund to your American Express Serve Account. Please consult your state for instructions.

*Faster access subject to IRS submitting refund information to the bank before release date. IRS may not submit refund information early.

Why should I have my tax refund added to an American Express Serve Account?

Because you can get your tax refund fast! With Early Direct Deposit, you won't have to wait to receive a check in the mail. And you'll get to keep your full refund - no need to pay to have your refund check cashed, it is free to receive your tax refund on Serve. Once you have received your refund, there are many great ways you can use your refund. Check Use Your Card to see how.

What should I do before filing my taxes on a Serve Account?

When can I expect to receive my tax refund?

There are two ways that you can file your taxes, either electronically (e-file) or by mailing a paper return. According to the IRS, most refunds are issued in less than 21 calendar days. If you choose to have your refund Direct Deposited onto a Serve Account, you could receive your refund up to 2 days faster than standard electronic deposit from the IRS*. The IRS provides the most up to date information on the status of your refund. Use the IRS Where's My Refund? tool, IRS2Go App or call the IRS Hotline at 800-829-1954 to check your refund status - American Express does not have information on the status of your refund until it has posted to your Account. It will take 24-48 hours for your funds to be available on Serve after your refund has been released by the IRS.

  • If you have e-filed your tax return, you can start to check your status within 24 hours after the e-filed return has been received
  • If you have printed and mailed your tax return, you can start to check your status 4 weeks after you mail your paper return.

*Faster access subject to IRS submitting refund information to the bank before release date. IRS may not submit refund information early.

Where can I go for additional information about planning for Tax Season?

Please consult the IRS Frequently Asked Questions for any other inquires specific to your Tax Refund.

Please visit our Tax Resource Center, or if you are a customer our Tax Command Center for more information.

Filing Your Taxes

How do I fill out my tax forms to have my refund Direct Deposited to my Serve Account?

In order to successfully add your tax refund to your Serve Account, please make sure to follow these steps:

  1. The primary name and Social Security Number on your tax return matches the name on your Serve card exactly.
  2. In the refund Section:

    a. Fill in your Serve Routing number (this will be the same for all customers): 124071889
    b. Fill in your 16-Digit Serve Account number (this is unique to your Account)
    c. Select "Checking" as the type of Account

How do I find my Account and Routing information?

Log in to your American Express Serve Account to view your Direct Deposit Routing and Account numbers. This information will only be available if you have activated your Personalized Card that you received in the mail.

Can I get my tax refund added to my Account if I am filing jointly?

Yes. However, in order to avoid a delay in receiving your funds, the primary name on the account must match the name and social security number that we have on file. If you are listed as the primary name on the account, you cannot be listed as "spouse" on your tax return. If this is not filled out correctly, your refund could be rejected, resulting in a potential delay in receiving your funds from the IRS.

How many refunds can I receive on my Account?

There is a limit of two tax refunds per calendar year per Account. You could receive both a federal and state refund on your account for a total of two refunds.

Can I receive tax refunds for other people on my Account?

No. In accordance with IRS guidelines, you cannot Direct Deposit someone else's refund to your Account. In this case, the deposit of the tax refund will be rejected.

If you have a Subaccount that is used by another person, you cannot receive a tax refund for that person on your Serve account.

Where can I go for additional information about filing my taxes?

Please consult the IRS Frequently Asked Questions for any other inquires specific to your Tax Refund.

Staying Informed After You File

How do I check the status of my refund?

You can check that status of your refund on the IRS Where's My Refund? tool, IRS2Go App, or by calling the IRS Hotline at 800-829-1954. The IRS information is updated every 24 hours. American Express Customer Service does not have information on the status of your refund until it has posted to your Account. According to the IRS, most refunds are issued in less than 21 calendar days. It will take 24-48 hours for your funds to be available on Serve after your refund has been released by the IRS. You will receive an email from Serve once the refund has posted to your Account. If you want to check on the status of a state refund, please contact your state directly.

How can I use my tax refund?

  • Use your Card for purchases

Once your refund is added to your Account you can use the money to make purchases with your card in store and online at millions of merchants that accept American Express® Cards worldwide.

  • Paying bills

You can pay bills using your card directly at a retailer or service provider like a utility, or by using Online Bill Pay.

How much of my refund can I withdraw at once?

  • Withdraw from ATMs

You can withdraw your tax refund at over 24,000 Free MoneyPass® ATMs, or from other ATMs nationwide for a fee. If you are expecting a tax refund larger than $750, then you will need to withdraw your refund over multiple days due to daily ATM withdrawal limits. The full schedule of applicable American Express Serve Account limits can be found here. If you have issues with your ATM PIN or forgot your PIN, please login to Reset your PIN.

Use Your Card

Make Purchases

How do I make in-store purchases?

You can use your Card virtually anywhere American Express® Cards are accepted. If a merchant asks you to choose between “credit” and “debit,” select “credit.” No PIN is required for in-store purchases.

How do I make online, mail-order, or phone purchases?

You can use your Card for online, mail-order, or phone purchases with merchants that accept American Express Cards. Be sure to have your 15-digit Card number, the “valid thru” date, and the 4-digit security code on the front of the Card.

Are there overdraft fees with my Serve Account?

Because you can't overdraft your American Express Serve® Account, there are no overdraft fees. Additionally, you can add a backup funding source to ensure your transactions will not be declined due to lack of funds in your Account.

Withdraw Cash at ATMs

Which ATMs can I withdraw money from?

You may withdraw money from any ATM that accepts American Express® Cards in the U.S.

Are there any fees, limits or restrictions for ATM withdrawals?

FREE ATM withdrawals at over 24,000 ATMs in the MoneyPass® ATM network in the US. Transactions at non-MoneyPass® ATMs have an up to $2.50 American Express Serve fee. ATM operator fees may also apply.

The complete schedule of the American Express Serve Account limits can be found here. Please see our Consumer User Agreement at serve.com/legal for more details.

Where can I find a MoneyPass ATM?

MoneyPass ATM locations can be found at http://www.moneypass.com/atm-locator.aspx.

Note: MoneyPass Network ATMs are not available in all areas, including the US Virgin Islands.

Cash Pickup Powered by Ria®

What is Cash Pickup Powered by Ria®?

Cash Pickup Powered by Ria allows you to withdraw cash from your Serve Account for pickup at any Walmart store located in the US or Puerto Rico. Fees and limits apply. Serve Cash Pickup transactions are conducted by Ria in accordance with their Terms of Service and Privacy Policy, and are subject to the Serve User Agreement. Learn more about Ria.

Who is Ria?

Ria is a global leader in money remittances, specializing in both domestic and international money transfers (note: Serve Cash Pickup withdrawals are domestic only). "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.

How do I get access to the Cash Pickup Powered by Ria service?

In order to use the Cash Pickup service, you must be a registered Serve Account holder, have completed email verification and have activated your Permanent Card. Please note, only Account holders can access the Cash Pickup service; Subaccount holders do not have access.

How do I submit a Cash Pickup withdrawal request?

To initiate a withdrawal, follow the below steps:
- Log In to your American Express Serve Account online, select Withdraw Funds, click on Serve Cash Pickup Powered by Ria and follow the steps provided.
- Or you can log in with the Serve Mobile app1, select Cash Pickup, click on Make a Withdrawal and follow the steps provided.

Please note: you will need to do the following to submit your Cash Pickup withdrawal request:

  • Provide your Serve ATM PIN
  • Provide the Serve Card Security Code found on the back of your Serve Card
  • Confirm the name and address on file with your Serve Account is accurate. Note: you can always update your address in your Serve profile. If you need to update your name, please contact us at 1-855-431-6040.

Once you submit your withdrawal request, the amount of your withdrawal and the associated fee will be deducted from your Available Balance and your money will be ready for pickup in as little as 5 minutes.* Please refer to the next question for details on how to pick up your money.

* Daily limits apply.

1 Data rates may apply.

How do I pick up my money at Walmart?

  • Go to any Walmart store in the state or territory you selected in your withdrawal request
  • Provide the following to the Walmart store associate:  
    1. Your government-issued photo ID*.
    2. The pickup reference number. You can locate this number in any of the following ways:
      1. The withdrawal confirmation page at the time you submitted your withdrawal request
      2. The confirmation email sent to the email address associated with your Serve Account
      3. In your Transaction History online or in the Mobile app” to end of sentence

*You will be required to provide proof of address if your ID does not contain your address (e.g. a passport) or contains a P.O. Box. Scroll down to see list of permissible IDs.

How long do I have to pick up my money at Walmart?

You have 21 days from the date you submit your withdrawal request to pick up your money. After 21 days, the request will be cancelled and the Withdrawal and Fee Amounts will be returned to your Serve Account.

What is an acceptable government-issued photo ID to present at Walmart?

The ID presented to pick up your money at Walmart must:

  • Not be expired
  • Contain your photo
  • Be a permissible ID type (see below)

The following are the permissible types of ID:

  • State-issued Driver’s License
  • State-issued ID Card
  • US Military ID Card
  • US Passport or Foreign Passport
  • Alien Resident Card
  • Matricula Consular
  • Border Crossing Card
  • Temporary Resident Card
  • Employment Authorization Card
  • Naturalization and Immigration Services ID Card
  • Crewman’s Landing Permit (Form 195A) with photo
  • Tribal ID (TI)

If your ID does not contain your address (e.g. a passport) or contains a P.O. Box, you will be required to provide proof of address. The following are permissible proof of address documents:

  • Paystub
  • Bank statement
  • Property or Municipal tax receipt
  • Automobile Insurance
  • Voter’s Identification
  • Internal Revenue Service documents (W-2, Form 1099, ITIN)
  • Rental/Lease
  • Bills (utility, cellular/telephone, mortgage, credit card, auto loan)
  • Printed Personal Check

What fees apply to Cash Pickup withdrawals?

The Cash Pickup fee depends on the withdrawal amount and is applied at the time you submit a withdrawal request. See below for a schedule of fees:

Withdrawal Amount

Fee

Up to $500

$3.49

$500.01 - $900

$6.49

$900.01 - $2,900*

$9.49

All Cash Pickup withdrawals picked up in Arizona are subject to a per transaction limit of $499.99.

*Cash Pickup withdrawals greater than $900 are available to Serve Account holders who receive their tax refund via Direct Deposit into their Serve Account. Cash Pickup withdrawals greater than $900 are not available for Serve Account holders in Oklahoma and Arizona.

What limits apply to Cash Pickup withdrawals?

A daily withdrawal limit of $900 applies to all withdrawals other than those related to tax refunds.

If you Direct Deposit a tax refund to your Serve Account, the daily Cash Pickup withdrawal limit will be equal to your remaining tax refund, but no greater than $2,900, until the remaining tax refund balance is $900 or less. At that point, the $900 daily Cash Pickup withdrawal limit applies. The increased tax refund limit expires at the end of the calendar year in which the tax refund was Direct Deposited into your Serve Account.

Cash Pickup withdrawls above $900 are not available for Serve Account holders in Oklahoma and Arizona. All Cash Pickup withdrawls picked up in Arizona are subject to a per transaction limit of $499.99.

When will my cash be ready for pick up?

Once you submit your withdrawal request, your cash will be ready for pickup in as little as 5 minutes.* 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). Click here for a list of Walmart store locations and hours in the U.S. Click here for a list of Walmart store locations and hours in Puerto Rico.

*Daily limits apply.

How do I cancel a Cash Pickup order?

You can cancel a Cash Pickup request by accessing your Transaction History online or in the Mobile app and clicking the "Cancel" link next to the transaction.

Note: You have 21 days from the date you submit your withdrawal request to pick up your money. After 21 days, the request will be cancelled and the Withdrawal and Fee Amounts will be returned to your Serve Account.

Can Subaccount holders use Cash Pickup Powered by Ria?

No, Subaccount holders do not have access to the Cash Pickup service. Only Account holders can use the Cash Pickup service.

Who do I contact if I have a question about my Cash Pickup request?

For any questions about the Cash Pickup Powered by Ria service, contact us at 1-800-954-0559.

Can I use or withdraw my tax refund all at once?

You can use your tax refund by, among other things, making purchases with your Card virtually anywhere American Express® Cards are accepted, paying bills online or withdrawing money from any ATM1 that accepts American Express Cards, or using Cash Pickup Powered by Ria® (fees apply). Daily and monthly transaction limits apply. The schedule of Serve Account limits can be found here.

1 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.

Pay Bills

How do I use the Pay Bills feature?

If this is your first time paying a bill from your American Express Serve Account then please follow these steps to add a payee and pay your bills:

  1. Log in to your American Express Serve Account.
  2. Click Pay & Transfer and then choose Pay Bills from the drop down menu.
  3. Search for your payee:
    • You can search by the business name or by Top Payees in your local area.
      • To search by the business name, simply click on Add Payee, enter the business you want to pay and click search.
      • To search by top payees in your local area, scroll down the page to the section Top Payees in Your Area. Select the business you want to pay or click on the category name to display more of the top businesses in that category. Then click on the name of the business you want to pay, fill out the form and click Submit. If the business does not appear in the search results for that category, enter the name of the business in the search for a payee box.

To pay a bill you’ve paid before, please follow the steps below:

  1. Log in to your Account. Click Pay & Transfer at the top of the main page and select Pay Bills from the drop down menu.
  2. Simply scroll down to find the payee and click Pay.
  3. Fill out the form and click Submit.

To add a new payee, please return to the Pay Bills page and click Add Payee located at the top right corner of the page.

How do I use the Mail a Check feature?

Please follow these steps to mail a check to a payee:

  1. Log in to your American Express Serve Account.
  2. Click Pay & Transfer and then choose “Mail a Check” from the drop down menu.
  3. Click on “Select a Payee” drop down, if this is a new payee select “Add a Payee”. If you have mailed a check to this payee before it will appear in the drop down list for you to select from.
  4. From here fill in the check amount. Add an optional a memo describing what the payment is for. Then select “Continue”.
  5. If you selected “Add a Payee” you will see the screen where you will enter the Payee Name, Nickname (optional), Payee Address, and Payee Phone #. Once the information has been filled in, select “Save and Pay”.
  6. You will then see a screen that shows detailed information about the check, and a prompt to enter your ATM PIN. You can also edit the payee address if needed. Then, to mail the check, simply enter your four digit PIN and select “Submit”. You will then see the confirmation screen.
  7. If you would like to see your mail a check transaction information you can click “View Past Transactions” on any of the Write a Check screens or click “View Transactions” on the main account page.

How can I check the status of my bill payment?

After you've submitted your payment, you can check the status of your bill payment any time through the Transaction Details page. Just log into your Account, click on View Transactions, and select the bill payment transaction to view the status of your payment.

How long does it take for my payee to receive payment?

Timing depends on the type of payee. If you pay a payee from our list of pre-registered businesses (“registered payee”), it will take two business days. If the payee is not a “registered payee”, where we mail them a check for you, it will normally take about five business days.

American Express Serve® offers a Pay Bills Guarantee as long as the payment is requested at least 6 days prior to the bill’s due date. We will bear responsibility for late payment-related charges (up to a maximum of $50 per transaction) should a Pay Bills bill payment arrive after its due date. Additional terms apply; please see your applicable Consumer User Agreement for details.

Can I schedule Bill Pay reminders?

Yes, you can set up a Bill Pay reminder for each of your payees.

Click Pay & Transfer and then choose Pay Bills from the drop down menu, then scroll down and click Pay a Bill. If for an existing Payee, click Payee Settings , then Set Reminder under the Bill Reminder section. Then, select your reminder date and reminder frequency and click "Save".

In order to be protected by our Bill Pay Guarantee, you must pay your bill at least 6 business days before your bill is due.

Who can use the Pay Bills and Mail a Check features?

Pay Bills and Mail a Check features are available to all Serve Accountholders except for subaccounts. In order to use these features, the Accountholder must have activated their Card and be in good standing.

Send, Request, or Receive Money

How do I send to or request money from someone?

You can send money to or request money from anyone with an American Express Serve® Account. If you send money to or request money from someone who does not yet have an Account, then that person will receive email instructions on how to register for an Account. Once they successfully register for their Account, they can begin to send and receive money.

To send or request money, please log in to your American Express Serve Account. Click Pay & Transfer, then choose Send Money or Request Money from the drop down menu. From there, just follow the directions provided. We will notify you via email when your send or request has been accepted, cancelled or negotiated.

FDIC Pass Through Insurance

Are funds in my American Express Serve® Account protected by FDIC insurance? (Quick Summary)

When you add money to your personalized Card, we will place the funds into custodial accounts we maintain for the benefit of American Express Serve Members at one or more FDIC-insured banks (currently Wells Fargo Bank, N.A. and American Express Centurion Bank). If one of the banks in which we have placed your funds fails, your funds should be insured by the FDIC up to the maximum per-depositor coverage limit (currently $250,000 in most instances). Funds on the Temporary Card are not insured by the FDIC.

American Express Travel Related Services Company, Inc. is not a bank, and FDIC insurance does not protect you against the risk of our insolvency. Also, when you add money to your permanent Account, it will take us approximately one business day to place your funds into a custodial account. Your funds will not be insured by the FDIC until we deposit them into the account we maintain at the FDIC-insured bank.

More information about FDIC insurance coverage for Account funds is available below.

Are funds in my American Express Serve Account protected by FDIC insurance? (Detailed Explanation)

When you add money to your American Express Serve Account, the funds will be placed by us into one or more custodial accounts (“Custodial Account(s)”) we maintain for the benefit of American Express Serve Members at one or more FDIC-insured banks (currently Wells Fargo Bank, N.A. and American Express Centurion Bank). These Custodial Accounts will be set up to provide pass-through FDIC insurance. Subject to the limitations set forth below, this means that if a bank holding a Custodial Account fails, you should be insured by the FDIC up to the per-depositor coverage limit then in place (currently $250,000 in most instances). Note that the FDIC insurance maximum applies to all of the funds that you have on deposit with the bank that fails, including funds that you have in deposit accounts with the bank other than your American Express Serve-related funds in the Custodial Account.

Your American Express Serve funds will not receive the benefit of FDIC insurance before they are placed in one of the Custodial Accounts referenced above. We will place funds into the Custodial Accounts not later than the business day after those funds are credited to your American Express Serve Account. FDIC insurance coverage is contingent upon our maintaining accurate records and on determinations of the FDIC as receiver at the time of a receivership of a bank holding a Custodial Account.

FDIC pass-through insurance protects funds placed on behalf of an American Express Serve Member against the risk of loss (up to the then applicable FDIC deposit insurance limits) should any FDIC-insured bank(s) where we maintain Custodial Account(s) fail. FDIC pass-through insurance does not protect you against the risk of our insolvency. In the unlikely event of our insolvency, funds we place in a Custodial Account should be protected from claims by our creditors; however, it is possible that funds that we hold before placement in a Custodial Account will not be protected from claims by our creditors. Even if funds in your American Express Serve Account (whether held by us or held in a Custodial Account) are protected from claims by our creditors, in the unlikely event of our insolvency, it is possible that you will not have access to those funds while court or other legal proceedings are ongoing.

FDIC pass-through insurance also does not protect you against the risk that an attempted funding of your American Express Serve Account might fail to complete or be reversed (for example, if a check that you deliver to us is dishonored or a related credit is reversed after initial honor).

Please note:
Funds on Temporary Cards are not eligible for FDIC pass-though insurance. When you register online and establish an American Express Serve Account, your Temporary Card funds (to the extent you provide us information about your Temporary Card at registration) will be transferred to your American Express Serve Account and be eligible for FDIC pass-though insurance within one business day of establishment of your American Express Serve Account.

CARD MEMBERSHIP BENEFITS AND SERVICES

Roadside Assistance Hotline

What is Roadside Assistance Hotline?

Your car dies or blows a tire and you're stranded. Now what? With Roadside Assistance Hotline you can call us in case of emergency for reliable coordination and assistance service to help get you on your way. Third-party service costs are your responsibility. There are some vehicle exclusions and other important restrictions.1

1 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.

Purchase Protection2

What is Purchase Protection2?

Shop with added confidence and Purchase Protection,2 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.

2 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.

Global Assistance Hotline

What is Global Assist® Hotline?

When you travel more than 100 miles from home, you have 24/7 access to medical, legal, financial or other select emergency coordination and assistance services, including medical and legal referrals, assistance with passport replacement, missing luggage and more. Card Members are responsible for the costs charged by third-party service providers.3

3 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.

Membership Experiences®

What is Membership Experiences?

Enjoy access to presale tickets in certain cities when you use your American Express Serve Card.4

4 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.

Amex Offers

What is Amex Offers?

Amex Offers is a program that saves you money on shopping, dining and more. You can choose offers from brands you love and receive discounts or get statement credits on your Account.

Amex Offers is available by logging into Serve.com using the American Express Serve® Mobile App1 on your iPhone® or Android device or connecting your American Express Serve® Card to a participating social channel (Facebook or Twitter). Simply select the offers you want to add to your Card, and then use your Card to pay and see the savings add up. It's easy and there's no fee for our Accountholders.

1 Data rates may apply.

How do I become eligible to participate in Amex Offers?

Whether you signed up for an American Express Serve Account online or purchased a Temporary Card in a store, you must register, verify your email, and activate your personalized American Express Serve Card to be eligible. If you purchased a Temporary Card in a store, please register for your personalized Card if you haven't already done so.

Can I participate in Amex Offers with more than one American Express Card?

You can only add an Amex Offer to an eligible American Express Card once. If you are accessing offers through participating social channels, you can only connect one eligible American Express Card per unique Facebook or Twitter account.

When you make a qualifying purchase(s) at a merchant, you must use the same Card that you connected to the offer in order to receive the statement credit.

Can my Subaccounts participate in Amex Offers?

Your Subaccount(s) are eligible to participate in Amex Offers.

Do you share my information with any social networking websites?

No, your Card information will remain private as we do not share it with any social networking websites (Facebook or Twitter).

How do I find and add Amex Offers to my Card?

Access Amex Offers through your American Express Serve Account online, the American Express Serve Mobile App1 on your iPhone® or Android device or through participating social channels (note: you must have an account with the social channel to connect your Card):

  • Online: Log into your account online at serve.com and click on "My Offers" or "Amex Offers" under the "Plan & Manage" dropdown. Then, select the offer you want and save it to your Card. From there you can view live offers added in the past, add new offers, and see your savings history for all the offers you redeemed in the past.
  • Mobile: Login to the American Express Serve Mobile app and select "Amex Offers" from the menu. From there you can view live offers added in the past, add new offers, and see your savings history for all the offers you redeemed in the past. Don't have the American Express Serve Mobile App? Download it for free from the App Store or Google Play.
  • Facebook: First, you must connect your eligible American Express Serve Card to Facebook by visiting amex.co/facebook. Then, log into Facebook and click on the 'Amex Offers' app. Once you see an offer you are interested in, click or tap on 'Add to Card'.
  • Twitter: First, you must connect your eligible American Express Serve Card to Twitter by visiting amex.co/twitter. Then, follow us on Twitter (@americanexpress) to see our new offers or check out our Favorites tab (amex.co/faves) for the latest list. When you see an offer you like, tweet the offer hashtag and wait for a confirmation tweet from @AmexOffers.

Please note: In order to redeem an offer, you must make your purchase using the same Card on which you saved the offer. Although you need to add most offers to your Card, there are some offers that may require you to use a promo code at checkout or to follow a link to a merchant's website for redemption. Please note that hotels, car rental companies, and cruise lines do not accept prepaid cards for charges authorized in advance, even if those cards may be used to settle the final bill. Please check to make sure prepaid cards are accepted before attempting to use your prepaid card to take advantage of offers for these merchants.

Need help connecting? Get help online for connecting your Card or contact us at 1-800-954-0559.

1 Data rates may apply.

How do I disconnect/change my connected Card from Facebook or Twitter?

You may disconnect/change your Card anytime at https://sync.americanexpress.com/unsync or by calling 1-800-954-0559. Please note that if you disconnect your Card from Amex Offers on Twitter, you will be disconnected from the offers program.

About Cash Back

What is the American Express Serve® Cash Back Card?

With the American Express Serve® Cash Back Card, you get all the benefits and features of a Serve Account, plus earn 1% cash back when you use your Card in-store and online. Cash Back is added to your Account, and it’s available to redeem when you choose on your future purchases.

Please note that Cash Back is currently not available to Subaccount users.

All American Express Serve® Cash Back Cardholders are subject to the Cash Back program's terms and conditions. See the Cash Back User Agreement for full details.

Earn Cash Back

How do I earn Cash Back?

You earn 1% Cash Back when you make in store or online purchases with your American Express Serve® Cash Back Card. 1% Cash Back is added to your Account promptly after your purchase and is ready to spend when you choose.

What purchases can I earn Cash Back on?

You can earn Cash Back on in store or online purchases made with your American Express Serve® Cash Back Card. It is not limited to select merchants or select purchases.

ATM transactions, fees and Serve Online Bill Pay are not purchases and do not earn Cash Back.

1% Cash Back is rounded to the nearest dollar. Rounding means that you will never earn a fraction of a penny.

What happens if I return a purchase that I have earned Cash Back on?

Your Cash Back will be reversed on purchases that are returned, reversed, cancelled or disputed.

When will my earned Cash Back be available for use?

Your earned Cash Back will be available once the in-store or online purchase has settled with the us. Transactions are typically applied promptly after purchase and settled within 60 days of purchase. There might be a delay if the merchant is delayed in in submitting the purchase to us.

Is there a limit to the amount of Cash Back I can earn?

There is no limit to the amount of Cash Back you can earn. Typical Serve limits apply.

Will my earned Cash Back ever expire?

Your Cash Back does not expire.

Redeem Cash Back

How do I redeem Cash Back?

Just login to your Account, go to Plan and Manage and select Cash Back. Select Redeem under the Earned Balance amount. Your Redeemed Balance will automatically be used on your next purchase. It’s that easy!

When your Cash Back is in your Available Balance, you can use it toward any in-store or online purchase. If your Cash Back amount exceeds your purchase amount, your Cash Back will simply be applied toward your next purchase. If your Cash Back amount is less than your purchase amount, the remaining amount is drawn from your Available Account balance.

You can also redeem your Cash Back on the American Express Serve® Mobile App1 on the go. Simply login, select Cash Back from the menu options, and select Redeem. Don't have the American Express Serve Mobile App? Download it for free from the App Store or Google Play.

1 Data rates may apply.

What do I do after I redeem my Cash Back?

No further action is required — your Cash Back will automatically be applied on your next purchase.

Is there a minimum Cash Back amount I must redeem?

There is no minimum Cash Back amount, so you can redeem your Cash Back whenever you want.

Can I withdraw my Cash Back from an ATM?

Cash Back cannot be withdrawn from an ATM, and can only be redeemed on purchases made in-store or online.

Fees & Limits

Fees

You can find the fees for your specific American Express Serve Card below.

  • To register for the American Express Serve® Card, click here
  • To register for the American Express Serve® Free Reloads Card, click here
  • To register for the American Express Serve® Cash Back Card, click here
 

Are you looking for an earlier version of Serve? Click here

Enrolled in Serve by a company? See fees

How is the Monthly Fee charged?

The Monthly Fee will be charged to your Account at the end of every monthly statement period. Starting one calendar month after you successfully sign up for an American Express Serve Account, you will see the Monthly Fee listed on your monthly statement and your Transaction History. The Monthly Fee will be withdrawn from your Available Balance.

A Monthly Fee will be charged to your Temporary Card 30 days after purchase if you do not register for a personalized Card. Fees vary by Card. Please refer to our fee chart monthly fee information. No fee in AR, NY, TX.

Please Note: If your Available Balance is less than your monthly fee, a partial fee will be charged until your Account reaches a $0 balance. To collect the difference, we will first look to your Reserve and then to your Subaccount(s) to charge the remainder of the fee. If you have no money available in any of these Accounts, we will not charge the fee. American Express will not take your Account into negative balance as a result of this fee.

How can I avoid the ATM Withdrawal Fee?

You may withdraw money for FREE from over 24,000 MoneyPass® ATMs in the US. Transactions at non-MoneyPass® ATMs have an up to $2.50 American Express Serve fee.3 ATM operator fees may also apply.

3No fee in VT.

How is the Foreign Transaction Fee charged?

If you make a purchase in a currency other than US dollars, a 2.7% Foreign Transaction Fee will be charged on that transaction made outside the US after conversion to US dollars.

For example: If you make a purchase that, after conversion from the local currency to US dollars, equals $100, you will be charged $2.70.

Limits

What are the transaction limits on my American Express Serve Card?

Once you have verified your email and activated your Card, the following limits apply to your Account, which includes any Reserve and Subaccounts you may have. Please note that, subject to applicable law, we reserve the right to set additional limits to individual Accounts or to modify limits at our discretion.

If you've signed up for a Serve Account through Softcard, please click here to see your limits.

Get started now.

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.

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