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  • 1 Unlimited 1% Cash Back on Purchases2

    Save when you shop in store and online with Serve. Ideal for your expenses, regardless of how big or small.

  • 2 Use the Serve
    Mobile App3

    Check your balance, set up Early Direct Deposit4, pay friends with Serve Accounts on-the-go, add checks with Mobile Check Capture by Ingo® Money5, pay bills online, and more.

  • 3 Budget for Today
    and Tomorrow

    Use Reserve to set your tax refund aside for later or use Insights to track spending and set budgets.

  • Quick & Easy Access to Your Tax Refund

    Access your tax refund up to 2 days FASTER than a standard electronic deposit from the IRS1.

    With Serve, get FREE ATM withdrawals at over 24,000 MoneyPass® ATMs.6 Plus, with Cash Pickup Powered by Ria®, pick up your tax refund in as little as 5 minutes. Daily limits apply.7

  • American Express Serve Is Safe And Secure

    Safety & Security

    Add your tax refund to your Serve Account and you can feel confident that your money is backed by the safety and security of American Express.

    Plus, if your Serve Card is lost or stolen, we protect you against fraudulent purchases.

Smart. Simple. Serve

Add checks with Mobile Check Capture by Ingo® Money5

FREE Send and Receive between other Serve Accounts

FREE Early Direct Deposit4

Smart. Simple. Serve

FREE ATM Withdrawals at over 24,000 Moneypass® ATM Locations Nationwide.6

FREE Online Bill Pay

Explore a range of offers from places you love. It's easy and free. See what Amex Offers you.

Smart. Simple. Serve

Access the American Express® Standard of Service 24/7.

With the American Express Serve Mobile app3, check your balance, recent transactions, add checks, and send money.

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

The American Express Serve Family of Prepaid Debit Accounts

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  1. Serve Home > Money Management

  2. 1

    Faster access compared to standard tax refund electronic deposit and subject to IRS submitting refund information to the bank before release date. IRS may not submit refund information early.

  3. 2

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

  4. 3

    Data rates may apply.

  5. 4

    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.

  6. 5

    The Mobile Check Capture by Ingo Money service is provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy. All checks are subject to approval for funding in Ingo Money’s sole discretion. Approval usually takes 3 to 5 minutes but can take up to one hour. Fees apply for approved Money in Minutes transactions funded to your Account. See 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 for details. Data rates may apply.

  7. 6

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

  8. 7

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

    Ria is a registered trademark of Continental Exchange Solutions, Inc. dba Ria Financial Services, licensed as a Money Transmitter by the Department of Financial Services of the State of New York; licensed by the Georgia Department of Banking and Finance, NMLS ID 920968; and authorized independently or through its affiliate, Ria Financial Services Puerto Rico, Inc. OCIF LICENSE NUMBER TM-2014-031, to operate as a Money Transmitter in all United States' jurisdictions where it conducts business American Express Travel Related Services Company, Inc. is not responsible for Ria's acts or omissions in its provision of Serve Cash Pickup services.

    Serve Cash Pickup orders can be picked up during Walmart store hours (typically 8:00 a.m. to 8:00 p.m. 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. To pick up your Serve Cash Pickup order, you must present a valid government-issued photo ID and pickup reference number. You will be required to provide proof of address if your ID does not contain your address or contains a P.O. Box.

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 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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