NOTE: American Express is no longer accepting new American Express® for AAA Prepaid Card account registrations. If you are interested in obtaining an American Express reloadable prepaid product, please visit Serve.com to learn more.
WHAT IS THE AMERICAN EXPRESS FOR AAA PREAPID CARD?
The American Express for AAA Prepaid Card is a joint marketing program between AAA Southern New England [SNE] and American Express through which a co-branded, dual-purpose Membership Card will be provided to members to serve as both a AAA Southern New England Club Membership Card and an American Express Prepaid Card (once activated).
The American Express for AAA Prepaid Card is not a credit or a debit card. It's a prepaid reloadable card, which means you load funds onto it, and use it to make purchases virtually anywhere American Express® Cards are welcome-even online. You can also withdraw your funds from your Prepaid Card at ATMs in the in the United States and globally that accept American Express. When the balance is low, you can reload it from a separate funding source.
You must be at least 18 years of age and have a valid Social Security Number to purchase and register the Prepaid Card. The Prepaid Card is not transferable and you agree to not permit any other person to use your Prepaid Card. For all terms and conditions see the Card Member Agreement.
The Prepaid Card is easy to use. Just follow these 3 steps:
Load: During registration and activation of the American Express Prepaid Card feature on the back of your Membership Card, you may load it with funds in any amount between $25 to $2,500. Funds can only be added by the AAA Member.
Spend: Use your Prepaid Card virtually anywhere American Express ® Cards are accepted worldwide—including online and at a majority of ATMs in the United States. There is no charge for the first ATM withdrawal per calendar month. There will be a $2.00 fee for each ATM withdrawal thereafter, assessed against the Card balance (A separate fee by the ATM network may apply).
Repeat: Reload the Prepaid Card and use it again. Reloads may occur online at americanexpress.com/aaasne or by calling Customer Service at 1-866-414-8623 (International Collect 1-801-981-1949).
American Express may change load or reload limits at any time for legal, risk management or security purposes.
One American Express fee-free ATM withdrawal per month. Thereafter, American Express will charge $2.00 per each ATM withdrawal, which is assessed against the Card balance. Please note: ATM owners/operators may charge their own fees for ATM transactions and balance inquiries.
No foreign currency transaction fee when a purchase or ATM withdrawal is made in a currency other than the Card’s currency
No reload fee
No monthly fee
No Card replacement fee
ACTIVATION & SETUP OF THE AMERICAN EXPRESS FOR AAA PREAPID CARD
No. Each Associate member can choose whether or not to activate their Prepaid Card through the American Express secure website. Associate members will have access to their individual account information only.
The Prepaid Card feature of the Membership Card is deactivated when you receive your AAA renewal credentials. This feature remains inactive until a Member decides to activate it. Members may choose not to activate the Prepaid Card.
You can Activate and securely fund your American Express for AAA Prepaid Card online by visiting americanexpress.com/aaasne and clicking the clicking the "activate" or "Go" button under the heading "New User."
You will need to provide the American Express Card number (found on the back of your AAA Membership Card), security code (four-digit number found above your American Express Card Number), your Social Security Number and your e-mail address to set up online access. You will also be asked to create a unique User ID and Password to manage your Card online. Upon activation you will need to set up a Funding Source and fund your Prepaid Card using either a bank account or an American Express Card. If you fund your Card with a bank account, please have your bank account number and routing number available. If you require assistance with online activation, you can call 1-866-414-8623, and a Customer Service Representative will gladly assist you .
Once you've set up online access, you will be able to:
Check your Card balance.
View your transaction history-the date and amount of purchase, as well as the merchant.
Sign up for alerts to be notified when a transaction has occurred or when the Card balance is below $20.00.
Conduct one-time reloads, set up recurring reloads.
Update profile information.
You can activate and securely fund your American Express for AAA Prepaid Card by going to a AAA branch near you. You will need to provide the American Express Card number (found on the back of your AAA membership card), security code (four-digit number found above our American Express Card number), and your Social Security number to an agent to activate in-branch. Upon activation, you will need to fund your Card using either cash or check.
You will need to set up online access and verify your email address at americanexpress.com/aaasne before you will be able to obtain cash at ATMs.
Once you activate your American Express for AAA Prepaid Card, you can retrieve your Prepaid Card PIN securely online at americanexpress.com/aaasne . Just login, click “View PIN” from the menu, and follow the instructions. Once you have securely retrieved your PIN online, you can choose to either use this PIN or call 1-866-414-8623 (International Collect 1-801-981-1949) to change it to any four-digit code.
This PIN number will allow you to withdraw cash from ATMs. Please note that you may not withdraw more than $400 US per day by ATM.
The American Express for AAA Prepaid Card is managed through a secure web portal. Upon activating your Prepaid Card you will be asked to create a User ID and Password to securely manage your Prepaid Card account. For your security, this User ID and Password is separate from your AAA membership login details.
Once you set up online access to your Prepaid Card, you can sign up for E-mail or Text alerts to notify you about important activity on your Prepaid Card. If your Card is lost or stolen, American Express will not hold you liable for unrecognized or fraudulent transactions and will transfer the remaining balance to your replacement Card.
To change your bank account or American Express, information stored online, log in at americanexpress.com/aaasne and click on “Load Funds”.
Use your Prepaid Card virtually anywhere American Express® Cards are accepted worldwide - including online and at ATMs. To get cash at an ATM, use the "withdrawal from checking" option. Please note that the Card cannot be used at casinos.
Yes. However, please note that in some industries a merchant may authorize a charge in advance and your available balance will be reduced by the amount of the authorization. For example, when you rent a car, or check in to a hotel, the merchant will seek a pre-set amount, equivalent to the estimated final bill, to be reserved against your Card. This means that your available balance will be reduced by an amount that may be higher than the final bill, until after the end of your car rental period or hotel stay.
In some circumstances, this may temporarily restrict your ability to make further charges on your Card. In other circumstances, some car rental companies may not accept the Card for charges authorized in advance, although it may be used to settle the final bill.
To avoid these situations, we advise you to consider using another form of payment when making car rental reservations or checking into hotels, and to use your American Express for AAA Prepaid Card to settle the final bill. The final charge on your Card will be the total amount of the bill.
If you are purchasing gas with your Prepaid Card, we recommend that you pay inside at the counter, and not at the pump. When you pay at the pump, gas stations, for security purposes, often temporarily charge more than the cost of your purchase. This temporary charge will be reversed in a few days and credited back to the Prepaid Card. Prepaying inside will ensure that the gas station will only charge the exact amount of your purchase, not more, so you have full use of the funds on the Prepaid Card.
When using your Prepaid Card to pay at a restaurant, they will check to make sure you have available funds on the Card, including the tip. If the total amount of the bill plus a 20% tip is more than the amount you have on your Prepaid Card, you may be declined. To avoid this, simply tell the waiter how much you'd like to pay from your Prepaid Card, and if the total bill is more than that amount, use other payment options.
Yes. Members can use their activated Prepaid Cards at ATMs for withdrawals. A PIN will be required for ATM withdrawals. Once you've set up online access to your Prepaid Card, you can retrieve your PIN by logging in at americanexpress.com/aaasne, clicking “View PIN“ from the menu, and following the instructions.
Please note that you may not withdraw more than $400 US per day by ATM.
Yes. American Express does not charge an ATM fee for the first withdrawal in each calendar month. American Express charges $2.00 per ATM withdrawal thereafter, which is assessed against the Card balance. Please note: ATM owners/operators may charge their own fees for ATM transactions and balance inquiries.
Please note that you may not withdraw more than $400 US per day by ATM.
Yes. To prevent use of your Prepaid Card for cash withdrawals at ATMs, simply log in at americanexpress.com/aaasne. Select “View Balance & Profile,” click on “Edit” and select “no” for ATM Access. Please remember to save your changes.
Yes. Your American Express for AAA Prepaid Card is accepted virtually everywhere American Express®Cards are accepted worldwide. You cannot use your Prepaid Card in countries where United States sanction restrictions apply.
No. With the American Express for AAA Prepaid Card, no foreign currency transaction fee will be applied to ATM or merchant transactions that are not in U.S. dollars. (A separate fee by the ATM network may apply).
There are 3 easy ways to add money to the Card online:
Bank Deposit Account (Checking or Savings)
There are 2 easy ways to add money to the Card in-branch:
Bank Deposit Account You can fund your Prepaid Card using a checking or savings account in your name. The account must be issued in the United States, Puerto Rico, or the U.S. Virgin Islands to you with a physical billing address in the same jurisdiction. Please have your bank routing and account number available. If you fund your Prepaid Card from a verified bank account, the funds will generally be available within 5 business days after the load is requested. A bank account can be used as a funding source when funding your Card online or by phone.
Online - Set up online access at americanexpress.com/aaasne, and then log in to your account. Select "Load Funds" from the menu and follow the instructions. Phone - Call 1-866-414-8623 (International Collect 1-801-981-1949), and a Customer Service agent will help you load funds using a bank account.
Once you setup a bank deposit account as a funding source for your Prepaid Card, you can also go online to set up automatic reloads to your Prepaid Card on a predetermined schedule by choosing the "Auto Reload" option from the "Load Funds" page. For automatically recurring loads, funds will generally be available within 5 business days after the date the auto reload is requested
Cash Add funds anytime in-branch by providing an agent with cash to load to your Card.
Check Add funds anytime in-branch by providing an agent with a check to load to your Card.
Direct Deposit You can have all or part of your paycheck loaded to your Prepaid Card each pay period. To do so, log into your account online at americanexpress.com/aaasne and click the "Direct Deposit" link from the "Load Funds" page. Print out and complete the form, and give it to your employer’s payroll department. Note: Your employer may have their own preferred Direct Deposit form. You should typically allow 1-2 pay periods for the initial deposit to be added to the Card balance. American Express® Card You can use your American Express charge or credit Card to load funds to your Prepaid Card without incurring cash advance fees. To do so, please have your American Express charge or credit Card available and load funds online. Set up online access at americanexpress.com/aaasne and then log in to your account. Select "Load Funds" from the menu and follow the instructions for the American Express Card funding source option.
Anytime a bank account is identified as a funding source, it must go through a trial deposit verification process.
When a bank account is identified as a funding source, we verify the account using a trial deposit verification process. We will send 2 small trial deposits to the bank account you provided within 2 business days after the bank account is added as a funding source.
The deposits should show up in your bank account as 2 separate amounts, each less than $0.99. In rare instances, the bank may combine these deposits into a single amount. If this occurs you can contact your bank and request that they identify the two separate deposit amounts for you. Verifying your bank account helps protect your financial information and confirms the bank account information you provided is correct.
The deposits will show up in your bank account as 2 separate amounts, each less than $0.99. You will need to verify the amounts to continue with bank account set-up. Verifying your bank account helps protect your financial information and confirms the bank account information you provided is correct.
When you purchase the Card, you must load at least $25 at activation. There is no minimum balance requirement. The maximum Card balance and monthly maximum load amount is $2,500 (or $10,000 with Salary Direct Deposit).
In most cases, if your bank account does not have enough funds to cover the scheduled Auto-Reload, your bank will reject our request for the funds. Our system will try again on the next scheduled reload date for your Prepaid Card. If you have overdraft protection set-up on your bank account, though, the reload request may be processed by your bank, and your bank account could show a negative balance. It is your responsibility to ensure that sufficient funds are available or to modify your auto reload schedule to avoid an overdraft on your bank account.
To view where your Prepaid Card was used, log in at americanexpress.com/aaasne and select “View Transaction History.” Or you may also retrieve your transaction history by calling American Express at 1-866-414-8623 (International Collect 1-801-981-1949).
To update your online profile, visit americanexpress.com/aaasne, log in and click “View Balance & Profile.” Once you are on the “View Balance & Profile” page, click on “Edit.” You will be able to update your e-mail address, mailing address, phone number and other information.
If you forget your password, please either visit americanexpress.com/aaasne and click “Forgot password?” to go through an online password reset process, or call Customer Service at 1-866-414-8623 (International Collect 1-801-981-1949).
To update your mobile phone number, click on “Edit number,” update your mobile phone number and save.
Select the alerts you would like to receive.
You will need to review and accept the Alerts Terms & Conditions to complete the set up of your Alerts.
We will send you a text message to your mobile number asking you to reply to complete activation of your text Alerts.
Text alerts are generally supported for carriers in the 50 states and may be supported in Puerto Rico, the U.S. Virgin Islands, and other U.S. territories. When traveling outside of the 50 states, text alerts coverage may be limited.
This will enable you to request your Prepaid Card balance any time via text. Text “BAL” plus the last 4 Card number digits (e.g. “BAL XXXX” ) to 91315.
In addition, you can choose to receive text messages when:
The Prepaid Card is used to make a transaction.
The Prepaid Card balance falls below $20.
A merchant declines a transaction.
Funds have been successfully loaded to the Prepaid Card online.
While American Express does not charge for text messages, your mobile service provider's message and data rates may apply.
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.1
For more information or assistance, please call Customer Service at 1-866-414-8623 (International Collect 1-801-981-1949).
1While 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.
Shop with added confidence and Purchase Protection2, 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.
2Purchase 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 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 Card Member Agreement.
Yes. You can have all or part of your paycheck added to the balance of your Card. Direct Deposit is a secure and convenient way to have funds automatically added to the Card each pay period. Please note, the Direct Deposit cannot exceed the $10,000 per Card maximum balance and monthly load limit. Please see our Card Member Agreement for more details.
(1) Payments by the U.S. Government may not be Direct Deposited to American Express for AAA Prepaid Card. This includes wages if you work for the U.S. Government, benefits such as Social Security, SSI, civil service retirement, VA compensation/pension, worker's compensation, Federal tax refunds, etc.
(2) Subject to applicable law, funds on the American Express for AAA Prepaid Card are not redeemable for cash other than through permitted ATM access.
(3) To verify that each Direct Deposit has been properly credited, the Purchaser can log into his/her American Express for AAA Prepaid Card online and review the transaction history or call Customer Service at 1-866-414-8623 (International 1-801-981-1949).
It typically takes 1-2 pay periods for the initial deposit to be added to the Card balance. After that, you should get your Direct Deposit within one business day of your normal pay date (often earlier) - all without visiting a bank or check cashing location.
To verify that each Direct Deposit has been properly credited, you can log into your online account and review your transaction history or call Customer Service at 1-866-414-8623 (International 1-801-981-1949). Direct Deposit funds should be applied to your account within one business day of your normal pay date (often earlier). You can also sign up to receive text and/or email alerts to inform you when money is added to your Card. Just login to your account online, select "Sign Up For Alerts" from the menu, then follow the instructions.
AAA MEMBERSHIP AND THE AMERICAN EXPRESS PREPAID CARD
If you cancel your AAA Membership, your American Express for AAA Prepaid Card account will automatically be closed. Please call American Express at 1-866-414-8623 upon cancelling your membership with AAA, and a Customer Service Representative will arrange to have any remaining funds on your Prepaid Card returned to the funding source on file.
Yes. Once you receive your new AAA Membership Card, you must re-activate the Prepaid Card feature by logging into your online account and following the instructions. Your new Card will carry your existing AAA membership number and your existing Prepaid Card number. Upon activation, any previous remaining balance will be carried over to your new Prepaid Card.
After 90 days post expiration or transfer to another club, the American Express for AAA Prepaid Card will be automatically closed.
Please call American Express at 1-866-414-8623 in order to have any remaining funds on the Prepaid Card returned back to the funding source on file. The American Express for AAA Prepaid Card is currently available only in the AAA Southern New England territory, though the Prepaid Card may be used anywhere American Express is accepted for payment.
At this time, INsider Cards are not eligible for Prepaid Cards. Only Members and Associate Members over the age of 18 can choose to activate their Prepaid Cards. Eligible Members can fund their Prepaid Card with either a bank account or an American Express Card.
At this time, only Members and Associate Members over the age of 18 can choose to activate and fund their individual Prepaid Card. Eligible Members can fund their Prepaid Card with either a bank account or an American Express Card.
If your Card is lost or stolen, you may call American Express for AAA toll-free number at 1-866-414-8623 to report the issue. American Express will not hold you liable for unrecognized (and fraudulent) transactions on lost/stolen Prepaid Cards. Upon receipt and activation of your replacement Card, any remaining balance will be transferred to the new Card.
You can dispute transactions that you believe to be fraudulent or unrecognized charges. Call Customer Service at 1-866-414-8623 (International Collect 1-801-981-1949) as soon as possible if you think your online transaction history or receipt is wrong, or if you need more information about a particular transaction. See the Card Member Agreement for more details.
If your Card is damaged, you may call American Express for AAA toll-free number at 1-866-414-8623 to report the issue, and we will ensure you are sent a replacement Card. Upon receipt and activation of your replacement Card, any remaining balance will be transferred to the new Card.
If a merchant authorizes a transaction for an amount greater than the American Express for AAA Prepaid Card's available balance, the Prepaid Card will generally be declined. However, in rare circumstances, a merchant may process a transaction without prior authorization, or an amount greater than a Prepaid Card's actual available balance may be authorized. If this occurs, you will be liable for the negative balance and may be notified to load more funds onto the Prepaid Card. There are no overdraft fees.
While this does not happen often, it is important to keep track of your balance and reload funds as needed. To help track your balance, you can opt to receive e-mail or text alerts when the balance on the Prepaid Card falls below $20. While American Express does not charge for text messages, your mobile service provider's message and data rates may apply.
Your privacy is important to us. To learn how we collect, use and safeguard information about you and how to limit the use and disclosure of your information, please review our privacy statement at americanexpress.com/aaasne.
If you have additional questions, please view the Card Member Agreement or call American Express Customer Service at 1-866-414-8623 (International Collect 1-801-981-1949). For questions about your AAA Membership, please call 1-800-222-8252.