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

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

Plus…

  • FREE Online Bill Pay

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

  • Fraud Protection

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

  • Serve Money Transfer
    Powered by Ria®

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

  • Mobile

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

  • American Express Customer Service

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

  • FREE Early Direct Deposit

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

See How Serve® Stacks Up

 
American Express Serve®
FREE Reloads
Green Dot Cash Back NetSpend RushCard
Card Price $0 OnlineUp to $3.95 in retail locations $0 Online
Up to $4.95 in retail
$0 Online
Up to $4.95 in retail
Up to $9.95 Online
$3.95 in retail
Monthly Fee(No fee in TX, NY, VT) $4.95 Up to $7.95*$9.95 Up to $9.95* Up to $7.95*
Cash Reloads $0 at over 45,000 locations including CVS/pharmacy®, Dollar General®, Family Dollar®, Rite Aid®, Walmart® and participating 7‑ELEVEN® locations^§ Up to $4.95 Up to $3.95 Up to $4.95
Direct Deposit $0 $0 $0 $0
ATM Withdrawals $0 at MoneyPass® ATMs
$2.50 at non-MoneyPass ATMs. ATM operator fees may apply.
$0 $2.50 $0
Online Bill Pay $0 $0 $0 $0
Send and Receive Money $0 $0 $0 $0.99
Set Aside Money in Reserve Set Aside Money $0 - $0 $0
Subaccounts $0 $4.95 $4.95 $0
Card Replacement $0 $4.95 $9.95 Free for 12 months;
$4.95
24/7 Customer Service $0 - - -
Purchase Protection on Eligible Purchases $0 - - -
Foreign Transactions 2.7% after conversion to US Dollars 3.0% of total
transaction
3.5% of total
transaction
3.0% of total
transaction
Mobile Check Capture by Ingo® Money45 $0 for Money in 10 Daysy
For Money in Minutes a 1% fee on payroll or government checks with preprinted signatures or a 5% fee on other checks; $5 minimum fee applies
$0 for Money in 10 Daysy
For Money in Minutes, 1% or 5%, $5 minimum fee applies (fee varies by check type)
- - $0 for Money in 10 Daysy
For Money in Minutes, 1% or 4%, $5 minimum fee applies (fee varies by check type)
Cash Pickup Powered by Ria® Up to $9.49z per withdrawal - - -
Serve Money Transfer Powered by Ria® Send up to $2,500 for $16.99 per transaction# - - -

See How Serve® Stacks Up

  American Express Serve®
FREE Reloads
Green Dot Cash Back
NetSpend
RushCard
Card Price $0 OnlineUp to $3.95 in retail locations
$0 Online
Up to $4.95 in retail
$0 Online
Up to $4.95 in retail
Up to $9.95 Online
$3.95 in retail
Monthly Fee(No fee in TX, NY, VT) $4.95
Up to $7.95*$9.95
Up to $9.95*
Up to $7.95*
Cash Reloads $0 at over 45,000 locations including CVS/pharmacy®, Dollar General®, Family Dollar®, Rite Aid®, Walmart® and participating 7‑ELEVEN® locations^§
Up to $4.95
Up to $3.95
Up to $4.95
Direct Deposit $0
$0
$0
$0
ATM Withdrawals $0 at MoneyPass® ATMs
$2.50 at non-MoneyPass ATMs. ATM operator fees may apply.
$0
$2.50
$0
Online Bill Pay $0
$0
$0
$0
Send and Receive Money $0
$0
$0
$0.99
Set Aside Money in Reserve Set Aside Money $0
-
$0
$0
Subaccounts $0
$4.95
$4.95
$0
Card Replacement $0
$4.95
$9.95
Free for 12 months;
$4.95
24/7 Customer Service $0
-
-
-
Purchase Protection on Eligible Purchases $0
-
-
-
Foreign Transactions 2.7% after conversion to US Dollars
3.0% of total
transaction
3.5% of total
transaction
3.0% of total
transaction
Mobile Check Capture by Ingo® Money45 $0 for Money in 10 Daysy
For Money in Minutes a 1% fee on payroll or government checks with preprinted signatures or a 5% fee on other checks; $5 minimum fee applies
$0 for Money in 10 Daysy
For Money in Minutes, 1% or 5%, $5 minimum fee applies (fee varies by check type)
-
-
$0 for Money in 10 Daysy
For Money in Minutes, 1% or 4%, $5 minimum fee applies (fee varies by check type)
Cash Pickup Powered by Ria® Up to $9.49z per withdrawal
-
-
-
Serve Money Transfer Powered by Ria® Send up to $2,500 for $16.99 per transaction#
-
-
-
  1. Aite Group Proprietary American Express Study, May 2015

  2. *

    Providers offer reduced fees plans or fee waivers based on qualifying activities.

  3. §

    You can load at other locations for up to $3.95.

  4. ^

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

  5. No Fee in VT

  6. y

    If your check is returned unpaid within the 10 day period, your Account will not be funded.

  7. z

    The Cash Pickup service is provided by Ria® for pick up at Walmart®. The Cash Pickup fee depends on the withdrawal amount. $3.49 fee for withdrawals up to $500, $6.49 fee for withdrawals $500.01-$1,000, and $9.49 fee for withdrawals $1,000.01-$2,900. Withdrawals up to $2,900 (up to $2,500 in Arizona) are available to Serve Account holders who receive their tax refund or refund advance via Direct Deposit into their Serve Account. See serve.com/cashpickup for more details.

  8. #

    The Serve Money Transfer service is provided by Ria® for pickup at Walmart®. The fee depends on the transfer amount. $4.99 fee for transfers up to $50, $8.99 fee for transfers $50.01-$1,000, and $16.99 fee for transfers $1,000.01-$2,500. See serve.com/moneytransfer for more details.

Have questions?

Visit the Help Center

Get started now

  1. 1

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

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

    Ria is a registered trademark of Continental Exchange Solutions, Inc. dba Ria Financial Services, licensed as a Money Transmitter by the Department of Financial Services of the State of New York; licensed by the Georgia Department of Banking and Finance, NMLS ID 920968, LICENSE NUMBER 18943; and authorized independently or through its affiliate, Ria Financial Services Puerto Rico, Inc. OCIF LICENSE NUMBER TM-031, to operate as a Money Transmitter in all United States’ jurisdictions where it conducts business. American Express Travel Related Services Company, Inc. is not responsible for Ria’s acts or omissions in its provision of Serve Money Transfer services. For pickup in AZ, NM and OK, your recipient may be required to provide additional information, including social security number/ITIN and occupation.

  2. 2

    Data rates may apply.

  3. 3

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

  4. 4

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

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

  6. *

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

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

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

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

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

    © 2018 American Express Travel Related Services Company, Inc.  All rights reserved.

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