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Access Your Full Benefits by Registering for Free

Serve® Temporary Card Serve® Personalized Card
Use earned 1% Cash Back
Reload money with FREE Direct Deposit
FREE Online Bill Pay
FREE MoneyPass® ATM Access2
Purchase Protection
Serve Money Transfer Powered by  Ria®
Make Purchases

How to Claim Your Full Benefits

It’s Quick and Easy

  1. 1 Get your personalized Card in the mail

    Click on any Register link to get your Personalized Card in the mail

  2. 2 Verify your email address

    Verify your email address by clicking the link in the email we send you

  3. 3 Receive your personalized Card in the mail

    Receive your personalized Card in the mail (7-10 days)

  4. 4 Activate your Card at

    Activate your Card when it arrives at

Have questions?

Visit the Help Center

Do It All On the Go

Use the American Express Serve® Mobile app3 to check your balance and recent transactions, pay bills on the go, add checks, and send money to family or friends who have a Serve Account. Download the iOS or Android app.

Add Money

Early Direct Deposit

Once you’re registered you can sign up for FREE Direct Deposit. Get access to your money up to 2 days faster.4

Cash Reloads

Load cash on your Prepaid Card at thousands of locations including CVS/pharmacy® and Family Dollar®.

Mobile Check Capture by Ingo® Money

Cash your checks in minutes through Mobile Check Capture by Ingo® Money with the Serve Mobile app.5

Transfer Money

Registered Card users can transfer money by adding money to their Prepaid Account from a bank account6 or by linking a debit card.

Manage Your Money

FREE ATM Withdrawals

Get FREE ATM withdrawals at over 30,000 MoneyPass® ATM locations nationwide.2 You can also use non-MoneyPass® ATMs, but fees may apply.

Mobile Capabilities

With the American Express Serve Mobile app3, check your balance, recent transactions, add checks, get SMS text alerts, and send money. Download the iOS or Android app.

Pay Bills

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!

Serve Money Transfer Powered by Ria®

Send cash to anyone from anywhere. Cash is ready for pickup at Walmart in minutes.7

Cash Pickup Powered by Ria®

A convenient way to get your cash at Walmart®. Pick up as much as $2,500 at once.7

Send & Receive

Registered Card holders can send and receive money between other American Express Serve Accounts for FREE.


Perfect for giving allowance or paying the babysitter. Each one comes with its own American Express Serve® Prepaid Card, while you maintain control of spending.

American Express Membership Benefits

24/7 Customer Service

Access the American Express Standard of Service and speak with a live person 24/7 by registering for a Personal Card.

Fraud Protection

If your American Express Serve Card is lost or stolen, we protect you against fraudulent purchases.

Amex Offers

Explore a range of offers—shopping, dining and more—from places you love. It’s easy and free. See what Amex Offers you.

American Express Experiences

Get access to some of the hottest events in sports and entertainment.8

FDIC Insurance

Money held in registered American Express Serve Accounts is eligible for FDIC pass-through insurance. Temporary Card funds are not FDIC insured. For more information, please visit

Purchase Protection

Shop with added confidence and Purchase Protection, 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.

Travel Protection

Assistance is only a phone call away with our Emergency Assistance9 and Roadside Assistance.10

Serve Money Transfer Powered by Ria®
Transfer cash to anyone from anywhere7

1. Select Recipient

Designate the recipient for your money transfer. Your recipient must be at least 18 years of age.

2. Choose Amount

Decide how much to transfer and in which state the money will be picked up. Your recipient can visit any Walmart in that state to pickup the cash.

3. Pickup Cash

The cash will be ready for pickup at Walmart in minutes. Valid government-issued photo ID is required to pickup the cash.

Learn more here

  1. 1

    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. 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.

  2. 2

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

  3. 3

    Data rates may apply.

  4. 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.

  5. 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 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 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.

  6. 6

    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.

  7. 7

    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 American Express Serve Consumer User Agreement. Pickup is available in all 50 United States and Puerto Rico.

    The daily transfer limit for Serve Money Transfers 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 for complete details.

    Serve Money Transfers 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 also be required to provide proof of address if your or their ID does not contain an address or contains a P.O. Box. For pickup in AZ, NM and OK, your recipient may be required to provide additional information, including social security number/ITIN and occupation.

    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. NMLS ID 1686588, 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.

  8. 8

    Offer valid in select cities. During the specified sales period, tickets are available exclusively to all American Express® Card Members. Tickets must be purchased with an American Express Card. 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.

  9. 9

    While Emergency Assistance 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, click here.

  10. 10

    Roadside Assistance is a 24-hour dispatch hotline that can send a tow operator or locksmith to assist in an emergency situation. While Roadside Assistance 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, District of Columbia, 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 1-866-384-2790 or click here.

  11. 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

  12. 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 and is licensed as a Money Transmitter by the New York State Department of Financial Services. NMLS ID# 913828. 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 are subject to our Privacy Statement and agree to be bound by our Terms of Service. You can set preferences with .

    © 2020 American Express Travel Related Services Company, Inc.  All rights reserved.