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As of February 1, 2019, subject to applicable state law, the following new fees will apply: $0.75 per ATM transaction decline and $5 per replacement Card. Exclusions apply. Please see the Serve Fee Chart to learn more.

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  • American Express Serve® Mobile App

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

    Send money from your Serve Account to your recipient for pickup at any Walmart store in the United States or Puerto Rico. Cash is ready for pickup in minutes. Send money for as little as $4.99.4

  • Woman On couch with phone

    Mobile Check Capture by Ingo® Money

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

Add Money

Early Direct Deposit

Get access to your money up to 2 days faster with Direct Deposit.2


Transfer Money

Add money to your Prepaid Account from a bank account6 or by linking a debit card.

Free Cash Reloads

Load cash on your Reloadable Prepaid Card at thousands of locations including CVS/pharmacy®, Dollar General®, Family Dollar®, Rite Aid®, participating 7-ELEVEN® locations and Walmart®.


Manage Your Money

Serve Money Transfer Powered by Ria®

Send cash to anyone from anywhere. Cash is ready for pickup at Walmart in minutes.4

Cash Pickup Powered by Ria®

A convenient way to get your cash at Walmart®. Pick up as much as $900 at once.4


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.

Send & Receive

Send and receive money between other American Express Serve Accounts for FREE.


Set aside money for a large purchase or rainy day with Reserve.

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!


Mobile App

Use the Serve Mobile App1 to check your balance, view transactions, send money and more. Download the iOS or Android app.

Text Alerts

Stay informed on your Account activity and customize your alert notifications based on your preferences.

Mobile Check Capture by Ingo® Money

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

American Express Membership Benefits

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.

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

American Express Experiences

Get access to some of the hottest events in sports and entertainment.7

Fraud Protection

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

24/7 Customer Service

Access the American Express Standard of Service 24/7.

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.

Travel Protection

Assistance is only a phone call away with our Global Assist® Hotline8 and Roadside Assistance Hotline.9


Get FREE ATM withdrawals at over 24,000 MoneyPass® ATM locations nationwide. And, you can withdraw cash using your American Express Serve® Prepaid Card at virtually any ATM nationwide.3

Serve Money Transfer Powered by Ria®
Transfer cash to anyone from anywhere4

Sender Recipient
Sender1. 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.

Recipient3. Pickup Cash

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

Have questions?

Visit the Help Center
  1. 1

    Data rates may apply.

  2. 2

    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.

  3. 3

    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.

  4. 4

    The Serve Money Transfer and Serve Cash Pickup services are 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.

    For Serve Money Transfers, the daily 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 for complete details.

    For Serve Cash Pickup transactions, a $2,500 daily Cash Pickup limit applies; provided, that for Cash Pickup transactions related to 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. A fee of $3.49 for each Cash Pickup up to $500, $6.49 for each Cash Pickup of $500.01-$1,000, and $9.49 for each Cash Pickup of $1,000.01-$2,900, applies. Other limits and terms and conditions apply. Visit for complete details.

    Serve Money Transfers and Serve Cash Pickup transactions 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. To pick up a Money Transfer or Cash Pickup transaction, you (in the case of a Cash Pickup transaction) or your recipient (in the case of a Money Transfer) must be at least 18 years of age and present a valid government-issued photo ID and pickup reference number. You or 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, additional information, including social security number/ITIN and occupation, may be required.

    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 or Serve Cash Pickup services.

  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

    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.

  8. 8

    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

  9. 9

    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 1-855-431-1156 or see

  10. 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

  11. 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 subject to the Privacy Statement and agree to be bound by Terms of Service. You can set preferences with AdChoices.

    © 2019 American Express Travel Related Services Company, Inc.  All rights reserved.