American Express
Serve® Card

American Express Serve Card
  • Get your IRS refund up to 2 days earlier than standard Direct Deposit.1
  • All the features and benefits of an American Express Prepaid Account.

Early Access

Early Access Card
  • You could get up to a $400 Early Access Line of Credit from Republic Bank.2
  • PLUS, all of the benefits of the American Express Serve Card including your IRS refund up to 2 days earlier than standard direct deposit.1

Access Money

FREE ATM Withdrawals

Free ATM withdrawals at over 24,000 MoneyPass® ATMs nationwide.3

Everyday Purchases

Use Serve virtually anywhere American Express® Cards are accepted.

Free Online Bill Pay

Save time and postage by paying bills online.

Cash Pickup Powered by Ria®

A convenient way to get cash at Walmart®. Pick up as much as $2,900 at once.4

Serve Money Transfer Powered by Ria®

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

Add Money

Free Direct Deposit

Get access to your money up to 2 days faster with Direct Deposit.5

Mobile Check Capture by Ingo® Money

Cash your checks in minutes through Mobile Check Capture by Ingo® Money with the Serve Mobile app.6

Cash Reloads

Load Cash on your Prepaid Card at over 45,000 locations including:

Manage Money

Mobile App

Use the Serve Mobile App7 to check your balance, view transactions, pay bills and more. Download the iOS or Android app.


Up to four additional Cards to help manage family spending.

Reserve Accounts

Set aside money for a big purchase and more.

Send & Receive

Serve Account holders can send and receive money between other Serve Accounts for Free.

Card Membership Benefits

Fraud Protection

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

American Express Customer Service

Backed by American Express 24/7 Customer Service.

Amex Offers

Save at places you love to shop, dine and more.

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.

Have a Card Already?

I received a Temporary Card in a Jackson Hewitt office.

Your Temporary Card was registered with us during your visit to the Jackson Hewitt office.
To complete your account set up, follow these steps:

1  Check your inbox for an email from American Express with a link and instructions to set up your online Account.

2  Create your username and password to Log In and manage your account online or through the Mobile App.7

3  Your Permanent Card will arrive in the mail within 7-10 business days of setting up your online Account.

Cash Pickup Powered by Ria®
Cash is ready for pickup at Walmart in minutes4

1. Log in to your Account

Select "Withdraw Money", click on Serve Cash Pickup Powered by Ria and follow the steps provided.

2. Choose Amount

Select how much cash you'd like to withdraw and in which state the money will be picked up. You can visit any Walmart in that state to pickup the cash.

3. Pickup Cash

Cash will be ready for pickup at Walmart in minutes. Valid government-issued photo ID is required.

  1. 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.
  2. 2Early Access Line of Credit of up to $400 offered by Republic Bank & Trust Company, member FDIC. Subject to underwriting and approval. American Express Early Access prepaid account and recurring monthly direct deposits to Republic Bank deposit account required. $20 monthly cost composed of $15 Monthly Line of Credit Fee and $5 monthly prepaid card fee. Direct deposit amount verification required and advances not available until at least 35 days after your initial direct deposit to your Republic Bank deposit account, but no earlier than February 1, 2018. Payment of outstanding line of credit balance and fees required monthly. Offer limited to Jackson Hewitt customers. Participating locations only. Visit for details.
  3. American Express Early Access prepaid account required; eligibility, fees and restrictions apply. See the Consumer User Agreement at for details. Issued by American Express Travel Related Services Company, Inc., 200 Vesey Street, New York, NY 10285.
  4. All trademarks are property of their respective owners. Offer subject to change or expiration without notice. Jackson Hewitt is a Rhode Island Licensed Loan Broker, is licensed in Maine (#CSO14242) and holds other relevant licenses for the locations where this product is offered. Visit for details, including license numbers. For Vermont residents: THIS IS A LOAN SOLICITATION ONLY. JACKSON HEWITT IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.
  5. 3 Transactions at non-MoneyPass® ATMs have a $3.50 American Express Serve fee. ATM operator fees may also apply. See for details.
  6. 4 Data rates may apply. 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.
  7. 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 ($2,500 in Arizona) 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.
  8. 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.
  9. 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 or Serve Cash Pickup services.
  10. 5 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.
  11. 6 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.
  12. 7 Data rates may apply.
  13. 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

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.

All users of our online services subject to the Privacy Statement and agree to be bound by Terms of Service.

© 2017 American Express Travel Related Services Company, Inc.  All rights reserved.

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