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How it Works

1 Shop, Pay Bills, and More

You can shop virtually anywhere American Express is accepted with your Serve Card! From buying groceries for the family to paying bills online, let Serve help you reach your everyday goals.

2 Reload Your Card

You can add cash at over 45,000 locations nationwide. You can also sign up for Free Direct Deposit and get access to your paycheck up to 2 days earlier4.

3 Manage Your Money

Monitor your spending and track budgets by category. Use the Serve Mobile app to check your balance and make transactions on the go5.

Enjoy the Card Membership Benefits of the Serve Personalized Card

Serve® Temporary Card Serve® Personalized Card
Make Purchases
FREE MoneyPass® ATM Access2
Purchase Protection
FREE Direct Deposit
FREE Online Bill Pay
Mobile Check Capture by Ingo® Money
Mobile App5
Serve Money Transfer Powered by Ria®
Cash Pickup Powered by Ria®
Amex Offers
Send and Receive Money
Set aside money in Reserve
Roadside Assistance6
Financial Management Tools

$5 (no fee in NY, TX and VT)7

Direct Deposit $0
Add Money from a Bank Account8 $0
Online Bill Pay $0
Send and Receive Money $0
Set Aside Money in Reserve $0
Cash Reload

Up to $3.95 (varies by retailer)

ATM Withdrawals

$0 at MoneyPass® ATMs
$3.50 at non-MoneyPass® ATMs9 (ATM operator fees may apply)

Foreign Transactions

2.7% of each transaction after conversion to US dollars10

Mobile Check Capture by Ingo™ Money11 $0 for Money in 10 Days12
For Money in Minutes13, a 1% fee on payroll or government checks with preprinted signatures or 5% fee on other checks; $5 minimum fee applies
Serve Money Transfer Powered by Ria®

Send up to $2,500 for $16.99 per transaction3

Cash Pickup Powered by Ria®

Up to $9.49 per withdrawal14
Fee varies by withdrawal amount

Serve limits chart Serve limits chart

Access Money

FREE ATM Withdrawals

Free ATM withdrawals at over 30,000 MoneyPass® ATMs nationwide.2

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 your cash at Walmart®. Pick up as much as $2,900 at once.3

Serve Money Transfer Powered by Ria®

Send cash to anyone from anywhere. Cash is ready for pickup at Walmart in minutes.3

Add Money

Free Direct Deposit

Get access to your money up to 2 days faster with Direct Deposit.4

Mobile Check Capture by Ingo® Money

Cash your checks in minutes through Mobile Check Capture by Ingo® Money with the Serve Mobile app.11

Cash Reloads

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

Manage Your Money

Mobile App

Use the Serve Mobile App5 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 and Services

Fraud Protection

If your American Express Serve Card is lost or stolen, we protect you 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 Serve 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.5

3  Your Personalized 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 minutes3

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.

Get started now.

  1. 1Faster 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. 2 Transactions at non-MoneyPass® ATMs have a $3.50 American Express Serve fee. ATM operator fees may also apply. See for details.
  3. 3 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.
  4. 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 Monday Transfer of $50.01 - $1,000, and $16.99 for each Money Transfer of $1,000.01-$2,900 applies (for tax refunds or refund advances received via Direct Deposit, the daily limit will increase to the amount of the tax funds, up to $2,900. The daily limit will be the lesser of the tax funds amount or $2,900. Once the remaining tax funds amount is $2,500 or less, the $2,500 daily limit will apply). Other limits and terms and conditions apply. Visit for complete details.
  5. 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.
  6. 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.
  7. 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.
  8. 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.
  9. 5 Data rates may apply.
  10. 6 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. 7 Monthly fee commences 30 days after activation. If proceeds from a Jackson Hewitt partner loan product are loaded, no monthly fee is assessed unless additional money is loaded to your Card (excluding Jackson Hewitt promotions, but including tax refunds). See below for more details.
  12. 8 Bank origination fees may apply.
  13. 9 No fee in VT.
  14. 10 International Card usage is not available to Cardholders residing in Vermont.
  15. 11 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.
  16. 12 If your check is returned unpaid within the 10 day period, your Account will not be funded. No minimum check amount.
  17. 13 1% fee on payroll or government checks with preprinted signatures or 5% fee on other checks; $5 minimum fee applies; $20 check minimum. See for more detail.
  18. 14 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 are available to Serve Account holders who receive their tax refund or refund advance via Direct Deposit into their Serve Account. See for more details.
  19. 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 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.

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