|American Express Serve Limits|
|Available Balance combined for all of your Serve Accounts||$100,000|
|Direct Deposit (such as Tax Refunds, Government deposits, Salary and Payroll deposits)||$100,000 per year combined for all of your Serve Accounts|
|All Other Add Money Transactions (i.e. Cash, Mobile Check Capture by Ingo® Money, Checking or Savings Account, Debit Card, American Express® Charge or Credit Card, Request/Receive Money Transactions, and Backup Funding)||Up to $10,000 per month and up to $100,000 per year combined for all of your Serve Accounts (sub-limits as indicated below apply)|
$2,500 per day and $5,000 per month
$9,000 per day combined for all of your Serve Accounts
|Mobile Check Capture by Ingo® Money||$5,000 per day and $10,000 per month§‡|
|Checking or Savings Account||$2,000 per month^|
|American Express® Credit Card||$200 per day and $1,000 per month|
|Request/Receive Money Transactions||$10,000 per month|
|Backup Funding||$1,000 per day and $2,500 per month|
|Spend, Withdraw, and Send Money: Up to $15,000 per month and up to $100,000 per year combined for all of your Serve Accounts (sub-limits as indicated below apply).|
|Retail/Online Purchases||$15,000 per month|
|Pay Bills (Includes MAIL A CHECK)||$15,000 per month ($5,000 per month in the case of non-registered payees where payments are sent via MAIL A CHECK)|
|Send Money Transactions||$2,500 per month|
|ATM Withdrawals||$750 per day combined for all your Serve Accounts|
|Serve Money Transfer Powered by Ria®||$2,500 per day combined for all your Serve Accounts|
|Cash Pickup Powered by Ria®|
$2,500 per day (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)*
$2,900 per day combined for all of your Serve Accounts
|Transfers Back to Linked Bank Account||$15,000 per month|
|Card price||Up to $3.95||$0 to sign up online.|
|Monthly fee||$6.95||No fee for residents of NY, TX, or VT. No fee for residents of AR until you register your card. If you signed up for American Express Serve ® prior to February 1, 2019, the monthly fee is $4.95.|
|Cash reloads (in-network)||$0||"In-network" refers to reloads at over 45,000 locations including CVS/pharmacy®, Dollar General®, Family Dollar®, RiteAid®, Walmart® and participating 7‐ELEVEN® locations. The amount of each load to your Account using cash must be at least $20.|
|Cash reload (out-of-network)||Up to $3.95||"Out-of-network" refers to reloads at locations other than CVS/pharmacy®, Dollar General®, Family Dollar®, RiteAid®, Walmart® and participating 7‐ELEVEN® locations. Fee varies by retailer. The amount of each load to your Account using cash must be at least $20.|
|Mobile Check Capture by Ingo® Money|
|Money in 10 Days||$0||If your check is returned unpaid within the 10 day period, your Account will not be funded. No minimum check amount.|
|Money in Minutes||1% or 5% of check ($5 min fee)|
1% fee on payroll or government checks with preprinted signatures or 5% fee on other checks; $5 minimum fee applies; $20 check minimum.
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 and the First Century Bank and Ingo Money . 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.
|Add money from a bank account||$0||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.|
|Add money from American Express charge or credit card||$0||A cash advance fee may be assessed against your charge or credit card account. Check your charge or credit card agreement for details.|
|Online Bill Pay||$0|
|Serve Money Transfer powered by Ria®||Up to $16.99|
The Serve Money Transfer fee depends on the transfer amount.
$4.99 for transfers up to $50
$8.99 for transfers $50.01 - $1,000
$16.99 for transfers $1,000.01 - $2,500
See serve.com/moneytransfer for more details.
|ATM withdrawals (in-network)||$0||"In-network" refers to the MoneyPass® ATM Network. See serve.com/atm for locations and other details.|
|ATM withdrawals (out-of-network)||Up to $2.50||This is our fee. No fee for residents of VT. "Out-of-network" refers to all the ATMs outside of the MoneyPass® ATM Network. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.|
|ATM transaction decline||$0.75||Per ATM decline. No fee for residents of VT. Will apply at MoneyPass® or other ATMs each time you enter an invalid PIN, exceed your ATM withdrawal limits, or your Account has insufficient funds.|
|Cash Pickup powered by Ria®||Up to $9.49|
Per withdrawal. The Cash Pickup service is provided by Ria® for pick up at Walmart®. The Cash Pickup fee depends on the withdrawal amount.
$3.49 per withdrawal for cash out up to $500
$6.49 per withdrawal for cash $500.01-$1,000
$9.49 per withdrawal for cash $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 serve.com/cashpickup for more details.
|Customer service (automated or live agent)||$0||Available 24/7|
|ATM balance inquiry (in-network or out-of-network)||N/A|
|Using your card outside the U.S.|
|Foreign transactions||2.7%||After conversion to US Dollars.|
|Send and receive money||$0|
|Goals||$0||Set aside money for specific goals, emergencies, or other purposes|
|Card replacement – standard shipping||$5||No fee for residents of NY, TX, or VT. Per replacement card, standard delivery 7-10 business days.|
|Card replacement – expedited shipping||$20||Per replacement card, Fedex delivery. Card will arrive in 3-4 business days. Expedited shipping is not available to customers in Alaska, Hawaii, Puerto Rico, Guam, and the U.S. Virgin Islands.|
|Purchase Protection on eligible purchases||$0||Purchase Protection is underwritten by Virginia Surety Company, Inc., 175 West Jackson Blvd., Chicago, IL 60604. 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 serve.com/ppterms.|
|ATM balance inquiry (in-network or out-of-network)||N/A|
|Customer service (automated or live agent)||$0|
We charge 3 other types of fees.
†No fee in NY, TX, VT. No fee in AR until you register your card.
*This fee can be lower depending on where this card is used.
No overdraft/credit feature.
Register your card for FDIC insurance eligibility and other protections.
For general information about prepaid accounts, visit
Find details and conditions for all fees and services inside the package or call 1-800-954-0559 or visit serve.com/frcardinfo