Schedule of Services & Fees

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Last Modified: January 11, 2018

Unless you are a resident of an excluded state, or we otherwise waive or do not apply one or more fees in accordance with the terms of a program, special promotion or offer we may sponsor from time to time, we will impose the fees for the respective transactions set forth in the schedule below conducted through your Account as well as any Sub-Account(s) unless stated otherwise. All fees are in U.S. Dollars and remain subject to change in our discretion and where notice is provided as required by Applicable Law.

 
American Express Serve Card
American Express Serve®
American Express Serve FREE Reloads Card
American Express Serve®
FREE Reloads
American Express Serve Cash Back Card
American Express Serve®
Cash Back
Card Price $0 OnlineUp to $3.95 in retail locations
Monthly Fee(No fee in TX, NY, VT) $1
- or -
$0 when you Direct Deposit $500+x
$4.95 $5.95
Cash BackUnlimited 1% Cash Back on purchases*** Unlimited 1% Cash Back on purchases, no annual cap**$0
Cash Reloads Up to $3.95(fee varies by retailer) $0 at over 45,000 locations including CVS/pharmacy®, Dollar General®, Family Dollar®, Rite Aid®, Walmart® and participating 7‑ELEVEN® locations^§ Up to $3.95(fee varies by retailer)
Direct Deposit $0
Mobile Check Capture by Ingo® Money# $0 for Money in 10 Days**

For Money in Minutes***, a 1% fee on payroll or government checks with preprinted signatures or 5% fee on other checks; $5 minimum fee applies
ATM Withdrawals $0 at MoneyPass® ATMs
$2.50 at non-MoneyPass ATMs. ATM operator fees may apply.
Online Bill Pay $0
Send and Receive Money $0
Set Aside Money in Reserve $0
Subaccounts $0
Card Replacement $0
24/7 Customer Service $0
Purchase Protection on Eligible Purchases $0
Foreign Transactions 2.7% after conversion to US Dollars
Card Price
Monthly Fee(No fee in TX, NY, VT)
Cash BackUnlimited 1% Cash Back on purchases***
Cash Reloads
Direct Deposit
Mobile Check Capture by Ingo® Money#
Add Money from a Bank Account
ATM Withdrawals
Online Bill Pay
Send and Receive Money
Set Aside Money in Reserve
Subaccounts
Card Replacement
24/7 Customer Service
Purchase Protection on Eligible Purchases
Foreign Transactions
Serve Money Transfer Powered by Ria®
Cash Pickup Powered by Ria®
$0 OnlineUp to $3.95 in retail locations
$0 OnlineUp to $3.95 in retail locations
$0 OnlineUp to $3.95 in retail locations
$1
- or -
$0 when you Direct Deposit $500+x
$4.95
$5.95
Unlimited 1% Cash Back on purchases, no annual cap**$0
Up to $3.95(fee varies by retailer)
$0 at over 45,000 locations including CVS/pharmacy®, Dollar General®, Family Dollar®, Rite Aid®, Walmart® and participating 7‑ELEVEN® locations^§
Up to $3.95(fee varies by retailer)
$0
$0
$0
$0 for Money in 10 Days**

For Money in Minutes***, a 1% fee on payroll or government checks with preprinted signatures or 5% fee on other checks; $5 minimum fee applies
$0 for Money in 10 Days**

For Money in Minutes***, a 1% fee on payroll or government checks with preprinted signatures or 5% fee on other checks; $5 minimum fee applies
$0 for Money in 10 Days**

For Money in Minutes***, a 1% fee on payroll or government checks with preprinted signatures or 5% fee on other checks; $5 minimum fee applies
$0^
$0^
$0^
$0 at MoneyPass® ATMs
$2.50 at non-MoneyPass ATMs. ATM operator fees may apply.
$0 at MoneyPass® ATMs
$2.50 at non-MoneyPass ATMs. ATM operator fees may apply.
$0 at MoneyPass® ATMs
$2.50 at non-MoneyPass ATMs. ATM operator fees may apply.
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
2.7% after conversion to US Dollars
2.7% after conversion to US Dollars
2.7% after conversion to US Dollars
$4 for transfers up to $50
$8 for transfers $50.01 - $1,000
$16 for transfers $1,000.01 - $2,500
$4 for transfers up to $50
$8 for transfers $50.01 - $1,000
$16 for transfers $1,000.01 - $2,500
$4 for transfers up to $50
$8 for transfers $50.01 - $1,000
$16 for transfers $1,000.01 - $2,500
$3 per withdrawal for cash out up to $500
$6 per withdrawal for cash $500.01 - $1,000
$9 per withdrawal for cash $1,000.01 - $2,900 (tax funds only)y
$3 per withdrawal for cash out up to $500
$6 per withdrawal for cash $500.01 - $1,000
$9 per withdrawal for cash $1,000.01 - $2,900 (tax funds only)y
$3 per withdrawal for cash out up to $500
$6 per withdrawal for cash $500.01 - $1,000
$9 per withdrawal for cash $1,000.01 - $2,900 (tax funds only)y
  1. Enrolled in Serve by a company? See fees.
  2. x

    The monthly fee is waived when you receive a Direct Deposit of $500 or more during each monthly statement period.

  3. §

    You can load at other locations for up to $3.95.

  4. *

    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. Account spend limits apply. 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.

  5. No Fee in VT

  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. y

    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 (up to $2,500 in Arizona) 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.

  8. 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 americanexpress.com/PPterms.

  9. # 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 Serve.com/fees for details.
  10. **

    If your check is returned unpaid within the 10 day period, your Account will not be funded. No minimum check amount.

  11. ***

    1% fee on payroll or government checks with preprinted signatures or 5% fee on other checks; $5 minimum fee applies; $20 check minimum. See serve.com/fees for more detail.

The schedule above sets forth fees we impose on the respective transactions. Other parties (such as merchants with respect to point of sale transactions, ATM operators or networks with respect to balance inquiries and access to funds in your Account, and other financial institutions with respect to transactions such as cash withdrawals at their branches) may impose separate fees on the same transactions and we make no accounting for those.

We will deduct all applicable fees from the balance in your Account, or as applicable, Sub-Account, at the time of the imposition of the fees.