Serve by American Express

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American Express Serve®

Your Full Service Reloadable Prepaid Account

  • No credit check
  • No Minimum Balance
  • No Hidden Fees

Get Paid Fast with direct deposit
— And Get a $50 Credit

For a limited time, sign up for Direct Deposit and get a $50 credit to your American Express Serve® Account after you receive two Direct Deposits of $250 or more each.1 How to Enroll

Serve Card with Mobile Phone

Get American Express Serve to access features and benefits

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    What is American Express Serve?

    It’s a Full Service Reloadable Prepaid Account that comes with a Card you can use virtually anywhere American Express® Cards are accepted and at ATMs worldwide, including free withdrawals at over 24,000 MoneyPass® ATMs in the US.2

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    No Hidden Fees

    There is no minimum balance required, and you can't overdraft your Account. Your $1 monthly fee is waived for each monthly statement period that you load $500 or receive a Direct Deposit. SEE OUR FEE CHART.

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    Move money at home or on the go

    Download the American Express Serve® Mobile App to manage your money on the go.3 You can check your Card balance, view recent transactions, pay bills, and easily send and receive money between family or friends to settle up a bill or collect the rent.

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    Pay Bills online

    Pay your phone bill or make car payments online with no bill pay fees. You can store payee information to easily pay recurring bills, even if the payee is not in the American Express Serve database.

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    Add Cash for Free

    Add cash to your American Express Serve Account at the register for free across 15,000 CVS/pharmacy® stores and participating 7-ELEVEN® locations. Learn More.

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    Get Access to Benefits

    Get access to benefits like 24/7 customer support, Purchase Protection,4 Roadside Assistance Hotline,5 Entertainment Access®,6 and Global Assist® Hotline.7

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    Direct Deposit

    Automatically send your paycheck to your American Express Serve Account and enjoy fast, easy access to your money — no need for checks or a trip to the bank.

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    American Express Serve uses advanced encryption technology to keep your information and transactions safe and secure.

How to Enroll In Direct Deposit

  1. Sign up for an American Express Serve®Account
  2. Activate your American Express Serve® Card
  3. Complete the Direct Deposit form and give it to your participating employer's payroll department or your government benefits provider
Fee Chart