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

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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

Why American Express Serve?

American Express Serve is a safe, easy way to pay
in stores or online. You get a Card and an online
Account that you can access from home or on the
go with the American Express Serve® Mobile App.

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No Hidden Fees

See our fee chart

No Credit Check
No Minimum Balance
No Overdraft Fees

Easily Add Money

Add money to your Account in the way
that is most convenient for you.

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Set Up Direct Deposit

Enjoy fast, easy access to your money
— no need for checks, check cashing
centers, or a bank with Direct Deposit
from American Express Serve.

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Add Cash for FREE

Add cash at the register for FREE
across 15,000 CVS/pharmacy® stores
and participating 7-ELEVEN® locations.
Just give $20 or more in cash and your
American Express Serve® Card to the
cashier and your money is immediately
added to your Card.

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Mobile Check Capture

You can add checks into your
American Express Serve Account using
the Mobile App.2 Just take a picture of the
front and back of the check and click to add.

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Transfer Money

Add money to your American Express
Serve Account by transferring money from
a bank account, debit card, or credit card.3

Manage Your Account

You can use American Express Serve
virtually anywhere American Express® Cards
are accepted worldwide.

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Free Withdrawals at Over 24,000 ATMs4

Get cash with no fees at over
24,000 MoneyPass® ATMS in
the U.S.

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Pay Bills Online

You can save time and postage — pay bills online,
or with the Mobile App. It's perfect for phone
bills, cable payments, and even your rent.

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Send Money to
Family or Friends

Settle up with friends, collect the rent,
or go in on a gift online with the
American Express Serve Mobile App.
American Express Serve is an easy
and secure way to get paid back
by email or text.5

Enjoy the Services of American Express

With your Account you can enjoy the
American Express standard of service
plus access to benefits.

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American Express
Customer Service

Enjoy the American Express standard
of service — speak to a real person 24/7
about Your Full Service Reloadable
Prepaid Account.

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Purchase Protection6

Shop with added confidence and
Purchase Protection,6 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.

American Express Serve®

Your Full Service Reloadable Prepaid Account

No Credit Check
No Minimum Balance
No Hidden Fees

How to Enroll In Direct Deposit

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