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American Express Serve

A Prepaid Debit Account that offers quick and easy access to your IRS refund

Get fast access to your tax refund when you use direct deposit, with free cash reloads and free online bill pay.

No credit check, No minimum balance, No hidden fees.

See our fee chart


File your taxes with TaxAct and get $20 added to your Card after you select to have your refund loaded onto an American Express Serve® Card!*

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FREE Cash Reload Network with Over 45,000 Locations

Designed for your cash on payday. Give your cash and your American Express Serve® Free Reloads Card to the cashier, and your money will be immediately added to your Account.

CVS Dollar General Rite Aid 7 Elevnt

Family Dollar Walmart

Earn a $20 Account Credit

on your American Express Serve Card after two direct deposits OR two cash reloads of $250 or more each.1

Free ATM Withdrawals

Free ATM Withdrawals

Get FREE ATM withdrawals at over 24,000 MoneyPass® ATM locations nationwide.1 You can also use non-MoneyPass® ATMs, but fees may apply.

Free Direct Deposit

Free Direct Deposit

Get all or part of your paycheck added directly to your Serve Prepaid Account. Get access to your money up to 2 days faster with Early Direct Deposit.3

Free Online Bill Pay

Free Online Bill Pay

Save time and postage by paying bills like your car payment or phone bill online (electronic transfers take as little as two days) and by storing payee information.

Mobile App

Mobile App

Check your balance and recent transactions, pay bills on the go, add checks, and send money to family or friends who have a Serve Account.2



Serve can be used in store or online, virtually anywhere American Express® Cards are accepted.

American Express Customer Service

American Express Customer Service

Access the American Express® Standard of Service. A live person is available 24/7.

* TaxAct will add $20 to tax filer's American Express Serve Free Reloads Account after customer (i) files their 2016 tax return with TaxAct on or after March 21, 2017 and (ii) chooses to receive their refund and receives their refund on an American Express Serve Account by June 30, 2017. Offer is subject to limited availability, cannot be combined with any other offers, and is subject to change or cancellation at any time. Limit one (1) $20 credit per Serve Account. Statement credit will be posted to your Serve Account within sixty (60) days of your satisfying the above requirements. Terms and conditions apply. Visit for current offers.

1. To receive the $20 statement credit from American Express Serve, you must, (i) successfully sign up for a new American Express Serve Account through, (ii) activate your American Express Serve Card, and (iii) either (x) successfully enroll in Direct Deposit and receive a minimum of two qualifying Direct Deposit transfers of $250 or more to your American Express Serve Account OR (y) during the offer period beginning 3/31/17 and ending 10/18/17, have added at least two Cash Reloads on your Card of $250 or more each.

It may take up to 2 pay cycles after you enroll for your Direct Deposits to begin. A qualifying Direct Deposit is defined as a recurring Direct Deposit of a paycheck or other regular monthly income electronically added by a payor into your Serve Account. Transfers and loads from other funding sources (including tax refunds or transfers or loads via Receive Money, credit or debit card, cash, or bank account) are not qualifying Direct Deposits.

Limit one (1) $20 credit per Serve Account. Statement credit will be posted to your Serve Account within sixty (60) days of your satisfying the above requirements. Offers subject to change or cancellation at any time. Offers valid only for the named recipient of this email and shall be void if transferred or forwarded. Subaccount holders are not eligible to earn Account credit.

American Express Serve: Eligibility, fees and restrictions apply. U.S. only. See the Consumer User Agreement at for details. American Express Serve prepaid cards are issued by American Express Travel Related Services Company, Inc., 200 Vesey Street, New York, NY 10285. All trademarks are properties of their respective owners.

2. Transactions at non-MoneyPass® ATMs have a $2.50 American Express Serve fee. ATM operator fees may also apply. See for details.

3. Data rates may apply.

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.

American Express Serve® Free Reloads ("Serve Free Reloads") is available to U.S. residents who are over 18 years old (or 19 in certain states). Fees, eligibility requirements and restrictions apply. View the Consumer User Agreement, E-Communications Disclosure and Important Notice concerning User Privacy for complete details regarding the Serve Free Reloads service.

Serve Free Reloads is provided and issued by American Express Travel Related Services Company, Inc., 200 Vesey Street, N.Y., N.Y. 10285, licensed to engage in the transmission of money on behalf of the public. Click here for information about addressing complaints regarding American Express Serve's money services business, lists of money services business licenses and other disclosures.

© 2017 American Express Travel Related Services Company, Inc. All rights reserved