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Save your money, so that your money can save you.
Save your money, so that your money can save you.

American Express Serve® Prepaid Card

amex serve prepaid card

Table of Contents

  1. American Express Serve®
  2. Is American Express Serve Legit?
  3. What Bank Does Serve Card Use?
  4. American Express Serve Problems
  5. How to Load American Express Serve?
  6. How Long Does Direct Deposit Take?
  7. American Express Serve Fees
  8. Does the Serve Card Report to Credit Bureaus?
  9. Can I Use Zelle With Serve?
  10. Can You Get Cashback With Serve?
  11. Amex Serve Card Experience
  12. American Express Serve Overall Review
  13. More American Express Reloadable Cards
  14. American Express Serve® FREE Reloads
  15. American Express Serve® Cash Back

American Express Serve®

American Express Serve® prepaid debit card only charges $1 per month. The reload fee at the register is $3.95 but it varies depending on the retailer. American Express Serve does not have it’s own reload pack so you must bring your prepaid debit card to the register to load money onto it. 

American Express Serve®  also has a very cool feature that allows you to move money from your available balance to your reserve account. Not only is this a great mechanism to stash away money and save but it also prevents unauthorized charges because companies can only charge what's in your balance.

Here are a few other beneficial information regarding American Express Serve® prepaid card:

  • No Hidden Fees
  • No Credit Check
  • No Minimum Balance
  • Can register online
  • Free direct deposit
  • Free ATM withdrawals (using  MoneyPass® 24,000 locations)
  • Free Online Bill pay
  • Fraud Protection
  • Reserve account

Learn More

Is American Express Serve Legit?

The American Express Serve card is completely legit. American Express Serve is backed by American Express, a financial institution founded in March 18, 1850. American Express is listed in the New York Stock Exchange (stock market) and brings in revenue of 43.5 billion dollars in 2019. The American Express Serve address is:

American Express National Bank
4315 South 2700 West
Salt Lake City, UT 84184


What Bank Does American Express Serve Card Use?

Unlike most prepaid cards the American Express Serve card uses their own bank, the American Express national bank. Scroll up to view the address of AENN bank. The Serve card is not provided by Bancorp or Metabank like other reloadable prepaid cards.

American Express Serve Problems

The only issue that we've seen with this card is in the late hours at night and early hours in the morning (7am and earlier) Amex server seems to be down a lot. This means that you can't transfer funds from your Reserve account to your Balance. If you have all of your money in your balance then this will not affect you because you can still make purchases with the card.

How to Load American Express Serve

  • At Retailers - The Serve card can be reloaded at most reload locations (CVS, Rite Aid, Walgreens, 7-Eleven etc) by simply bringing your card to the cashier and telling them the amount you would like to load onto the card. Despite some misconceptions out there on the internet, you cannot load an American Express Serve card with a MoneyPak.
  • ACH Transfer - Cardholders can link another prepaid or debit card within their Serve account. The great thing about this method its incredibly fast. The second debit/prepaid card can be linked within minutes and when you initiate the transfer the money is added instantly. There is a limit of $200 per day for this type of transaction and you can only add $1,000 per month.
  • Add Money By Check - Cardholders can add money to their Serve card by using the Serve mobile app and snapping a picture of their check.
  • Direct Deposit - The most convenient way to add money to the Serve card is through direct deposit. Cardholders can setup direct deposit with their employer once and have their paycheck funded directly to their Serve card.

How Long Does Direct Deposit Take With American Express Serve?

When you setup a direct deposit payment with American Express Serve, you will usually get your funds within 2 days before the payment is suppose to arrive. As far as exact time, I've noticed the payments usually arrive between 1pm - 5pm but the time of the deposit may be different for each Individual and its never the same time every time.

American Express Serve Fees

American Express Serve fees are terrible but they aren't noteworthy either. There's a $6.95 monthly fee that can be waived if the cardholder loads $500 or month per month. There are other prepaid cards that require a load amount of $1,000 in order to waive the fee so the Serve card is very generation in that respect. People who live in New York, Texas or Vermont will benefit the most because there is "no monthly fee" for users living in these 3 states. even though there is not suppose to be a fee in these states American Express Serve still charges a $1 monthly fee, we never challenged it because it's only one dollar and we load our card with more than $500 per month. Their ATM withdrawal fee is up to pare with most other reloadable cards which charges a fee of $2.50. All-in-all their fees are fair but the big plus is living in one of the 3 states as we mentioned.

American Express Serve Fees

Does the American Express Serve Card Report to Credit Bureaus?

No, the American Express Serve card does not report your card activity to any of the top 3 credit bureaus. Remember Amex Serve card is a reloadable prepaid card and not a secured credit card or credit card. If you are looking to build your credit score, I highly recommend using Chime Credit Builder.

Can I Use Zelle With American Express Serve?

No, you cannot use the American Express Serve card with Zelle. Serve is a reloadable prepaid card and not a debit card therefore Zelle does not allow the Serve card to be used on their app. There is no work around we are aware of at this point. If you plan on using Zelle you will have to get a standard bank account or an online bank account which comes with a debit card.

Can You Get Cashback With American Express Serve?

There is no cash back with the blue colored American Express Serve card. However, American Express also created a card which specifically focuses on cash back, its called the "American Express Serve Cash Back" card. Scroll down to the bottom of this page to learn more.

Amex Serve Card Experience

Amex Serve Card

I've had the American Express Serve prepaid card (the blue card) for almost 3 years now and it's the prepaid card that I've actively used most. Below I will be discussing my experience with this card in detail including what I like about it, issues that I've encountered over the 3 years, and cons of the prepaid card.

Monthly Fees - The monthly fees have never been an issue for me. It was sort of a shock to me that the Serve card has a monthly fee of $6.95. I have more than $500 direct deposited onto the card so my monthly fee is always waived. However, there's another benefit for those living in New York City. If you live in New York, like me, the monthly fee is actually only $1 even without the direct deposit. NY cardholders and several other states are exempt from paying the $6.95 monthly fee.

Transaction fees - The Serve card comes with very little fees to begin with. I rarely use my Amex Serve card in stores because Im more of a shopping-online kind of person. However, if you decide to use your card in-store there are no transaction fees (this includes pin or signature purchases).

ATM fees - In the beginning, like most of you, I wasn't aware I was being charged to withdraw money from my card at the ATM. The ATM fee is $2.50 on top of the regular ATM charge which is usually around $2.50 (some charge as high as $3.00). I was withdrawing cash often early on without realizing that I was being charged $5.00 for every withdrawal.

This is a fee that could cost you a significant amount if you use the ATM often. During my 3rd year with the prepaid card I used the ATM less frequently, maybe once a month if that. You should never be charged an ATM decline fee, simply because you can use the Serve mobile app to check your balance for free before attempting to withdraw money from your card.

Tip💡: When and if you need to withdraw money from the ATM withdraw enough cash so you won't have to take out cash again at least for the month. Some purchases you absolutely have to have cash but for most purchases you can just swipe your card and pay fee free, saving you money.

American Express Serve Cons - The only thing I view as a con about the Serve card is that American Express isn't as accepted as Mastercard or Visa. This means you may have to have a second prepaid debit card with the Mastercard/Visa logo or pay with cash. Paying with cash means you have to go to the ATM and be charged $5 fee on top of whatever your purchase cost.

There are many negative reviews online from cardholders especially recently about their accounts being suspended and being locked out. One cardholder noticed that large direct deposits over $1,000 seems to trigger a fraud feature within the Serve card where users are locked out almost immediately.

I personally haven't had a problem accessing my money and over the course of 3 years I've had direct deposits up to $4,500. I may have avoided being locked out because the company providing the direct deposit is a large corporation. Cardholders experience may reflect my own or it may resemble those who have had issues.


American Express Serve Overall Review

Amex Serve Card

ATM Decline

Once I was attempting to use the ATM and my card was declined even though I had cash in the balance. I called customer service and they answered my call immediately, were very supportive, and walked me through the issue. The issue was that Amex couldn't retrieve the $2.50 charge from the withdrawal so all I had to do was add $2-$3 more to my balance. Problem solved.

There are ATMs where I cannot withdraw money from specifically bank branded ATMs such as Chase or Bank of America. So I quit attempting to withdraw money from those ATM to save myself the embarrassment.

Online Transaction Decline

This is an issue I still haven't figured out yet. When the Amex Serve card gets declined by a company such as Airbnb because they couldn't verify the request a strange thing happens...all regular transactions start getting declined.

Transactions that I have been making regularly will receive a "Declined" message but the payment will actually go through. It's a little annoying and I still get my purchase but I can't figure out why this happen. Im sure its a technical issue or something involving the merchants fraudulent purchase check. This has happened 3 times over the course of 3 years.


All in all I love 💙 this American Express prepaid card. Its low on fees and the ATM fees can be avoided. I've encountered very little technical issues and have not had any problems accessing my money. Because American Express isn't accepted at as many stores as Mastercard/Visa and my encounter with some online declined transactions issue, I would recommend having a second prepaid card that's either a Mastercard or Visa as a backup.

More  American Express Reloadable Cards

 American Express Serve Free Reloads

American Express Serve® FREE Reloads

American Express Serve® Free Reload prepaid card charges $4.95 per month. One of the greatest benefits of this Serve card is that your reload is completely free. If you are a frequent “reloader” then the American Express Serve® Free Reloads card is definitely for you. Here are a few other beneficial information regarding American Express Serve® Free Reloads prepaid card:

  • No Hidden Fees
  • No Credit Check
  • No Minimum Balance
  • Free register online
  • Free direct deposit
  • Free Cash Reloads at 45,000 locations (find reload locations)
  • Free Online Bill pay

Learn More

American Express Serve Cash back Card 

American Express Serve® Cash Back

American Express Serve® Cash Back prepaid card charges $5.95 per month. The reload charge is $3.95 (same as the American Express Serve Prepaid Card) however, it varies by retailers. The major benefit with the American Express Serve® Cash Back card is that you get 1% cashback into your account when shopping at millions of locations.

 Here are a few other beneficial information regarding American Express Serve® Cash back prepaid card:

  • No Hidden Fees
  • No Credit Check
  • No Minimum Balance
  • Free register online
  • Free direct deposit
  • Unlimited 1% Cash back
  • Free Online Bill pay
  • Fraud protection

Learn More

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