Serve American Express Reviews

What a scam. Can't reload. Unable to get my money off the card. You can't speak to customer service from the US. Only in India! Now they have all my personal info. I need that removed from their account.

I wish I could give this prepaid card company zero stars. My money was stolen, and despite providing all the proof they asked for, they dragged their feet and I did all the leg work. Their “investigation” felt like a black hole — no transparency, no urgency, and certainly no resolution. Customer service was unhelpful and dismissive, repeating the same scripted responses instead of actually addressing my case. I trusted this card for security and convenience, due to it being a part of American Express but when I needed them most, they completely failed me. If you value your money and peace of mind, avoid this card at all costs. There are far better options out there that actually protect their customers. Wait for your refund to be deposited into your SAFE checking account.

I've been using Serve for years. Never had a problem until 2026. I've been trying to get my money off my account and it keeps saying that I'm changed my PIN number and I know I haven't and that my email is locked. Then I tried to call to change my email for them to tell me they needed my new number and for them to tell me my number is not registered in my name and me explaining to them what was wrong with my account and they still had me running back and forth to the ATM thinking I will be getting money off my account and didn't get nothing in it for them to say my pen is wrong or my card is locked. So this will be the last year I'll be using Jackson Hewitt and Serve.

This is by far textbook robbery using this card for anything. Do not use this card for your taxes. Use your bank account. No matter what the tax service tells you don’t use it. It’s not worth it. Not only does a ATM that is not a money pass charge you but anytime you use a ATM to pull out your own hard earned money, Serve American Express charges you four dollars a transaction when using an ATM…. I will never ever use the service again and I am extremely disappointed. I have lost over $350 in fees from having this when I have a perfectly fine bank account that my federal and state refund could’ve gone to. I will never use the service again and to any taxpayers in America, do not use this service. It is awful.

Don't use this card, first I was told I could use the card I got on same day from Jackson and Hewitt. Tried to enroll when I got home to find out I would have to wait a week for a new card because the one I received was just a sign up one. My payment came in as I waited for new card, a week later when new card was received found out it didn't have a chip or was compatible with any ATM I tried to use it with (went to all listed nearby). Then I tried to transfer money to my bank account, system said 2-4 business days. It took exactly 4 days.

The card itself when you have it works okay. They lock it if you use too much of your own money but customer service on the other hand is an absolute joke so my card expired in January of 2026. My address was updated 2 years ago. When they went to issue me a new card they canceled it and said my address could not be verified then on the 28th I got an email that my card was shipped on the 27th of January. It is now been 14 business days since my card was supposed to be shipped. I called to ask you know, "Hey why haven't I got my card? I'm supposed to get my taxes next week." They keep giving me the runaround, "Oh we can issue you a new card." Why. So I could be in the same exact spot I'm already in. So with that being said from what their phone line says they're closing down in June. Thank God I'm done with Serve.

Scam*** I put $20 on the card for my son and it took $10 for A monthly fee. I CANCELED THE CARD THE SAME DAY. This card is a told Scam. I paid the activation fee to activate and then they took another $10 for a monthly fee...I had the card for less then 24 hours and canceled it.

This prepaid card is garbage. Don't use them. It takes days to be able to access your funds. Didn't use them by choice when my taxes were filed. That's who the tax company used. You can't talk to a human person to get any answer.

For starters I would have to say this card company is one of the absolute worst cards I've ever used. It's been almost a year since having any money deposited into my account. No fees were taken out during that year of not using the card. Just went and filed with Jackson Hewitt not even 2 weeks ago. I had 2.22 in my account and haven't used the card even a month and they took what little I had left in my account for so called FEES..ALSO I had returned a faulty alternator from O'Reilly's and it's been 2 days and still no money but shows "pending". I called customer service and of course I was told to wait 5 business days as they cannot force the money through.

Scam. Monthly fees. Stole my money. I had no idea. Slowly drained my balance. I bought the card and used it and it was a scam. I filed a fraud claim and serve. Got it denied. Tried again and got it denied and I didn't get anything for my money that was spent on my serve card. I called and spoke to them and they were unable to help me. It is not about the money. It is about the principal. Help a client who is using your service. They closed my account and said they cannot help. I respect the way they spoke to me. Very kind and nice people. I just don't respect as a company how they could not honor the money and fraud claims.

This company has held my money hostage and then sent my card to a wrong address. After I repeatedly told them that was the wrong address the rep kept hanging up on and and submitted the wrong info. They stole 500.00 from my father and now they're trying to walk away with my 1000 pay check. I AM LOOKING INTO A LAWSUIT for the errors their rep caused.

I bought a Serve prepaid Visa card on July 13, 2024, and just found out they quietly drained the full balance through monthly fees without ever notifying me. I never used the card, and when I called back then to register it, the process was so confusing that I had to call customer service. They told me there was some kind of issue (which I no longer recall) and refused to register the card for me.

I called today 6/25/25 because my card was compromised and wanted to dispute a charge. I was told I needed to fill out paper work and send in documents in order to dispute per their investigation, could take 45days to complete which is fine they cancelled my card and and told I would not be able to use my my account as my card was cancelled for 45days. I have bills to pay before the 45days I asked if I could pull money out to use cards until my card arrived. They said I could try but my card was cancelled. I asked for a manager the rep told me no! I said why can’t I speak with a manager he said because they will tell me the same. I told him, "Well there has to be an option to access my money as I have direct deposit and will be to pay rent."

This is an actual scam, the card is unusable. I didn't put a large amount of money on my card but what I did put on there is lost because it can't be spent and there's no customer service to help me. Somebody needs to file a civil lawsuit on these people. Your company is garbage and I'm glad you're shutting down next year because you deserve it. A class action lawsuit needs to be filed.

Garbage card, do not buy, you won't be able to use it till who knows when, they are scammers and should go out of business. I put 80 dollars into this card to find out I couldn't use it at all, get something else.

I served in the city of Los Angeles, as a pollworker, I deposited my check with the city logo on it, they wouldn't or couldn't tell me if it had cleared until 2 weeks later I was told it was declined. I later found out AMEX SERVE rejected the very next morning after being deposited. I also was told that it had been cashed the next day, I can't do anything about it. They will not help me find my funds.

Absolutely HORRIBLE service and company, you'd think the point of buying a prepaid card is TO USE IT RIGHT AWAY, right? Nope! 2-5 DAY WAITING PERIOD. Absolutely abhorrent service that should be done away with ENTIRELY.

I would give this company a 0 because they can't punch in the right email address and keeping my money not giving it back and not very friendly and I advise not to get the card. My account is locked online and no new card yet.

I was scammed into loading my Tax refund onto the Serve Card By Jackson Hewitt with the promise of getting a refund Advanced loan that I never received, fast forward to receiving my tax DP and I realized my card had no security and and I could not withdraw funds from the m account until I received a permanent card, in which I should have already received as I set up my account when I received the prepaid card, I never received the card even after settings up 3 account I never received the Jackson Hewitt AMX card but 3 Serve Debit Card in a 3 week period, 3 days prior to recovering the permanent card the prepaid was stolen, it was prepaid so there was no pin for security. The person was able to swipe until all my funds were gone, They denied my dispute. Do Not use this Bank Card.

Complete scam! Didn’t have on packaging. They charge a $9.95 A MONTH charge! Now I can’t pay my car insurance!!! DON'T USE THEIR CARDS! Called customer service and they were laughing and acting rude on the phone. They transferred me to another “manager“ to say the same thing! It’s a SIN to steal!!

DO NOT and I repeat do not get this card! I used this card for a vacation rental and long story short the vacation rental was supposed to refund the money due to the issues I had at my cabin. I HAVE messages between me and the vacation rental stating they will be issuing a full refund. Of course they ended up only refunding a portion. I raised a dispute with American Express and provided the messages as well as the affidavit they requested the same day I filed the dispute!

I will NEVER use the card company again!!! Worst service and card never got mailed. I wait 10 days to call and request info about it and said that I didn’t use a certified address when I entered my information. However my information was entered by an employee. So they would send me a card expedite for $20 my charge and it will be here in 10 days. No access to my money until I receive a card in the mail. The app will not even let me move money out. Worst employee service experience. Not helpful at all.

If I could give one star I DEFINITELY WOULD. I haven’t used my card in three days and still can’t because now when I WANT to use it, I get a message saying I’m over my daily limit. Mind you I haven’t touched the physical card in 3 WHOLE DAYS. Nobody can help me at Serve because they don’t know. I’ve had this account for years and never have I ever been through anything like this. If you can’t trust your bank with your money it’s time to part ways. I’ll never use SERVE again.

Wish I never got a card with them. I can't even get my money. And can't get ahold of customer service directly no matter what I do. Would put 0🌟 if possible. I can't get the money at the authorized arms. I can't cash out at the authorized Walmart store. I linked my bank to it and can't even transfer to my bank. I am very upset and need my money because I can't work since I broke my back for at least 4-6 weeks.

I had fraud on my account over $130.00 and was told by them that the card looked fine. When I told them that I didn't authorize the charges they asked if I used it on a 3rd party site and told him yes but that isn't authorized for it to be used by others. Got transferred to fraud protection and was on hold for 30 minutes. If you use it keep it locked unless you are using the card. They do not care about the money that was stolen. Is not their problem.

Don't use this card. It is horrible all together. Just a bad way to go. You can't get ahold of anyone for customer service. It takes forever to transfer money out of your account. That's just the start. There's so much more.

My refund still not on my card 2 days after IRS released it. There is no way to get ahold of customer service. No matter what option you choose. You can not talk to an agent. Not even chat or email, nothing.

This is the worst card to get! It doesn't work they charge you to use your own money. You can't take withdraws. Customer service is hard to get. I was able to use Western Union once. I haven't been able to get money out since. I can't find an ATM that I can withdraw from. Don't use this card! This should be illegal.

Horrible! Do not use. Cash app or literally anything else is better. I have no access to my money aside from using cash back or some sort of pick up at a Walmart customer service desk. Terrible. I want my money tonight so I can get my license renewal done before deadline tomorrow. Thanks to this awful card, that will not be happening and as of tomorrow, I cannot drive myself to DMV. This card also doesn't work for online DMV transactions, at cookouts, or many many other places.

Worst Card ever. I wish I would have just got my refund through my regular bank at this point. Can't send my own sister money through Serve and she's a serve member. Also, can't send it through Walmart through their website and can't even add my card to my freaking Apple Pay smh. They're saying I can go to ATM like that's a fee and then the Walmart fee smh. Nor do they know how to help you. The customer service sucks. They hire people that talk like they hate their jobs and don't want to help. Hate them and will never use them or Jackson Hewitt again -0/10!! NEVER AGAIN. You have been warned not to trust your money with these people!

If I could give a 0, I would. This card has been a nightmare from day 1. Can't connect to my cash app or use online as it always says my CVV code is wrong. Can't use at the ATM. Can't use as debit so I can buy a money order to get my money. Customer service is absolutely horrible. They just tell you whatever to get you off the line and you can't understand a word they say anyway. Now they've never deposited my state refund and expect me to somehow get the routing and account number to the issuer.... THE FREAKING STATE OF INDIANA!

So, I bought this card at a DG and loaded it with 35.00. I then get everything unpackaged and do everything I am supposed to, to get it activated and set up for use. Oh, btw, they asked for old phone numbers from the 90s to verify security questions. SMH! Of course, can't remember them. Answered all of their set up questions and still was denied an account. After four calls to customer service, I am still unable to use the card. Every call ended with a different solution. I firmly believe this is a scam company since there are so many issues. The government needs to go through all of these raggedy prepaid places and shut them down. They are ripping us off and they aren't even American owned. Don't let the Visa logo and American Express logo fool you!

This is my 3rd time calling Serve through American Express. My card was being double charged for each transactions twice. I was told the amount was $306 originally that was on hold and then they said after the pending transaction went through they were able to confirm the amount that was being double charged which totaled out to $194. I was told the $194 will be refunded to my card within 3-8 days. I called a few days after to check the status and was told it hasn't reached 3-8 calendar days. Now it has been passed 3-8 calendar days and I still haven't received the refund to my card. The agent I spoke with today basically told me they don't see any double charges and the agent I originally spoke with didn't leave any notations.

The first card bought in-store needed registration which included basically creating a bank account full with social security and answering sensitive questions dug up about past addresses linked to my social. From there I got an alert that the card could not be added to my new account. Called customer service and was told I could use the card bought in-store until it depleted but I could no longer reload it and that I would receive a new card in the mail.

I called over 3 times for them to fix this glaring issue which they should've been able to fix over the computer. If they can see the issues. The issue was that I couldn't use my card since 1/28/25. One person said that I should take out 40 dollars and it would fix the problem. I did that. Did not fix the problem. The second person, says that my account was restricted. And within the next hour, I should be able to use my card. I asked that I should be able to use the card. They said yeah, no problem. Okay, within an hour I cannot use my card whatsoever.

Serve card is the worst! Customer service has to be the most UNHELPFUL set of guys I have ever talk to. I called 5 times, with no one being able to help, reading the screen to talk to me, rude, didn’t solve anything I needed, couldn’t change my number on my account, couldn’t change my number, absolutely no help. Then on the 6th time I called they left me on hold hoping I would hang up, saying, "I can’t help you." This is the worst card directly because of their customer service.

After beginning a new relationship and being sold on the whole AmEx Serve card by my partner, I began using it. Used it for several years. Never really had an issue that I had noticed other than being annoyed by the countless fees for everything from ATM withdrawals or even balance checks. Would be annoyed but never complained to them about it. I had signed up for Planet Fitness awhile back and as luck would have it, broke my leg and needed multiple surgeries. No exaggeration, 13 surgeries. After a year of not being able to go to the gym, but paying the membership dues and annual fee of $99 for equipment maintenance, I canceled my membership. To do so, I had to get a doctor's note stating I was unable to use the equipment and that it would be unhealthy for me to workout. My surgeon signed the note but wrote in his disagreement that the gym would require such an absurd documented statement to be signed.

I was offered this card through Jackson Hewitt to receive my income tax return and everything was great till my phone company made 6 transactions to my debit card.. The phone company never charged my card and the transactions never went through however the Serve card put a hold on my money and still has not released my money and it’s been 5 days now.. When I call to make a complaint about putting a hold on my money I am told there is no one to make a complaint to and that I will have to wait 8 days for my money to be released back onto my card even though my card was never charged.. I will never use this card again..

I’ve had this card for about 7 years as a card that is not connected to my bank debit cards. Until now, I have not had any problems disputing transactions. However, everything is overseas now. My dispute was closed and I submitted evidence that I had canceled a subscription back in August. They paid the transaction in November.. I want my $49 returned because it should not have been paid.

I received this card for my birthday in June thinking it was a “Gift Card”. It’s not!! After activation, and a service charge of $9.95, they take out this same service charge every month. Now my balance is $0.25, and they told me they will continue to charge me the service charge until I close the account. The account can’t be closed until there is a zero balance so they suggest I reload the card (which is another service fee of $3.95) to get the balance where I can use all the funds. This is a total fraud!! I do not believe this is an American Express card. This company is not even in the United States, it’s in a different country. If you have friends or family members that give gift cards, please please let them know not to get this card. The recipient automatically loses $9.95 just by activating it. It's the worst card out there!!