Serve American Express Reviews

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About Serve American Express

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

Serve American Express offers a prepaid debit card service. Users can manage funds through direct deposit, mobile check capture and online bill pay. The service also provides cash reloads at thousands of locations and no hidden fees.

Pros
  • Timely posting of payments and refunds
  • Easy to use
  • No monthly fees for usage
Cons
  • Customer service can be unhelpful
  • Limited acceptance at some merchants
  • Issues with account access and security

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Serve American Express Reviews

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    How do I know I can trust these reviews about Serve American Express?
    • 4,675,583 reviews on ConsumerAffairs are verified.
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    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 10

    Reviewed June 12, 2025

    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.

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    Reviewed May 1, 2025

    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.

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      Customer Service

      Reviewed April 28, 2025

      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.

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      Reviewed April 20, 2025

      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.

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      Customer ServiceSales & MarketingPrice

      Reviewed April 2, 2025

      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!!

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      Customer ServiceStaff

      Reviewed March 25, 2025

      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 called numerous times to verify they received it and to make sure they didn’t need anything else from me, they confirmed I didn’t need to send in anything else and that the dispute team just needed time to review it. I kid you not I called a Sunday to verify again and was told they had everything and I should get the money the next day which would have been the 10th business day. The next day rolls around and I received a email saying I didn’t provide the correct information and my claim is denied! I called back in just to be told I have to wait 10 business days before I am able to raise the dispute again! You have to be kidding me! It’s over $1000 dollars and they refuse to do anything else until the 10 business days are up! So not only was I charged a ridiculous amount to do my taxes almost 1000.00 now they have straight up stole another 1000.00! What a rip off and terrible company to do business with!

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      Customer ServiceOnline & AppStaff

      Reviewed March 14, 2025

      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.

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      Staff

      Reviewed March 6, 2025

      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.

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      Customer Service

      Reviewed March 4, 2025

      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.

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      Reviewed March 3, 2025

      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.

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      Serve American Express author review by Tammy Burns

      American Express Serve offers three prepaid debit card options. Cards are free to register and allow ATM withdrawals at more than 24,000 MoneyPass ATM locations around the nation.

      • Prepaid cards: American Express offers Serve, Serve Free Reloads and Serve Cash Back prepaid debit cards.

      • Pricing and fees: American Express Serve cards cost up to $3.95 to purchase in retail locations. Monthly fees for American Express Serve cards range from $0 to $7.95. A $2.50 fee is charged to withdraw cash from out-of-network ATMs. As long as consumers use one of the in-network MoneyPass ATMs, there is no fee. There’s no charge for card replacement for any reason.

      • Reload options: Direct deposit, mobile check deposit and adding funds from a bank account are all free.

      • Cash back: American Express Serve Cash Back earns unlimited 1% cash back on all purchases in store or online.

      • Free benefits: American Express benefits include purchase protection, fraud protection, travel protection and 24/7 customer service. There are no charges for online bill pay, sending and receiving money, setting aside money in reserves.

      by Tammy Burns Deputy Editor, Personal Finance

      A former finance phobe, Tammy now devotes her career to ensuring that people don’t make the same money mistakes she once did. Her work has appeared in Fortune, the Toronto Star, Advisor’s Edge, Greedy Rates, and Money Under 30. She joined ConsumerAffairs in 2023. Tammy studied magazine publishing at Toronto Metropolitan University and has a BA in psychology from York University, and her earlier journalism took her from editing law books to writing restaurant reviews to reporting live from the Eyjafjallajökull eruption in Iceland. A part-time digital nomad, Tammy calls Toronto home but has also lived in Chiang Mai, Prague, Glasgow and rural Crete.

      Serve American Express Company Information

      Company Name:
      Serve American Express
      Address:
      4315 S 2700 W
      City:
      Salt Lake City
      State/Province:
      UT
      Postal Code:
      84184-0440
      Country:
      United States
      Website:
      www.serve.com