Serve American Express Reviews

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About Serve American Express

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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?
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    Page 1 Reviews 0 - 10
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    Customer ServiceRefunds & Payouts

    Reviewed March 17, 2026

    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.

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    PriceRefunds & PayoutsValue

    Reviewed Feb. 25, 2026

    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.

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      Customer ServicePricePunctuality & SpeedStaffBillingTimelinessValue

      Reviewed Feb. 24, 2026

      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.

      When second payment came in I just transferred it over to my bank account on a Wednesday, on the 4th business day I checked my bank account to see if money has been deposited and it was not. When I called the Serve customer service I was told on a Wednesday when money is transferred it takes five business days which does not say on their system. Customer service is unhelpful. This card is not worth it. I would have rather waited on my money was deposited directly into my bank account which I should have done but the Jackson Hewitt representative talked me to using the serve card. Not worth it. I wish I can give it zero Stars.

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      Customer ServiceTransparency

      Reviewed Feb. 13, 2026

      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.

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      Sales & MarketingTimeliness

      Reviewed Feb. 6, 2026

      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.

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      Punctuality & Speed

      Reviewed Feb. 4, 2026

      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.

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      Customer ServicePunctuality & SpeedStaffRates

      Reviewed Jan. 27, 2026

      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.

      After my funds being deposited this time this year I will no longer be using this card for any deposits, etc.... They steal and hold your money for interest. Companies this day and time are all doing this. They know people are at their mercy and they take advantage of people and their money. I cannot wait until the day comes when all these companies get what's coming to them and they have to file bankruptcy and their team of employees all have to get a small taste of what others have went through with stealing. Shame on every one of them.

      If you're reading this and you also work for a company that does this you are also a big problem and shame on y'all as well. Enough is enough. People work hard for their money. Regardless if it's 1.00 or 2.00.... Take their money a million times that's what? A million dollars of people's money that they worked for, not the company.... or the people working for them. This day and time has gotten terrible and people sit there and wonder why everybody is so mean and evil .... Companies like SERVE are a prime example why they are angry all the time! Facts. People need to do better. Companies need to do better. It's simple. QUIT STEALING PEOPLE'S HARD EARNED MONEY FOR YOUR BENEFIT.

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      Customer ServiceSales & MarketingStaff

      Reviewed Dec. 2, 2025

      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.

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      Customer ServiceStaff

      Reviewed Aug. 30, 2025

      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.

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      Customer ServicePricePunctuality & SpeedStaffTransparency

      Reviewed July 29, 2025

      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.

      Now, a year later, the money is gone—and the explanations I’ve gotten from Serve have been wildly inconsistent. First, they told me that monthly fees only apply if the card is registered. But then they told me the card was never registered. When I asked how they could charge fees on an unregistered card, they said the card was automatically considered registered at the time of purchase, which made it eligible for fees. Then they said they charged a $9.95 fee once in July 2024 and didn’t charge again until April 2025—and somehow continued draining the balance after that. None of this was communicated clearly or consistently.

      Yes, the packaging mentioned a monthly fee—but only in small, easy-to-miss fine print on the back. There was no clear warning that this card would essentially self-destruct through fees if left unused, nor any effort to notify me by email or otherwise that my balance was being eaten away. This card feels like a trap. I never used it, tried to register it and was denied, and they still took every dollar. I strongly advise avoiding Serve. There are better, more transparent prepaid card options out there.

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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