American Express Serve

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Consumer Complaints and Reviews

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Satisfaction Rating

Someone hacked my account for 1500 bucks and first time I called I was assured I would have it back by yesterday. Nothing. I call today and have to go through a lot of questions then today they CREDIT one of the thieves with my money. Now I have to wait 10 business days which is the 20th. How do they expect me to pay my bills??? I am so upset and a nervous wreck!! I Did Not Verify Any Of This. Look at my record from 2014 since I have been a customer. I have never added over $50.

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I reported several charges on my account that were not mine. I live on the East Coast and there were several charges from Walmart, itunes and a restaurant in California and Nevada. I called to report the claim and was told that the charges would be covered and I would receive my money back. Within 48 hours I received an email stating my claim was denied and I had to write corporate in order to find out why. Luckily I had printed a report of all the transactions while I was on the phone with the representative because when I tried to access my account to see if there was a phone number for corporate I had been locked out of my account!!!

I wrote the corporate office to get a report on what basis they were able to decide to keep my money and I never received anything! I tried calling the number back and you get a bunch of uninformed customer service representatives. The "Supervisor" Alvin even told me that it was my responsibility to get my money back from the merchant!! I tried to re-explain to him that I live on the other side of the US and just like I didn't jump on a plane to go to Walmart when I have one 10 mins down the road, I cannot jump on a plane to dispute this with the merchants. I told him that the card is covered by insurance that it is the responsibility of the card provider to properly dispute and return the money to consumers when there is fraud. He disagreed. I will continue to fight to get my money back and American Express should be ashamed that they are providing such terrible service to consumers.

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When looking at the issues people are having with AMEX and the apparent lack of response or just plain fraud by their customer service is shocking. I have been an AMEX cardholder for years and have excellent credit and until recently have had nothing for praise and respect for the brand. So rather than relate the recent very bad customer service I have received like being ignored and lied to I would like to offer you a solution that I have used in similar situations that actually works. Companies like Bank of America and AT&T.

All states have a small claims court and process. You can find out the process for your state by doing a search online. The process is simple and not expensive. In the state I am familiar with you can file for up to $5000 (and I do suggest you go for the max and let the Judge decide the award). You simply fill out a document and describe why you think that AMEX owes you money and costs (and possibly damages). It costs a small amount of money to file it with your local court ($35 or so) and then you send it via registered mail to the company registrar that you can also find online (this is where they must receive this sort of document). Again in the state that I know best they cannot be represented by a lawyer (in some states they can be) but in any case you DO NOT need a lawyer.

You simply are given a chance to present your case and evidence to the Judge and he/she will make a decision on the case. Make sure that you are factual and have documentation of your claim/s! And definitely be honest with the Judge in your answers. However, you may not even have to go to court as you very likely will get a call from an Attorney representing them offering to settle the case. If you can get a fair and reasonable settlement then by all means do it. HOWEVER I usually want to take it to court so that the verdict is on the record for anyone to see how you were treated by the company. The small claims system is a great leveler of the playing field and certainly get their attention! Letters to the CEO and others just do not get any attention or respect sadly. I hope that this is helpful and will give you a way to get your message to the company in a positive way.

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I got a gift card from my daughter Serve/ American Express. After several months I wanted to use the credit card for the first time but the balance was "0". I was not aware of the monthly charge of $5.95. I called to find out why do they charge such amount. Their response was due to "maintenance on the account". I find it disgusting the way they rob without any logical explanation.

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First off I'd like to say I'd give them a zero star rating if I could. Bought a ticket from Greyhound for 147 dollars and person that was going to come visit me had an emergency and couldn't come and let me know just hours after I paid for ticket online. Called Greyhound and explained situation and guy was rude but eventually agreed to refund my money and hung up on me so no further documentation or emails followed. Couple weeks later went looking for my money on serve card and it's nowhere on there so filed dispute and it's been two months. I'm on second dispute and they keep telling me they need additional documentation which I don't have so guess Greyhound wins since they need the money much more than I do. Tried reaching dispute Department and they won't let you speak to them. Crappy service from a card carrying American Express on it. Get a different card. Take my advice.

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I have had SERVE for over 2 years. I use it to avoid using my bank/credit cards to avoid the possibility of them getting compromised. I had two charges show up on the card and I immediately called AMEX regarding the charges. I live in Miami and the charges were in California. I was told that they would immediately replace the card, and that I would need to call back once the charges had posted to the account since they were in a HOLD.

I called back two days later and each time I put in my card number, the system would reset and ask that I call back later. After several attempts, I was able to get someone on the phone and explained the situation. I was then informed that the quickest way to resolve the situation was to contact the merchants where the card was used in California and ask them for a refund. When I said that did not make sense, they placed me on hold and never returned to the phone. I have made several attempts at contacting them but cannot get through their system. It is a minuscule amount ($100) but it is the principle behind it. After reading some of the other postings here, it seems that is their standard practice.

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Wanted to go to a prepaid card because I don't like using my bank card. Even had my employer set up direct deposit on it to get paid a few days earlier. Everything had been going great for months. Was able to go to atms, withdraw money out and go on about my day. Last Wed Dec 8th I tried to withdraw 620.00 dollars out and nothing comes out. Says transaction was cancelled and machine is currently out of order so I am like ok, go to a ATM down the street try and pull money out.

They say I have exceeded my limit so I am like 600 plus may be too much so I tried again with 400 and got the same message. So I said "let me see what's going on"...logged into my account and lo and behold it was a -620.00 out my account. So I go back to the first ATM and the ATM machine is not out of order anymore so I am like WTF is going on. Call the Serve card, told them what happen, they tell me to go into the bank in the morning and I filed a dispute on the phone that night.

They sent me a email with more information they needed so I filled that out the next morning and fax it over. Went into the bank after that and told them what happen and they tell me my bank who the card with have to file a claim & I am like "it's your damn ATM you have cameras you can't count the damn machine or view the cameras. This ridiculous. I went in 3 hours late to hear this. So I call the Serve card again and told them what just happen and they reassured me that it will be handle. Here it is Dec 12, done call 7 times since then and all they can tell me is the 21st is when the people will email with something or with a provision credit until they finish investigating. I SAID I WANT MY DAMN 620.00 not a provisional credit.

I asked them why is it no direct number to the people investigating my matter and why haven't they been in touch with me or speak to me. I shouldn't have to wait all this time to get my money back to me or for you all to investigate and I should have a direct number to those people. I shouldn't have to wait till 21st. So me I want to Google dispute with Serve and why I do that I hear about people accounts being closed, them losing money and that's just pisses me off more so I call them back and I tell them if I don't get my 620.00 I am getting a lawyer and I am suing them and that bank machine who didn't disburse my cash because I told the reps I read the reviews and all.

Haven't help anyone fix their issue from what I am reading and I am now going thru that. So to anyone who wants to get a prepaid card just to be more safer please don't just use your bank you bank with because these prepaid people seem to be just ripping hard working people off and we can't do anything about it. AMERICAN EXPRESS IS A BRAND NAME & they should read this reviews and take care of their people even if they let a sister company use their name. They should have. Their business live by the same standards. American Express do. It's no damn reason people should be going thru this non sense and their issues not being resolved and people accounts just being closed.

It's enough people with complaints that this company should be investigated because it's ridiculous. But DO NOT USE THIS PRODUCT BECAUSE IT COULD HAPPEN TO YOU and you don't want to experience what others are going thru or is going thru right now. We entrust these people with our money and if something bad happens we should have direct contact with a person who is handling the case and we should be spoken or given updates daily and they shouldn't be able to just hold off till they feel it's right and then send you a email with the conclusion. I wish I had read these reviews before I went with this card because I would have never sign up for it. PLEASE BEWARE PEOPLE BECAUSE MY ISSUES HASN'T BEEN RESOLVED. JUST THE BS RUNAROUNDS IS A SLAP IN THE FACE.

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Yes, they have free loading and yes, POS purchases are free but cash back isn't allowed so that they can charge you an outrageous $2.50 plus the ATM you are using charges you. So, you're paying about $4.00 - $4.50 every time you need cash. They are supposed to have a Free ATM network, but it's pretty non-existent and if you are lucky enough to find one, it doesn't work. Your money also isn't protected from fraudulent merchants. I placed an order and was promised a refund from the merchant. After a few days I contacted AMEX and they told me to reach out to merchant again, they probably forgot and to check again in a week. I checked back a week later and was told they would continue with dispute but to call back in a month. A month later, they denied my dispute saying that since Pizza Hut didn't return to pick up incorrect order, I am responsible and they refused to give my money back. Needless to say, I no longer use their service.

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My employer send my check. Direct deposit. Gave me a trace number, read my account and routing numbers... and the exact amount. American Express Serve said they did not receive it and nothing they can do!! I'm out my entire check of two weeks plus holiday pay!!!

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I called Amex Serve to put in a dispute after going to an ATM machine to take $20 out my account. It said transaction error so I tried a couple more times, I got the same message. So I got my receipts and tried at a different ATM machine and I successfully got my $20. Later that day I looked on my account and noticed that the money was taken out my account the first 3x I tried and didn't dispense the money. So I called Amex customer service to put in the dispute. The next day they credited my account of the money the ATM didn't dispense to me and the following day I get an email stating that my account was closed for a violation on the terms and agreement. I called them to see what was going on with my account and they had no answers. They are horrible. So now they have my money in that account and I have no access.

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I've had the Serve card for almost a year and have never had a problem. The only downside is it's not accepted at a few of the places I frequent, so I pay cash. There are never any fees, as long as you use the listed locations for reloads and withdrawals. I have direct deposit, which is great! I also love the mobile app and they're always up to date on emails and alerts. Overall, I've been very pleased with the Serve card.

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Rushing to complete a paper due I used my card at the FedEx print shop. I inadvertently left it in the card reader. Someone picked it up and helped themselves to my money. It was two days later that I went looking for it and realized it was gone. I checked my account and there was hundreds of dollars' worth of transactions that I did not make. I immediately contacted AES and reported this. They said a "complete investigation" would be done, however in less than 24 hours I got two emails; one stating that the charges were valid, the other that my account was closed due to a violation of their terms and conditions. Panicking, I called into their HORRIBLE customer service (overseas) and was told there was no one I could speak with and nothing more I could do. After begging the rep and supervisor for ANY type of suggestion they provided me an address to write to.

I wrote a letter detailing the situation and itemizing the charges that I did not make. About a month later I received a form letter telling me that "this may not be the answer I was looking for" but that there was nothing they could do. I also received a check for $2.50! This happened in September and I am coming to terms with the fact that someone has stolen from me and AES is %100 ok with that. I recommend the Simple.com card, I get alerts with every transaction and they have excellent customer service. I bought me a $400 lesson from AES to never, ever do business with them again.:(

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I don't get checking accounts with banks because they over charge me which is why I stick to prepaid accounts. I have had multiple prepaid accounts so by experience this is my favorite card to use. Their customer service is excellent, I don't have any complaints. The only downside of using American Express is that not so many merchants accept it, which is a bummer. Other than that I'm very happy with my American Express Serve Account.

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I conducted research on this card along with several prepaid cards as a trial for our unbanked employees to receive direct deposit. My direct deposit was rejected by American Express and never returned to my employer's banking account. I was told by American Express the account has a block due to suspicious activity. When I asked for specific information pertaining to the activity none was provided. This company is not an FDIC insured bank, they are a holding company that is able to steal consumers' money and get away with it because the consumers deposits are not insured or protected.

Please beware of this scam. Just know that once you make the deposit you will never be able to spend it because it will never post to your account. American Express serve customer service rep also stated the deposit protection we have only works if the deposit post my trail deposit never posted to my account which means the consumer cannot file a claim for a refund.

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My Wife's Serve Card was lost - so on October 6th I called the 800 Number, requested a Replacement, and told to wait seven to ten days. After ten days I called Customer Service - on a daily basis - as the Card never arrived. I was told: 1) That their Card Printing System was down in September, which affected Card Printing, 2) That their Card Printing System was down in October, which affected Card Printing, 3) That the Post Office had not verified my Street Address, 4) That Credit Cards are only delivered on Thursday, for Security Reasons, and 5) That seven to days is just an estimate, and that it could take six weeks.

Sadly, because the Customer Service Department is NOT in the U.S., there is no way for the Call Center to communicate with the Card Center, so there is no way of knowing if the Replacement Card Order was actually processed, if the Card Center actually made the new Card, or if the Replacement Card was actually sent. Customer Service - even Supervisors - have no answers, no suggestions, and no way to resolve the issue. Given the vast number of Complaints I've seen, I am surprised Am Ex would even continue their relationship. Truly poor.

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I lost my Serve card one night. I looked for it for about 2 days when I realized it wasn't in my possession anymore. I looked online and saw that it was being used and they had used 106 dollars of my money. I transferred the remaining balance to my mother's card because I knew once I called they would deactivate the card. So I called in to let them know what was going on. They said they would do a investigation and it would take up to 45 days. I agreed and called every week to see what the update was. They said it was still being investigated so I waited.

On the 45th day I received a email that stated my account was closed. I didn't understand what was going so I called them and they gave me a BS story about how I broke the rules. When I asked what rule they couldn't tell me. So now I'm out of my 106 and I won't be able to open a next account even though I would definitely not open a another account nor would I suggest anyone one. It was such a disappointment that they couldn't fix my account.

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I made a dispute about three airline tickets purchased with my Serve account, they claim they investigated the purchase and found they were valid and authorized. I DID NOT MAKE THOSE PURCHASES. They did ask if the card was lost or stolen, and I said "no, it wasn't". To add insult to injury, they also locked the account and said it would be unlikely for them to approve another account. Instead of explaining exactly why the account was locked, they just threw an error code at me from their onerous online agreement. It wasn't until I talked to someone on the phone that they hinted that the lock was because of the dispute.

In other words, you complained too many times, so get out. They are mailing me a check for what was left but I'm out $700 for no reason at all. I stated that my information must have been hacked and intercepted somehow and I gave them valid reasons why I wouldn't even bother buying any airline tickets now (heel injury, documented by my podiatrist) and I said my account had obviously been hacked, but they wouldn't hear of it. They mentioned some nonsense that the fraudulent transactions were 'manually entered' so it could not have been anyone else but me.

When I asked, "Where did those tickets go?" they just gave me an address to write to, which is extremely insulting in this day and age of email. This is the first and obviously last time I will ever use American Express Serve. They advertise Fraud Protection on their ads and web page but in my opinion this protection is very poor. Their fraud department is likely overworked, as I did have one dispute before this and it was processed correctly. It was easier just to cut me off and let me go.

I have to admit their TV commercials were cutesy and portrayed a friendly company willing to stand behind you. In reality they are just greedy nimrods who just want to hold your money and give you minimum effort for benefits. If you ever come across some extra money, or get a nice refund somewhere along the line, put it in a REAL bank that has a REAL fraud department. Avoid American Express Serve like it was covered in open sores and multi-legged vermin. Serve only Serves their own pockets. They sure as hell don't like Serving you.

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They have poor customer service. I submitted a claim for a charge that was not my own but someone had compromised my account to pay their bill and I was penalized and had my account shut down because I knew of the merchant but did not use them with my account with serve.

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On 09/12/2016 was trying to make a deposit on another account and my money was put on the wrong account. The transaction was cancelled by the other company the same day. I called American Express Serve on 09/15/2016 and the rep told me that it would take 3-5 business days for the money to be returned to the card and now today I was told that it would be 8 days. I just got out of the hospital and my blood is septic and I have a antibiotic that I have to have because I have poison in my blood. I can't wait 8 days for the money to be returned. I need help now before I get sick again. Somebody please help me. These people are liars and this card is a scam.

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American Express allowed CheapOair merchant to force a payment where there were no funds available to do so and put a negative balance on an account and the card is prepaid! They're holding $500 of which was for my rent and they want me to wait 10 days while they dispute with CheapOair. Neither party is assuming responsibility and no one from American Express is being helpful. CheapOair is stating American Express is the one who charged the account twice for $895.00 and they allowed the merchant to do so with no available funds in the account and they put the account in negative $397. I need help. This is not right and it's fraud!

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I attempted to make a withdrawal from my Serve account at the ATM. The transaction was declined, the receipt read "declined host error". I attempted several times to complete this transaction, each time with the same results. Finally, on the 5th try the transaction was approved and cash was dispensed. Unbeknownst to me, the funds plus, fees were being deducted although no cash was dispensed. I called customer service after I discovered the error. I was informed that I would receive an email with a dispute form attached. I was to complete the form and return it within 10 business days. To my surprise, my account was closed two days later. I was informed of the action by email and no reason was given. When I tried to download and submit the dispute form I was unable to do so. However, I responded in writing via email to their supposedly secure site.

It would not allow me to upload the receipts for the disputed transactions. I stated I would fax the documentation. The next day I received an email stating cash was dispensed. They made a determination on the merits of the claim before all documentation was submitted. Basically, they took my money and said "oh well". There is no phone number for customer relations, the dept. that initiated these actions and customer service is no help. They keep shifting the blame to customer relations.

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I am having a very bad experience with the American Express VIP ONE card. I attempted to withdraw some money from my local ATM, this was on April 29,2016. As I said I attempted to withdraw $200.00 from the ATM and the ATM only dispensed me $100.00. Since then I have been going round and round with American Express ever since. I filed a dispute with them as they instructed me to do. They gave me a provisional $100.00 while they investigated the matter. Needless to say they closed my cases on June 10, 2016 in favor of them. On June 13, 2016 the ATM company Allpoint sent documentation that I was shorted at the ATM on April 29, 2016. American Express then took back the provisional $100.00 which left my card - $100.00. Came the time for my monthly check to be deposited I was short and had to live without going to the grocery store for the month.

Then they turned around when I told them that I was calling the Attorney General's office on them. They gave me another provisional $100.00, and now they are taking it back again. Because they are still trying to say that I received the whole $200.00. Now I want them to make this make sense to me. I'm on a fixed income why would I lied about something like that when I know that will take the money back.

I am no longer going to use the card anymore. I went and got my checking account back with PNC because I can't afford or nor do I wish to live without my money again while they try to get it together. I am still filing the complaint with the Attorney General's office, because I don't think anyone should have to go thru this just to get their own money back. And I am going to tell anyone I cannot to deal with the VIP One Card or American Express. Life is too short to be dealing with things like that. The commercial make it seem like your life will be so much better with their card, NOT.

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Fraudulent transactions - I have been in contact with these people I don't know how many times... and I still don't have my money back after waiting for their stupid review which on their end it wasn't fraudulent. So they closed my account but it indeed was so the company sent my money back to AES but by this time they closed my account like I did something wrong. Asking to speak to a supervisor is completely useless and I still have to wait to get my money back even though I did nothing wrong. This card and this company is a joke. I'm so frustrated. All I wanted was my money back that should have never been touched in the first place!!!

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I have been a Serve member for almost three years. The other day they lock me out my account with no explanation. They tell me I was in violation of one of their terms. I tell them "this is not true, please show me your evidence." They then say "that is not important, the only thing that matter is our decision to close your account." They have stolen over 500 dollars from me. I will do anything to get some justice from these low forms of life.

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I noticed 2 fraudulent transactions on my husband's account that were made one right after the other. I immediately notified AES. They explained that they can't do anything until the two transactions have actually cleared. Then we would have to wait for AES to investigate the transactions (they admit were fraudulent) to determine if they are in fact fraudulent. Then we would have to wait 10 to 15 days to get our hard earned money back. After requesting to speak with a supervisor, we were put on hold for over an hour and a half, only to be connected to another associate. They had no real supervisor available. I'm shocked that this account is in any way affiliated with American Express. Unfortunately, because of the way my husband's account was mishandled, I will be closing my account as well as my son's account. They have no protocol for determining fraudulent transactions and when they are immediately brought to their attention, nothing is done.

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Over a year ago, I was asked by a Starbuck's location to use my phone/scanning to receive a $5 coupon. What they failed to mention was that the transaction is facilitated through American Express Serve. I have for over one (1) year been trying to delete this account w/ AES unsuccessfully. I do not have an American Express Card or account of any kind, never applied, nor do I want one. When I try to go into my account attempting to find a "Delete" button, I continually come across "security questions" that I have never been asked or could possibly answer, so essentially AES keeps me locked out from any possible successful Log-In. I have also SENT a letter to AES demanding elimination of this account.

Even though the Balance would / should read $0, I DO NOT LIKE THE IDEA OF HAVING AN OPEN ACCOUNT ANYWHERE, particularly when I have no desire to have this said specific account anytime in the future. What can the Consumer Affairs agency do to remedy my situation once and for all? I would truly appreciate email confirmation that this has been taken care of. I hope I'm not just blowing more hot air to the wind. Anticipating the Consumer Affairs agency has some authority to make things happen better than consumers are able to do for themselves.

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I lost my card and before I canceled it I asked the consumer representative if there was ANY WAY I could get my money off of the card before it was cancelled. The agent told me there was no way except to get a friend or family member to buy an American Express Serve card and open an account themselves, then transfer my money to that card. So I cancelled the card and ordered a new one. Later I go online to the Serve website and find out there was an option called RIA in which my funds could have been transferred to any Walmart in the U.S. or Puerto Rico. I called back and asked if I could use the RIA option and was told no because the card was cancelled and I would have needed to tell them the 3-digit security code on the back of the card. Well I told a supervisor, I HAVE THOSE NUMBERS SAVED!!

If the first two agents I had spoken to had only mentioned the RIA option I would have been able to transfer my money to my local Walmart and not be absolutely without any of my earned money for 7-10 business days which translates into two weeks. I am insanely disappointed with American Express Serve. Not only is it difficult to use the card at small businesses, they do absolutely nothing to help you when you need them the most, and then try to get you to spread their disease to one of your friends or family members just to get your own money. When that new card comes I am going to empty every dime from it and cancel my direct deposit and my account with American Express.

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If I could give this company a -0 I would... I signed up to receive an American Express Serve card 2 months ago... 2 MONTHS AGO and I regret ever signing up for this crap. I recently reported some fraudulent activity on my acct and was told that an investigation would ensue. A week later I get an email saying that not only will they not credit my acct the money that was taken from these fraudulent charges, but that my acct is being suspended permanently. I was told that their "investigation" determined that the charges were not made under any fraudulent circumstances. However, after personally contacting the companies that were in question, I was told that someone with a different name and shipping address (which is another state) made the purchase.

The last time I checked, I did not need to purchase something under another person's name and mail to a address that I have no idea about. In addition, why didn't American Express verify the name and the address on the acct before clearing the purchase? And because of their half ** investigation my money is now being held in a suspended acct. I cannot tell you how livid I am right now. I asked when my money would be mailed to me and the stupid ** customer service rep couldn't even answer the question.

I am making this very clear one time only. If my money is not mailed to me within 7-10 business days from today, I will not only be formally suing American Express, I will also be making daily complaints on the BBB site or any site that will allow me to make a complaint and I will also be going to any news channel and making it known that American Express is a fraud. Not only was there fraud committed on my acct but fraud was committed on me as a customer. You have seriously messed with the wrong one. They should be ashamed of themselves. A company that makes millions of dollars, should not be this bent on ripping off their customers. Someday soon, I hope there are enough people to file a class action lawsuit against this company.

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I have been using the Serve card for 4 years now and have had no problems until just this last week. I made an online payment to the hotel where I'm staying, which declined on the hotel's end. American Express put the funds on hold, however, and after two 3-way phone calls between myself, American Express, and the manager of the hotel who confirmed that they WOULD NOT be able to receive the money I tried to pay to them, American Express refuses to release the funds back into my account. I have now had to come up with additional funds to pay the hotel, and I am now left completely broke. I now have 4 more days to wait until my funds are released, and meanwhile, I cannot feed myself or my 2 kids, or put gas in my car. They absolutely refuse to help me. I am currently searching for another financial institution who can handle my money properly, at which point I will say goodbye forever to the Serve card, and American Express.

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My husband received SSA retirement and in May 2016, he called Serve on May 1, 2016 speaking about why his check did not deposit 2 days early as the Serve Card had advertised and the rep said "It depends on the company and when they would allow the money to become active." We found out that The Serve Card had and is still currently posting false advertisements. Normally my husband receives his retirement check at midnight (1 minute after the clock flips over to the 3rd day of every month) which when he checked his Serve Card the money was not on his new account. We contacted the Serve Card and they said "Your card does not show any money to be applied nor a pending transaction."

However from May 31st 2016 - June 2, 2016 his account had showed a pending transaction but on June 3, 2016 the transaction had not been applied to his card nor was there a pending transaction on his account. It is as though my husband's retirement check has disappeared. My husband went to the Social Security administration and it shows his benefits had been sent to the number from the slip my husband received and has turned into Social Security administration. I use Bluebird by American Express and I never have no problems. We will be taking this to an attorney and to the division who are in control over this card! They are stealing from people!

Expert Review

Barbara FriedbergPersonal Finance Contributing Editor

Barbara Friedberg, MBA, MS is a former investment portfolio manager with decades of financial experience. Friedberg taught Finance and Investments at several universities. Her work has been featured in U.S. News & World Report, Investopedia, Yahoo!Finance and many more publications.    More about Barbara→

The American Express Serve offers three prepaid debit cards under the American Express umbrella. The Serve cards provide the backing of the American Express brand. American Express is the world’s largest card issuer by purchase volume according the American Express website.

  • Products: The three American Express Serve® debit cards include the basic Serve®, FREE Reloads and the Cash Back card.
  • Card prices: Online all three cards are free. The price is up to $3.95 in retail locations.
  • Low monthly fees: The monthly maintenance fee is only $1 for the standard card, and it is waived for consumers that meet the minimum deposit amount of $500. The fees for the FREE Reloads and Cash Back cards are $4.95 and $5.95 per month respectively.
  • No charge card loading: Direct deposit, mobile check deposit and adding funds from a bank account are all free.
  • Cash back: Unlimited one percent cash back on all purchases in store or online.
  • Free card replacement: There’s no charge for card replacement for any reason.
  • Free ATM withdrawals: As long as consumers use one of the in-network MoneyPass® ATMs, there is no fee. There is a $2.50 non-MoneyPass ATM withdrawal charge and the possibility of additional ATM operator fees.
  • Free services: There are no charges for online bill pay, sending and receiving money, setting aside money in reserves. There is also protection on eligible purchases.
  • Best for Those who tend to overdraw their accounts and those who want flexible prepaid debit card solutions.

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American Express Serve Company Profile

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