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?
    • 4,809,248 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
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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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      Customer ServicePriceStaffBilling

      Reviewed June 25, 2025

      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."

      He again said you can try but your card in cancelled. I asked for his name and he refused to give it to me. He just kept asking me if there anything else I could help with and I told him yes your name? And badge number?! He would not give it to me saying no I cannot give that to you. I said I’m not hanging up until you tell because I’ve I’ve asked for a manager and you will not allow me to speak with one. He said..”you can call me Rocky” which I know if not his name, I’m so over this company I will be changing my direct deposit tomorrow as soon as I get to work m. THIS IS THE VERY WORST COMPANY! So unprofessional and rude! Do not get an a con there! Walmart has a free one pay service pre-paid account use them over this joke of a company!

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      Customer ServiceSales & MarketingStaff

      Reviewed June 21, 2025

      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.

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      Reviewed June 17, 2025

      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.

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      Punctuality & SpeedStaffTimeliness

      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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      Punctuality & Speed

      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 ServiceStaff

      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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      Sales & MarketingPunctuality & SpeedRefunds & PayoutsLoan Process

      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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      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