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Serve from American Express Review



Average Monthly Fees and Costs:

Product Details:
  • Your Full Service Reloadable Prepaid Account (American Express Serve is not a credit card.)
  • No credit check. No minimum balance. No hidden fees.
  • Get a $50 credit after receiving $250+ twice via Direct Deposit by 6/30/14.* Enroll in Direct Deposit to get your paycheck in your American Express Serve Account on payday.
  • Get your Federal Tax refund fast- plus a $20 credit.*
  • Enjoy American Express service and security 24/7. Shop online or off and get access to membership benefits like Purchase Protection.
  • Add cash for free across 15,000 CVS/pharmacy® stores and participating 7-ELEVEN® locations.
  • Free ATM withdrawals at over 24,000 ATMs nationwide.
  • Use the Mobile App* to deposit checks on-the-go, manage your money, easily pay bills and more.
  • *Terms, conditions and exclusions apply.
      Activation Fee: $0.00 online, $3.95 retail locations
      Monthly Fee: $1.00 or $0.00 when you Direct Deposit $500+ No fee in TX, NY, VT
      Card Limit: N/A
      PIN Transaction Fee: $0.00
      Signature Transaction Fee: $0.00
      ATM Withdrawal Fee: $0.00
      ATM Balance Inquiry Fee: $0.00
      ATM Out of Network Withdrawal Fee: $0.00
      ATM Out of Network Balance Inquiry Fee: $0.00
      ATM Withdrawal Limit: $750
      Bill Payment Fee: $0.00
      Bill Payment Limit: N/A
      Bank Teller Cash Fee: $0.00
      Bill Pay Expedited Service Fee: N/A
      Inactivity/Maintenance Fee: $0.00
      Cash Load Fee (* asterisk indicates third party fees): $3.95 *$3.95 - $4.95
      Wire Fee: N/A
      ACH Debit Fee: N/A
      Card Purchases (SIgnature) Daily Limit: N/A
      Card Purchases (PIN) Daily Limit: N/A
      Send Money Limit: N/A
      Card Reviews: ,
Card Features

Initial Fees

Average Monthly Fees

Bill Pay Fees / Features

Loading Fees / Options

Total Score

User Rating
82 total ratings


Things We Like

What we like: Low monthly maintenance fees, the availability of subaccounts, mobile apps, fundraising capability. This feels more like a virtual wallet than a card.

Things We Dislike

What we don’t like: Although American Express does not charge a fee for the first withdrawal, most ATM owners do. (However, if it’s used mostly as a virtual wallet, do you need it for cash withdrawals?)

PostedJune 21, 2013 by

Full Article

This prepaid debit card is American Express’s social-media savvy digital wallet. Fees are reasonable, and the card should feel friendly and intuitive to the young. (For their parents, it offers a secure way to pay for chores and dole out allowances.)

Serve from American Express offers $1.00 monthly maintenance fee,  and no point-of-service fee for transactions. Loading money on the Serve card via direct deposit or linked bank account is free. No free ATM network, but American Express does not charge for first withdrawal each month. This card has a minimum load of $20.

A few highlights from the card…

You can send money by email, text and Facebook. This card brands itself as a digital prepaid account and lives up to the name. It’s a competitor to Google Wallet and PayPal. Sub-accounts. You can set up accounts for a teen’s allowance or pay a baby sitter. The primary user must be at least 18, but authorized users may be as young as 13. American Express branding. Customer service is always available, as are perks that include roadside assistance and purchase protection. Easy to reload. Cash can be added via direct deposit, cash or checks (via Green Dot MoneyPak or Vanilla Reload Network Card) credit or debit cards. Card can be used to raise money. The social media aspect of this card extends to raising money, whether it’s for a charity event or a celebration. You create an event on your Serve account; your friends can contribute.


Curtis Arnold




    Can you transfer money from a bank acct to this card?


      Yes, you can, and they offer other ways as well. This is from the American Express website regarding loading money onto this card. Hope this helps!

      Where can I load my serve card?
      Use Direct Deposit, add checks using your mobile phone,3 link your debit card or add money from your bank account4 and load cash at thousands of locations including CVS/pharmacy®, Dollar General®, Family Dollar®, Rite Aid®, Walmart® and participating 7-ELEVEN® locations.

      Prepaid Debit Cards | American Express Serve®

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