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Serve from American Express (AmEx) Review
Overview
Average Monthly Fees and Costs:
$4.95
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
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Find Your Perfect Prepaid or Credit Card to Help you Build or Rebuild Your Credit!Finding the perfect credit card is easy. Simply use our Card Ratings and Reviews for 2026 and we’ll kick-start the search!
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
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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 Reviews, Prepaid Debit Card Reviews
Card Features
Initial Fees
Average Monthly Fees
Bill Pay Fees / Features
Loading Fees / Options
Total Score
Has the Serve Card been Discontinued?
The Serve card is still being issued, but will be be closing on June 3, 2026.
75 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?)
Posted June 21, 2013 by Curtis Arnold
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.
Consumer Reviews of the Serve Card:
Pls help other consumers by adding your review / rating below!
Nicole: Can you transfer money from a bank acct to this card?
- Shane TripconyMay 17, 2017 at 2:05 amYes, 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® - Good afternoon, what is the maximum limit allowed to load a prepaid Amex card? Can I load over 10k from my bank account.? Thank you.
