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Compare Feature and Fees of our New Prepaid Debit Accounts
American Express Serve®
American Express Serve® FREE Reloads
American Express Serve® Cash Back
Card Price
$0 OnlineUp to $3.95 in retail locations
Monthly Fee(No fee in TX, NY, VT)
$1-or-$0 when you Direct Deposit $500+1
$4.95
$5.95
Unlimited 1% Cash Back on purchases2
—
—
$0
Cash Reloads
Up to $3.95(fee varies by retailer)
$0 at over 45,000 locations including CVS/pharmacy®, Dollar General®, Family Dollar®, Rite Aid®, Walmart®, and participating 7-ELEVEN® locations3
Up to $3.95(fee varies by retailer)
Direct Deposit
$0
Add Money from a Bank Account
$04
ATM Withdrawals
$0 at MoneyPass® ATMs$2.50 at non - MoneyPass® ATMs, ATM Operator fees may apply (No Fee in VT)
Online Bill Pay
$0
Send and Receive Money
$0
Set Aside Money in Reserve
$0
Subaccounts
$0
Card Replacement
$0
24/7 Customer Service
$0
Access to Purchase Protection on Eligible Purchases
$0
Foreign Transactions
2.7% after conversion to US Dollars
Mobile Check Capture by Ingo™ Money5
$0 for Money in 10 DaysFor Money in Minutes, a 1% fee on payroll or government checks with preprinted signatures or 5% fee on other checks; $5 minimum fee applies
Serve Money Transfer Powered by Ria®
Send up to $2,500 for $16.99 per transaction6
Cash Pickup Powered by Ria®
Up to $9.497(fee varies by withdrawal amount)

1 The monthly fee is waived when you recieve a Direct Deposit of $500 or more during each monthly statement period.

2 Earn 1% Cash Back on purchases (less returns/credits) rounded to the nearest dollar, added to your Account after you use your Card. Rounding purchases to the nearest dollar means that you won't earn a fraction of a penny in Cash Back. For example, a purchase of $0.01-$0.49 rounds to $0.00 (you don't earn Cash Back), a purchase of $0.50-$0.99 rounds to $1.00 (you earn $0.01 Cash Back), and so on. Account spend limits apply. The Serve Cash Back Card is the only prepaid Card/Account with 1% Cash Back on purchases, not limited to select merchants or select purchases. Cash Back is typically applied to your Account promptly after your purchase, but could take up to 60 days. Cash Back can be redeemed and used only for future purchases made with your Card and cannot be redeemed for cash or otherwise exchanged for value. Subaccounts are not eligible to earn Cash Back. ATM transactions, fees and Serve Online Bill Pay are not purchases and do not earn Cash Back. For full terms and restrictions, see the Cash Back User Agreement.

3 You can load at other locations for up to $3.95.

4 Bank origination fees may apply.

5 Mobile Check Capture by Ingo Money is a service provided by Ingo Money, Inc. and First Century Bank, N.A., subject to the Ingo Money and First Century Bank Terms and Conditions and Privacy Policy. All checks are subject to approval for funding in Ingo Money's sole discretion. Approval review usually takes 3 to 5 minutes but can take up to one hour. Fees apply for approved Money in Minutes transactions funded to your card. See serve.com/fees for details. Additional terms and conditions and limits are associated with your use of the Ingo Money service through the Serve Mobile app. See serve.com/legal for details. Data rates may apply.

6 The Money Transfer service is provided by Ria® for pickup at Walmart®. The fee depends on the transfer amount. $4.99 fee for transfers up to $50, $8.99 fee for transfers $50.01-$1,000, and $16.99 fee for transfers $1,000.01-$2,500. See serve.com/moneytransfer for more details.

7 The Cash Pickup service is provided by Ria®. The Cash Pickup fee depends on the withdrawal amount. $3.49 fee for withdrawal amount up to $500 at Walmart®, $6.49 fee for withdrawal amount $500.01-$900 at Walmart®, and $9.49 fee for withdrawal amount $900.01-$2,900 at Walmart®. Withdrawals greater than $900 are available to Serve Account holders who receive their tax refund via Direct Deposit into their Serve Account.

See Legal for complete details.

Did you purchase a Temporary Card? Do you have a Temporary Card?

Enter your Card information:

Your Security Code is the 4 digit number that appears on the front of your Card.
Your Security Code is the 4 digit number that appears on the front of your Card.

You're registering for an

American Express Serve Account

Free Direct Deposit, free online bill pay, and free ATM withdrawals at over 24,000 MoneyPass® locations nationwide* Register now and get a decision in as little as 15 seconds!

Not your card?

You're registering for an

American Express Serve Free Cash Reloads Account

Free cash reloads at over 45,000 locations, free online bill pay, and fraud protection Register now and get a decision in as little as 15 seconds!

Not your card?

You're registering for an

American Express Serve Cash Back Account

Get 1% Cash Back on every purchase, free online bill pay, free Direct Deposit, and fraud protection. Register now and get a decision in as little as 15 seconds!

Not your card?

You're registering for an

American Express Serve Account

Your available balance will be added to your Personalized Card

You're registering for an

American Express Serve Free Cash Reloads Account

Your available balance will be added to your Personalized Card

You're registering for an

American Express Serve Cash Back Account

Your available balance will be added to your Personalized Card
Choose your card:

Serve

Free Direct Deposit, free online bill pay, and free ATM withdrawals at over 24,000 MoneyPass® ATM locations nationwide*, for $1/month

Your Full Service Prepaid Account for $1/month

Serve Free Cash Reloads

Free cash reloads at over 45,000 locations, plus all the benefits of a Serve Account, for $4.95/month

All the benefits of Serve plus free Cash Reloads for $4.95/month

Serve Cash Back

Get 1% Cash Back on every purchase, plus all the benefits of a Serve Account, for $5.95/month

All the benefits of Serve plus 1% Cash Back for $5.95/month
See our fees
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  • at least 1 uppercase,
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Create ATM PIN
  • the same 4 numbers (such as 1111), or ordered numbers (such as 1234),
  • the last 4 digits of your SSN,
  • your birth year.
Security Question

Serve is issued by American Express Travel Related Services Company Inc., not a bank. For information on FDIC pass-through insurance and Serve, Click Here.

By clicking on 'Agree and Submit' you signify you have reviewed and agree to the Serve Consumer User Agreement.