How To Add Money To American Express Serve Card
If yous need a prepaid debit card with no credit bank check, no minimum residual requirement, and no hidden fees, the American Express Serve carte may exist just what you're looking for.
This card offers a depression monthly fee, forth with gratis ATM access at more than 24,000 MoneyPass ATMs nationwide.
All y'all need to register for an American Express Serve account is an Internet connection and the card is only equally piece of cake to use every bit it is to get.
Non only that, merely it comes with many of the perks y'all'd expect from American Express.
What Is American Express Serve?
American Express Serve is a prepaid, reloadable debit menu that can exist used virtually anywhere American Express is accepted.
For example, you lot tin utilise the menu to pay bills, store online, withdraw cash at MoneyPass ATMs or pay for everyday purchases.
If your friends or family members take Serve accounts, you can also use your card to transport and receive money with no fee.
Serve by AMEX Bill of fare Pros & Cons
| Pros | Cons |
|---|---|
|
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Main Features of the American Limited Serve Card
The American Express Serve card has a lengthy list of features and benefits. We've highlighted the ones that we think agree the most entreatment for prepaid card users:
Low monthly fee
It'll cost you lot but $1 each month to maintain your Serve account. The fee drops to $0 if you lot load $500 or more to your card each month via direct eolith.
No minimum balance
Some prepaid cards penalize you lot if your residual drops below a certain amount. American Limited Serve doesn't crave y'all to accept a fix amount of greenbacks in your account.
Mobile check eolith
It's like shooting fish in a barrel to add together money to your menu using mobile check deposit. To use this characteristic, you lot but demand to download the free American Express Serve app to your smartphone.
Free ATM withdrawals
In that location's never a fee to withdraw greenbacks with your American Limited Serve card at a MoneyPass ATM. The fee for withdrawals at non-MoneyPass ATMs is $2.50 per transaction.
Costless reserve account
If you want to save upward for a big purchase or a weekend getaway, you tin can park extra cash in your reserve business relationship until you're ready to use it.
This is a separate account that'due south linked to your American Express Serve card and it'due south gratis to transfer money in and out.
Subaccounts
If you want to add other users to your Serve account, subaccounts are the answer. You tin set up a subaccount with its own Serve carte du jour for anyone over historic period 13. Every bit the main account holder, y'all're able to fix limits on spending and review each bill of fare's transaction history.
Free budgeting tools
American Express Serve members tin can use the Insights characteristic to rails and categorize their spending. If you have trouble sticking to a upkeep, that tin can be a huge assist.
American Express benefits
Your American Limited Serve card comes with costless fraud protection and purchase protection, along with 24-hour roadside assistance and admission to the American Express Global Aid travel hotline.
American Express Serve Card Fees
The American Limited Serve carte du jour is fee-free for the near function but certain transactions will cost y'all extra.
For example, adding cash to the card at a participating retailer volition cost you up to $3.95 each time. Yous can load cash at thousands of places nationwide, including Walmart, Rite Aid and Family Dollar.
If you're using the carte for an international purchase, a 2.seven% strange transaction fee applies. Finally, if you lot apply your menu to get cash at a Walmart store, you'll pay upwards to $ix.49 for each withdrawal.
American Express Serve
| American Express Serve® | American Express Serve® Free Reloads | American Express Serve® Cash Back | |
|---|---|---|---|
| Card Price | $0 Online Up to $three.95 in retail locations | $0 Online Upwardly to $3.95 in retail locations | $0 Online Up to $iii.95 in retail locations |
| Monthly Fee (No fee in TX, NY, VT) | $i - or - $0 when you Direct Deposit $500+ten | $4.95 | $5.95 |
| Greenbacks Back | - | - | Unlimited 1% Greenbacks Dorsum on purchases, no almanac cap (Added to your Business relationship to use for future purchases. Business relationship spend limits apply.) |
| Cash Reloads | Upward to $3.95 (fee varies by retailer) | $0 at over 45,000 locations including CVS/chemist's shop®, Dollar General®, Family Dollar®, Rite Aid®, Walmart® and participating 7‑ELEVEN® locations | Up to $iii.95 (fee varies by retailer) |
| Direct Deposit | $0 | $0 | $0 |
| Mobile Bank check Eolith | $0 | $0 | $0 |
| Add Money from a Bank Business relationship | $0 | $0 | $0 |
| ATM Withdrawals | $0 at MoneyPass® ATMs $ii.l at non-MoneyPass ATMs.‡ ATM operator fees may apply. | $0 at MoneyPass® ATMs $2.50 at non-MoneyPass ATMs.‡ ATM operator fees may use. | $0 at MoneyPass® ATMs $2.fifty at non-MoneyPass ATMs.‡ ATM operator fees may utilise. |
| Online Bill Pay | $0 | $0 | $0 |
| Send and Receive Money | $0 | $0 | $0 |
| Gear up Aside Money in Reserve | $0 | $0 | $0 |
| Subaccounts | $0 | $0 | $0 |
| Bill of fare Replacement | $0 | $0 | $0 |
| 24/7 Client Service | $0 | $0 | $0 |
| Purchase Protection on Eligible Purchases | $0 | $0 | $0 |
| Strange Transactions | two.seven% after conversion to US Dollars | 2.7% after conversion to US Dollars | 2.seven% afterward conversion to US Dollars |
| Cash Pickup Powered by Ria® | Upwardly to $ix.49y per withdrawal | Up to $9.49y per withdrawal | Upwardly to $9.49y per withdrawal |
How The American Express Serve Menu Stacks Upward
| American Express Serve® | Green Dot | NetSpend | RushCard | |
|---|---|---|---|---|
| Card Cost | $0 Online Up to $3.95 in retail locations | $0 Online Up to $iv.95 in retail | $0 Online Up to $4.95 in retail | Up to $ix.95 Online $iii.95 in retail |
| Monthly Fee (No fee in TX, NY, VT) | $one - or - $0 when you Straight Deposit $500+x | Up to $7.95 (Provider offering reduced fees plans or fee waivers based on qualifying activities) | Upwards to $9.95 (Provider offer reduced fees plans or fee waivers based on qualifying activities) | Up to $7.95 (Provider offer reduced fees plans or fee waivers based on qualifying activities) |
| Cash Reloads | Upward to $3.95 (fee varies past retailer) | Up to $iv.95 | Upward to $3.95 | Upwards to $iv.95 |
| Direct Deposit | $0 | $0 | $0 | $0 |
| Mobile Check Deposit | $0 | - | - | 1% or 4% of check value |
| Add together Money from a Bank Account | $0 | $0 | $0 | $0 |
| ATM Withdrawals | $0 at MoneyPass® ATMs $two.l at non-MoneyPass ATMs.‡ ATM operator fees may utilise. | $0 | $ii.50 | $0 |
| Online Pecker Pay | $0 | $0 | $0 | $0 |
| Send and Receive Money | $0 | $0 | $0 | $0.99 |
| Set Bated Coin in Reserve | $0 | - | $0 | $0 |
| Subaccounts | $0 | $four.95 | $iv.95 | $0 |
| Card Replacement | $0 | $iv.95 | $9.95 | Free for 12 months; $4.95 |
| 24/vii Customer Service | $0 | - | - | - |
| Purchase Protection† on Eligible Purchases | $0 | - | - | - |
| Foreign Transactions | 2.7% after conversion to Us Dollars | three.0% of total transaction | three.v% of full transaction | three.0% of total transaction |
Opening an American Express Serve Business relationship
There are ii ways to open up an American Express Serve business relationship: online or at a participating retailer.
In that location'southward no fee to annals online and signup takes just a few minutes. Y'all'll demand to provide your proper noun, accost, email, phone number, engagement of birth and Social Security number.
American Express uses your Social Security number to verify your identity only it won't touch your credit.
Once you've created your business relationship, your American Express Serve card volition be mailed out to the accost y'all used to register.
If you need it faster, you tin purchase a temporary card at whatever store where they're sold. You'll accept to pay a purchase fee of up to $three.95 but you tin add equally much as $500 to the menu correct abroad.
Y'all can become a personalized card by registering your account at Serve.com.
How to Load an American Express Serve Menu
You can add up to $100,000 a yr to your American Limited Serve account using:
- Direct deposit
- Mobile check deposit
- Greenbacks reloads in-shop
- Checking/debit/credit transfer
- Serve transfer
Direct deposit is the easiest way to get paid if your employer offers this service.
If you enroll your Serve account for straight deposit y'all tin get your paycheck upwardly to two days sooner. Even ameliorate, there'south no fee to reload using straight deposit.
Mobile check deposit is also free if you've got the American Express Serve app. Y'all simply open the app, sign the cheque, snap a moving-picture show of the front and dorsum and submit the transaction.
But exist aware that it can have up to half dozen business concern days for checks deposited through the mobile app to be credited to your account. Mobile cheque deposits are express to $2,000 per day.
Adding cash to your card in-shop is user-friendly since the money is bachelor right abroad.
The fee for cash reloads varies by retailer but it'due south never more than $3.95. You tin add up to $ii,500 in greenbacks per day and up to $v,000 per calendar month.
Transferring funds to an outside account
You accept 3 options for transferring coin onto your American Express Serve carte from an exterior account.
You tin either initiate a wire transfer from your bank, transfer funds from a linked debit card or transfer money from an American Express credit carte du jour.
The monthly limit on depository financial institution account transfers is $2,000. The limit for debit and credit carte du jour transfers is $200 a solar day, up to $1,000 a month.
Finally, if you lot know someone with a Serve account you can take them transfer money direct to your carte du jour. American Express caps Serve-to-Serve transfers at $ten,000 per month.
Transaction Limits
Besides limiting how much money y'all can add to your Serve bill of fare, American Limited limits what yous tin spend.
In full general, you can spend or withdraw up to $100,000 per year but at that place are set limits for different transactions. Here's how they compare:
- Retail/online purchases - $fifteen,000/calendar month
- Nib payments - $xv,000/month
- Send money transactions - $2,500/calendar month
- ATM withdrawals - $750/twenty-four hours
- Walmart greenbacks pickup - $900/24-hour interval; upwardly to $2,900 for revenue enhancement refunds that are deposited direct to your card
It should be noted that yous tin only spend, withdraw money or pay bills up to a combined total of $xv,000 each calendar month.
To stay within the $100,000 annual limit, y'all'd take to boilerplate $eight,333 in combined spending on a monthly footing.
American Express Serve vs. Bluebird
The American Express Serve card isn't the just prepaid card American Express offers. There's also the Bluebird card, which is billed as an culling to a traditional checking account.
On the surface, the American Express Serve bill of fare and the Bluebird card are very much alike but there are some key differences.
Most significantly, the Bluebird card has no monthly fee or foreign transaction fee and information technology comes with cheque-writing capabilities.
That might exist preferable to someone who hasn't gotten the hang of paying bills online all the same. Y'all can read MyBankTracker'southward head-to-caput breakdown of the Amex Serve vs. Bluebird.
American Limited Serve vs. Bluebird
| Bluebird by American Express | American Express Serve® | |
|---|---|---|
| Card Toll | $0 Online Up to $v in retail | $0 Online Upwards to $3.95 in retail locations |
| Monthly Fee (No fee in TX, NY, VT) | $0 | $one - or - $0 when you lot Directly Deposit $500+x |
| Greenbacks Reloads | $0 (cash reloads only available at Walmart) | Up to $three.95 (fee varies past retailer) |
| Direct Eolith | $0 | $0 |
| Mobile Check Deposit | $0 | $0 |
| Add Coin from a Banking company Business relationship | $0 | $0 |
| ATM Withdrawals | $0 at MoneyPass® ATMs $2.50 at not-MoneyPass ATMs.‡ ATM operator fees may apply. | $0 at MoneyPass® ATMs $2.fifty at not-MoneyPass ATMs.‡ ATM operator fees may use. |
| Online Nib Pay | $0 | $0 |
| Send and Receive Money | $0 | $0 |
| Set Bated Coin in Reserve | - | $0 |
| Subaccounts | - | $0 |
| Card Replacement | $0 | $0 |
| 24/7 Client Service | - | $0 |
| Buy Protection† on Eligible Purchases | - | $0 |
| Foreign Transactions | $0 | 2.7% after conversion to US Dollars |
Concluding Verdict
If yous value convenience and low fees in a prepaid card, American Express Serve delivers in a big manner.
The reserve account is also a squeamish little actress for anyone who's ready to start working on their savings goals.
Nosotros wouldn't recommend this card, however, if you frequent merchants that don't take American Express or exercise a lot of traveling abroad.
Ultimately, the American Express Serve card is best for everyday spenders who regularly use direct eolith and accept access to MoneyPass ATMs.
Annotation that the American Express Serve card is non a credit card. For our elevation credit cards of 2021:
Source: https://www.mybanktracker.com/credit-cards/expert-reviews/american-express-serve-card-review-254902
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