How long does it take for a direct deposit to process with my American Express Serve card?

You can access your American Express Serve money as soon as the funds are electronically added to your account.

Please note that it may take up to two pay cycles after you enroll for your direct deposit to begin.

Forever

I have had this card for a year and never had a problem until today. Today my employer deposited electronically at midnight funds to my account which was my paycheck. Sadly, Amex Serve states they never got anything but they have a pending deposit. I was told to go see my employer since I need to get a routing number. When I get the routing number, then call back. My employer said they don't give them out because of fraud. However, since I am a supervisor, I can see the accounts that my employer posts. They showed me that the money was in fact deposited into my account. I called the serve again, and was told that they didn't get instructions from my employer. I was told I had to wait a week to have it go through. When I went back to the employer again, they still insist they deposit the money. My coworkers all got their paychecks today, except me. Sadly, everything was due today, every bill, rent you name it. I called Amex 5 times today and the last phone call they hung up on me. I now have to put a stop check which my employer charges. They will issue a paper check, but it takes a month to get them back since they issue paper checks once a month. I am canceling this card and finding a different bank to go through.  Bail on these guys while you can.

My direct deposit is due to hit my Serve account on the 1st of the month. Since opening my account, I've received my deposit on the 25th of each month. If the 25th falls on the weekend or a holiday, then it's the day before, say the 24th or 23rd. I've never had a problem.