American Express Serve®
Prepaid Card
Offered by:
American Express
Info about the American Express Serve® has been collected by WalletHub to help consumers better compare prepaid cards. The financial institution did not provide the details.
American Express Serve®'s Key Fees
| ACTIVATION FEE |
None |
|---|---|
| MONTHLY FEE |
$6.95 Monthly Fee (no fee NY, TX & VT) |
| SIGNATURE TRANSACTION FEE |
Free |
| PIN TRANSACTION FEE |
Free |
| IN-NETWORK ATM TRANSACTION FEE |
$0 |
| ATM NETWORK SIZE |
30000 ATMs |
| OUT-OF-NETWORK ATM TRANSACTION FEE |
$2.50 |
| FOREIGN ATM TRANSACTION FEE |
2.7% |
| ACTIVATION FEE |
|---|
| None |
| MONTHLY FEE |
| $6.95 Monthly Fee (no fee NY, TX & VT) |
| SIGNATURE TRANSACTION FEE |
| Free |
| PIN TRANSACTION FEE |
| Free |
| IN-NETWORK ATM TRANSACTION FEE |
| $0 |
| ATM NETWORK SIZE |
| 30000 ATMs |
| OUT-OF-NETWORK ATM TRANSACTION FEE |
| $2.50 |
| FOREIGN ATM TRANSACTION FEE |
| 2.7% |
American Express Serve®'s Highlights
| Your Full Service Prepaid Debit Card. (American Express Serve is not a credit card.) |
| No credit check. No minimum balance. No hidden fees |
| FREE Early Direct Deposit! Get access to your money up to 2 days faster with early Direct Deposit |
| Faster access compared to standard payday electronic deposit and subject to your employer submitting paycheck information to the bank before payday. Your employer may not submit paycheck information early |
| Enjoy American Express service and security 24/7. Shop online and off and enjoy Card Membership benefits like Purchase Protection |
| Underwritten by AMEX Assurance Company. Subject to additional terms, conditions, and exclusions. See additional American Express Serve® details |
| FREE ATM withdrawals at over 30,000 MoneyPass® ATM locations nationwide |
| Transactions at non-MoneyPass® ATMs have a $2.50 American Express Serve fee. ATM operator fees may also apply. See serve.com/atm for details |
American Express Serve®'s Additional Info
| LIVE CUSTOMER SUPPORT |
|---|
| Free |
| AUTOMATED CUSTOMER SUPPORT |
| Free |
| RELOAD OPTIONS |
| Direct Deposit, Cash Reload, Bank Transfer, Check Reload |
| CANCELLATION FEE |
|---|
| Free |
| INACTIVITY FEE |
| None |
Customer Questions and Answers
Don't see what you're looking for? Submit your question about American Express Serve® to our community.
How to close the Serve card? Reply 7459
Micheal Peck
@michealp1
If your using direct deposit then stop, then cut that pos serve up
74
Upvotes
I have an American Express rewards card. If I use it for a gas purchase and it's over the limit, will it be charged to the card? Reply 6243
@paul_matheu417
Whatever is that you have on your card the only amount you can spend, there are no overdrafts with this card.
62
Upvotes
How can I withdraw a large amount for a one time fee? Reply 5523
@paul_matheu417
You can do it thru Cash Pick up Powred by Ria. This feature will allow you to withdraw up to $2900 for tax season per day.
55
Upvotes
Can I use it for a car rental? Reply 5243
Lisa Cahill
@lisacahill
Unfortunately, there is no guarantee you’ll be able to rent a car using a prepaid card, as most major American car rental companies do not accept them as form of payment, and instead require a credit card. The best course of action would be to call the car rental beforehand to ask if they will accept you AmEx Serve card. You may also find details of the policies held by the 10 largest rental companies in the U.S. at: https://wallethub.com/edu/car-rental-without-credit-card/25551/.
52
Upvotes
I'm calling the IRS on Monday because not being able to register the card and access my refund is unacceptable! The process should not be this hard. Where is the live customer service? Reply 4828
Lisa Cahill
@lisacahill
The American Express Serve customer service number is 1‑800‑954‑0559. The IRS customer service phone number is 1-800-829-1040. Hope this helps.
48
Upvotes
Can you reserve a hotel with this card? Reply 4036
Jacarri Page
@crystles23
Don't do it especially if the hotel requires a deposit. They will put a hold on it supposedly for 7 days, but then they'll keep changing the date. I'm having that problem as we speak.
40
Upvotes
Can you pay your credit card bill (i.e. Capital One) with this? Reply 4039
Matt Crain
@mattc11
Yes, you can actually pay any bill with this card including your credit card bills.
40
Upvotes
When should I see my refund on my card if my refund was supposed to be there on Wednesday? Reply 3938
Micheal Peck
@michealp1
Serve has been cancelling cards and not returning money left on them for no reason I have lost money to them I would recommend using something different these are crooks
39
Upvotes
American Express Serve® Reviews
Share your insights and review the American Express Serve®.
Oct 03, 2015
American Express Serve is one of our favorite prepaid cards. It offers everything you need to say goodbye to your checking account or to check-cashing stores at a price point that’s hard to beat. Serve’s free online bill pay feature allows you to pay billers that don’t accept plastic, and its free mobile app enables you to fund your account simply by taking a picture of a check.
There are only two fees to even worry about and both are avoidable. If you direct deposit at least $500 each month and withdraw money exclusively from MoneyPass ATMs, of which there are more than 24,000 nationwide, then Amex Serve will be completely free to use.
As such, Serve makes for a great replacement checking account, check-cashing service or financial literacy teaching tool. And that’s all you really need to know. But if you want more information, make sure to check out our full American Express Serve review: wallethub.com/edu/american-express-serve-review/25925/… show more
There are only two fees to even worry about and both are avoidable. If you direct deposit at least $500 each month and withdraw money exclusively from MoneyPass ATMs, of which there are more than 24,000 nationwide, then Amex Serve will be completely free to use.
As such, Serve makes for a great replacement checking account, check-cashing service or financial literacy teaching tool. And that’s all you really need to know. But if you want more information, make sure to check out our full American Express Serve review: wallethub.com/edu/american-express-serve-review/25925/… show more
5 Comments
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Jan 26, 2020
I bought the prepaid card put $220 on it tried to pay a bill didn’t work called them they put my card on hold can’t access my funds total bullshit Do not recommend now my accounts going to be past due and they don’t even try to help
May 23, 2017
I have been using the card for 3 years now, never had any problems. I used to use for direct deposit for my old job when got a new job they didn't use direct deposit. Still use paper checks. Not a problem I deposit my check via camera load on the card.
Dec 29, 2019
I had a account with American Express Serve that was closed and I forgot about
I was sent a direct deposit on November 19, 2019 . American Express Serve still have yet to send thr money back to the sender it is know December 29, 2019 sad that this company choices to keep the money and not follow proper protocol.
I was sent a direct deposit on November 19, 2019 . American Express Serve still have yet to send thr money back to the sender it is know December 29, 2019 sad that this company choices to keep the money and not follow proper protocol.
Dec 06, 2019
They are the WORST for my refund I had to wait 5 business days so I was stuck with no money thanksgiving and it was nothing they could do about it, next vudu charged my card because my son had the tv remote and he accidentally bought a movie well I called Amex trying to get my 21.39 they told me I would have to file a dispute and order a new card to get just $21.39!!!! I took it upon myself and called vudu and they refunded me my money without all the hassle. This is my last time dealing with them !! They are ABSOLUTELY THE WORST !!!!!!… show more
Dec 02, 2019
Amex Serve is absolutely the worst incompetent division of American Express, they are in it to just make money. Whatever you do, DO NOT waste your hard earned money with this service. There are plenty of ways you could use similar more reputable services, this is Amex's predatory way of taking advantage of people who need a service like this.
Nov 28, 2019
DO NOT GET THIS CARD. dishonest 3rd world country employees. They steal & SELL your card info!! i had $896.00 charge from saudia airlines....i do not even have a passport!! now, AMEX claims they cant refund me. they steal from honest people!!
Nov 25, 2019
There is no score lower than what could be found under a rock in the farthest depths of hell to rate the experience I had today with Amex Serve!! I've barely use the card in many months except to load money on it as an extra savings place for special occasions. Today, I went to buy groceries for our Thanksgiving dinner, and checked the card balance before I started out. My account had been closed!!! I received a message when I logged into my account with a customer service number. I was absolutely livid!!! I called the number and some woman answered the line whose English sucked plus 10!! She explained to me that I hadn't met their company's security requirements!! What damn security requirements??? She placed me on hold for damn near 30 minutes to talk with the tech department. I've had that card for a couple of years, and I've never experienced such a thing. Furthermore, how dare they close my account without any notification?!?! Where the hell is my money??!! I work too damn hard to save money and have it taken from me like this. I haven't done a damn thing but place money on the card!! I haven't used it to purchase a freaking thing in months. We use it to save money for special occasions. That pathetic heifer of a customer service rep verified my home mailing address and email, and told me that a check for the amount of money I had on the card had been sent to me on 11/23/19. I actually asked the good Lord to please save my life because I was so angry, I though I was going to have a coronary!! My money better be in my mailbox with a quickness!! Amex Serve damn near ruined our Thanksgiving!! Thanks a lot you corrupt, maggots!! May the jaws of hell snatch your hearts out!! My family will go on with it's Thanksgiving, be blessed and enjoy the season in spite of you minions from hell. You may have snatched my joy temporally, but you will never make believe there are not still good people out there. In your case, God must have blinked!!!! CONSUMERS, STAY AWAY FROM THIS CARD!! DO NOT GET THIS CARD!!!! STAY AWAY FROM AMEX SERVE PERIOD!!!… show more
Oct 30, 2019
Stay away. The monthly fee/ service charge is ridiculous. Be prepared to pay it as soon as you purchase the card. If you purchase the card for a bill make sure to add an additional $6.95 to your card for the same day service charge fee or be prepared for your card to be declined and your bill unpaid. If I could give it zero starts I would. I’ve purchased a lot of gift cards over the past few years, this is the only one that I regret buying and to think I was considering getting my paycheck loaded to this card, not after reading you can’t withdrawal your own money from the account.… show more
Oct 18, 2019
It takes 7 days for a merchant refund to be processed, this isn’t normal! I use my debit or credit card and refunds are processed immediately. Don’t use this card if there is a possibility you may return your purchase for a refund. I wish the US government would regulate this process and make them issue refunds promptly.
01/25/20
It's crazy how these creditors will deduct the funds from your account instantly but in order to get a refund they make you wait 7 days. Complete BULLSHIT
12/15/19
I contacted the bbb to help me about an ATM issue I had. Now i see a hold for refund. I reported them for this too. You have to report them.
Oct 11, 2019
I have had this card for about 6 years now and in the beginning it was great! Of course there are stores/companies who wouldn't accept Amex, but that wasn't much of an issue. Customer service was helpful and they did all they could to help. I don't know what has happened in the past couple of years, but this is not a good card to have anymore. Lately, every time I have to receive a refund, the mechant will release the funds (and it will show, in green, the funds are back in the account on the app) but Amex will hold them for upwards of 7 days! When you call to get an explanation, they lie and will tell you 2/3 different dates depending on which rep answers the phone. Just today I had a rep tell me that maybe I called and "rushed" amazon to send my refund and that's why it came faster & when I told him "no, I never even had to call amazon" he just repeated the same lie, blaming the banks for holding the funds. Then insisted that he didn't have a manager or dept head that I could talk to. I will be cancelling this card AS SOON as they refund my money. It's not worth the headache or inconvenience, just get a visa.… show more
Jul 23, 2019
I trusted serve because of the American Express brand and reputation for customer service. But, this one time I stayed at a hotel for two nights and they charged me for three. The hotel would not reverse the charges, so I called the Serve rep to dispute the charge for the night I didn't stay. They investigated and told me I wasn't getting a refund because the hotel manager said I was lying. This doesn't seem like proper customer service to me.… show more
Jul 12, 2019
I used this card at a gas pump. Big mistake! It put $100 on hold on my account. The actual cost of the gas, $33 went through but the $100 hasn't and its been over 8 days. I tried calling customer service to get an actual person but got nothing. Maybe it was a mistake getting this card.
Jun 10, 2019
HORRIBLE DEFINITION OR HORRIBLE !!! Why is it legal for this company to put a REFUND on hold for 7days and blame the other party making the refund. Anyone who uses papal knows that it doesn't take PayPal 7DAYS to return money into an account. ESPECIALLY when it is already showing back in my actual account PayPal took the funds from to begin with. American Express Serve needs to be sued! I am seeking legal advise on my end to see what I can do besides close my account which I am closing my account 2day. I have been patient for several years. Not wks YEARS and its been a bad ride more then anything else.… show more
12/15/19
You have to report them to the bbb. I have them working on a case now for the same issue. The refund came through fine and then pulled it back on its on hold now.
Jun 01, 2019
If I could give a half of a star I would. I Have been trying to reload my card for the longest by linking my bank account. They are supposed to debit 2 small amounts that you need to verify. For a month I have been trying to do this, it only drafts one amount, I then call customer service to reach the customer service who you can barely understand. Their customer service is a joke and does not attempt to assist you. Need to just have automated system, this company sucks and needs to stop outsourcing their calls. NEVER WILL USE AMERICAN EXPRESS AGAIN!… show more
Mar 06, 2019
They are scum and trying to get your money. They charged you fees $5.95 monthly either you use it or not. So basically you are giving your money to them to pay their customer service. So, Pls. Don't buy this card.
Feb 21, 2019
My direct deposits are never consistent! I was told to call my employer. They said the notify the same time every two weeks and still have never received a deposit two days early! Their company always manages to take their fee on time! About to cancel after my check is deposited for the last time and just be done with it!!!!
Feb 15, 2019
Like most other people I have been a victim of fraud and American Express Serve is doing nothing about it. My question is why do the charges need to post before they are disputed? Once i realized my card had been cloned and used fraudulently on Feb 7 I called right away and all the charges were still pending. They told me they could not begin the dispute process until they posted! Why is there no option to void pending transactions? Especially from a company like Amex. So the next day Feb 8th i checked my account again and most of the charges had posted with the exception of 2 (merchant never collected the money for 2 fraud transactions so i guess it released on its own) I have all my confirmation emails stating the dispute has been filed but i dont have time to wait 21-45 days for these dumb asses to investigate. Stay far away from this card people! I got this card out of desperation because I was in the chex systems and couldn't get my own bank account due to my PNC account being compromised years before. The only thing i really liked was that i get paid two days earlier but that shit doesn't even matter anymore. Hardly anyone takes Amex and overall it's a hassle. I couldn't even withdraw my own money in Dominican Republic back in September because it's not a real bank and you can't use it internationally. Some BS! Why wouldn't you be able to use an Amex worldwide?! Stay far far away!… show more
Jan 31, 2019
They have no human customer service and then when you finally figure out how to get a person they don't speak English! Are they based in India?! I've been trying to get my money from a fraudulent transaction since January 16 First off I was on hold over an hour every time I call but was lied too and the non-english speaking customer service have no idea what the hell there doing and are extremely rude! Still haven't received my money back! Run people American Express Serve you should be ashamed of your business ethics!!! I'm reporting you to every to the BBB and any and all that will listen!… show more
03/08/19
@bbrown91288 congrats on getting yours resolved. Mine, still not so much sadly. I contacted BBB & FDIC which both received a response today that they still would not be refunding money. I sent email to CEO but it kept getting returned. I'm not sure where to go from here. I hate to let go of my money but cannot find anyone to help. Very frustrating!!
03/06/19
@s_summerson Hi. I received my money back on 02/22/2019 which was not bad judging the fact that i received the declaration of fraud claim on 02/21 submitted it back right away with police report, a nice nasty letter and a copy of all fraudulent charges made on my account. I attached all that and uploaded via the Amex serve website. Needless to say the next day I received an email stating the fraud investigation was complete and that I received a refund in the exact amount that was stolen from me. Money was available right away. But as i stated a few weeks ago I wrote a letter to the CEO. Never got a response but it was a nice long heartfelt letter so someone had to have read it. I also filed a complaint with the BBB and was about to write to the FDIC but then I got the fraud form sent the stuff back and got my money back. Needless to say I did open up a regular Chase account which I was surprised being as though I was in the chex systems and owed them money a few years back. My advice is if you have any old debt with a bank that may be older than 7 years try and open an account again. I really can't express how good it feels to have a regular bank account again and not some stupid prepaid card like Amex Serve. Never Again!!… show more
02/27/19
Have either of you had any luck? We have filed our first claim on fraud on December 20 (done this 3x now). Have spoke to someone at executive office & today she told us that they cant do anything more to help. I am beyond pissed!! $3300 is a big deal to me and my family & cannot find anyone to help get our money back on charges that were neither done by us nor authorized by us.… show more
Jan 22, 2019
The Serve card is a POS.
Forewarning if you use this card you can't get cash back anywhere!!!
You can use the money transfer feature and you can transfer money to yourself but its $16.99, per every $2500, To Get Your Own Money!!!
Forewarning if you use this card you can't get cash back anywhere!!!
You can use the money transfer feature and you can transfer money to yourself but its $16.99, per every $2500, To Get Your Own Money!!!
Jan 22, 2019
People out there lying about this card.
They hold your refunds for 7days.
They charge 2.50 for each atm transaction.
There’s no chip on the card so bank atm don’t accept it. And the so called free atm locations are, If accurate, Inconveniently located.
I’ve been with AMEX for over 6 years and nothing has gotten better.
The only plus, is getting your direct deposit early.
Not worth the charge backs by my credit card company etc. I’m moving on !… show more
They hold your refunds for 7days.
They charge 2.50 for each atm transaction.
There’s no chip on the card so bank atm don’t accept it. And the so called free atm locations are, If accurate, Inconveniently located.
I’ve been with AMEX for over 6 years and nothing has gotten better.
The only plus, is getting your direct deposit early.
Not worth the charge backs by my credit card company etc. I’m moving on !… show more
Jan 18, 2019
I honestly think that the people who give this card a good rating are somehow affiliated with the company or just haven't been burned yet. I noticed some people said that in most cases it was user error or something the person did wrong. To those people, I just ask you to believe me and think of this scenario. I went to the ATM, the ATM was not out of money or malfunctioning because the second transaction went through. However, the first transaction for 200$ did not dispense money. I am told to wait 45 days to get this money back. I just want to warn people that even with Wal-Mart money cards if the ATM doesn't dispense money its ten days. I thought ten days was a lot but what if it had been 400$. Does American express really think everyday people who for whatever reason have to put their money on prepaid cards can wait 45 days for hundreds of dollars to be returned? Its sad. And I think about people out of work who this is happening to and it sickens me. I don't even feel confident the money will be returned in 45 days. It just feels like a scam. So to all of the raters including wallet hub who recommend this card, What did I do wrong in this case? How did I bring this on myself?… show more
10/24/19
I am going through the same thing. I'm stunned. I never had any issues until this atm incident. I saved the receipt that shows that Amex restricted the card for the first transaction. I'm on the 7th day of the dispute. I've been calling every day and they are not helping me. I contacted the BBB. I don't know what to do anymore.
01/28/19
Hi everyone, just wanted to update that after 21 days I was given a provisional credit for the money I never received from ATM.. I was really scared I'd gotten scammed so at least amex serve is not a complete scam! I still closed the account. It shouldn't take 21 days to realize through an investigation that a person never received money from an ATM.. I expected 10-14 business days because most prepaid cards take their time with reimbursements. But from the poor customer service process and the time frame it felt like a dishonest process...… show more
01/28/19
Hi bluejay, I don't know if we have the same type of card. The server card is only a credit card in terms of how the payments are processed.. Meaning, I load money or direct deposit to the serve card like a prepaid debit card except it's "run" as a credit purchase... Amex credit cards with lines of credit work fine as you stated... However, it's my understanding that the serve cards were "sold to another company a few years ago and they are lacking to say the least... So there is no real bank to withdraw funds from with the serve amex card.. I can do a money gram transfer from Walmart or go.to the atm... The ATM I used works with amex serve though.. It was the same one I always used.. There was just some unfortunate glitch that day and it wasn't out of money. I checked.. Just wanted to warn people that if something like this happens it could take 21 days before you are reimbursed.. Everyone can't wait 21 days for money they earned to be returned..… show more
Jan 10, 2019
Don't do business with them. When you get a refund you have to wait up to 15 days. Let's say for example you do a Walmart return for 20 bucks it will go back to your account in 3 days and the minute it gets returned serve puts a hold on it for additional 7 days. So what ever money you get back from who ever serve puts it on review for 7 days. And when you call they don't have an answer for why they do it. They say oh it's normal bank practice bull shit shit!!! Trust me stay away from them!!!… show more
12/21/19
I'm going through the refund mess right now. I returned something to Amazon. My account shows it was added a day later then Amex put a hold on it. They said its a 7 day hold because they're waiting for Amazon to clear the funds. So much bs. I'm stunned that they're getting away with this. I filed a complaint with the BBB.
Jan 05, 2019
dont get this card. its not worth the hassle, there is a fee for this a fee for that, they put bogus transactions on your card and expect you not to know...good thing i watched my transactions...4 fraud transactions that just appeared, from WISH.com, shutterfly ,and two from fingerhut freshstart..they said I HAD TO fill out paperwork that would take 45 days to review AND anything that was not already paid would have to wait. the next day 2 of the frauds disappeared into thin air and one was refunded???? they cant tell you how much money YOU had BEFORE the fraud, but sure can take your money for the fee.… show more
Jan 04, 2019
This company is TERRIBLE. They put holds on basically everything in order to collect additional interest off your money. Returned merchandise They have a "7 day merchandise review" hold before they give you your money. Companies that release holds (like hotel's); 8 day hold. Also, used this card in Vegas. The resort puts a $50 per day hold on the card for incidents, which gets returned. Apparently Amex Serve also increases all hotel and resort charges by 25%, to cover incidentals. You will not receive any of this back for 8 days. The second I receive my refunds after their mysterious 7 day hold, I'm withdrawing all my funds and closing the account. Already transferred my direct deposit to my bank. I'll happily get my check one day later to not deal with this scam company.… show more
Dec 18, 2018
I'm sickened by American Express Serve. I filed a claim on October 23,2018 for almost $1300. I was just informed that my claim was denied and my account had been permanently suspended. I gave them a copy of the police report that my card was stolen and used. And proof that I was not the one that made the transactions. It's Christmas time and now my family will be doing without Christmas thanks to AmExpress Serve. I will be contacting legal assistance for this matter. I'm disabled and that is alot of money for me to just write off.… show more
02/15/19
just wondering if you every got this taken care of? Im currently going through something similar where my card was cloned and now I'm out of 1800.
12/23/18
Here’s what I had to do... I filed a complaint with the FDIC... the FDIC directed my complaint to another agency and they handled the rest... shortly after I got a email from Amex serve stating that they restored my account and refunded the money... haven’t had any problems out of them since..
Dec 18, 2018
If I could give no stars, I would. The worst customer service ever. I have been an AmEx card holder for over 20 years and purchased the Serve card for a family member so I could get them money in emergency situations. AmEx blocked my debit card on a weekly basis and their help desk were clueless as to why and how to fix it. The last straw was that they rejected my debit card and will no longer allow me to use a debit card to transfer money. I've never been in the red and my debit card always had funds available. Instead of alerting me that they were doing this, they just did it and when my parents furnace blew out I had no way to get them money.… show more
Dec 13, 2018
Save yourself a lot of stress, don't use this card. I got hacked for $1500.00 while the representative watched it happening and all she did was say " oh my, I'm so sorry this is happening to you". I have been GUARANTEED by one of their supervisors in the dispute department on Dec. 7 2018 that I would have my money back in 24-48 hours. While following up on Dec. 10 I was guaranteed by the same supervisor that it would be back in my account by the end of day. Needless to say on the 11th I still didn't have my money. I called back and got a different supervisor which informed me that I will not get my money before the 21st. Apparently this company trains their people on how to do nothing but lies. STAY AWAY FROM THEM!!!!!!!!!!… show more
Nov 19, 2018
Please don't use this card. If you have any issue beyond 60 days they will do nothing to assist you, regardless of the situation. Almost any other card will offer better results and won't hold your money for prolonged periods of time.
Nov 12, 2018
They have been holding $233 for 5 days now. I wldnt be so upset if I didn’t have this money set aside to pay for my sons medical procedure which is TOMORROW. Right now I’m contacting PrePaid Legal and I won’t have to deal with this BS!!! #VeryPissed
Oct 26, 2018
It takes entirely too long for your own money to be given back to you. I've had a few situations occur where where my money was just held because they wanted to hold it, even after they were able see that the merchant never charged my card they still held my money, $400 to be exact, I had just got paid and had bills due that I couldn't pay because they wouldn't RELEASE MY MONEY. I did a simple refund at the register, still had to wait for my money. I guess the people at American Express serve don't think people have important things to do with their money because they definitely take their time giving you WHAT'S ALREADY YOURS. THIS CARD IS HORRIBLE AND THE CUSTOMER SERVICE IS HORRIBLE, DON'T GET THIS CARD!!!… show more
Oct 19, 2018
This card may allow you to get your paycheck early. How ever they approve decline transactions even if the merchant calls and verify th hey are not collecting funds do to being decline. They will hold your funds for 7 days.
Oct 16, 2018
I have been using an Amex serve card for my payroll direct deposit. It's a big enough pain that so many places don't take Amex because of the high fees they're charged by the company. Then finding an atm that won't charge a fee comes into play. Yesterday my direct deposit was sent and not released to my card by Amex. When I called I was told it is "technical difficulties" and there was not estimated time of it being fixed, but if I called my employer to get a trace number they could tell me when it would be deposited. I was dumbfounded by this response and called back to speak to someone else. They would not give me a supervisor but the second woman told me it should be by the end of the day. This morning it's still not there so I call them and get a message "we're sorry we're experiencing technical difficulties please try your call again later" I get this message 3 times. Then I decided to block my number and call again and sure enough I'm on hold now being told "all of our agents are currently busy, please hold for the next available agent." This isn't some new deposit they need to insure will clear, this is my paycheck that they have always cleared before, clearly an unreasonable hold. Not to mention that they didn't notify any of their customers that there was an issue. I could have requested a check be cut, or changed my direct deposit to somewhere else, and I damn sure would not have taken my car to the mechanic if I had known I wouldn't be able to get it back due to this issue. I'm 2 hours away from contacting a lawyer at this point.… show more
10/16/18
I feel for you guys I am in the same boat! I too always get my deposit Monday nights around 530-6pm est. My employer sends it Monday morning and 90% of the time it is there. The other 10% has been the account login web page down, and can’t use your card anywhere. This is becoming more trouble then it’s worth! It sucks this is happening to us but I thought I was the only one. I hate to say I am glad I am not but I don’t wish this on my worst enemy. Well it is almost 22.5 hours since they told me it would be fixed within 24 hours. Well see if that’s true! Good luck to u guys and to anyone else don’t use serve!… show more
10/16/18
yeah its getting crazy now I was told the same thing I called early eastern time and he just said the tech team says it a tentative today wth
Oct 15, 2018
I have had a card with them for a number of years... No longer do I receive my money early... Therefore there is no reason for me to keep using them... Likewise on my Facebook prepaid card page I am recommending my followers get rid of Amex Serve and Bluebird. I see where my money was released and is marked as paid into my account last Thursday and Friday and here it is Monday and I still do not have my money and that would be just like a regular Bank... Banks today also have no fee accounts.… show more
Sep 20, 2018
Giving 1 Star is a fucking joke ! I am ever so happy and grateful I closed my account with this garbage SERVE CARD. Money being on hold .... servers being down and transactions being declined .... the pay your bill options is a fucking joke and your billing companies weren’t receiving payments .... this card service is a joke .... going back to chase was the best decision I ever made. Do not !!!! Have your taxes come to this card ... you will be awfully sorry. Screw the get your direct deposit one day quicker, you will be happy to wait that one day with another card service. ATM withdrawals are fucking ridiculous when you will be paying an extra $2.50 for each transaction you make (good luck if the ATM have a limit). Customer service is horrible .... wanted to dispute two transactions when instead they denied it saying I made the purchases of two items FROM OUT OF STATE! DO NOT I REPEAT DO NOT USE THIS CARD FOR PERSONAL, vacation or tax money. IN ALL HONESTY DONT USE THIS CARD AT ALL .… show more
Aug 28, 2018
AMEX Serve systems crashed last Friday 8/24/18 at the same time I was using my card to purchase groceries. $209.58 the card declined twice. Had to use another card, later found out the there was a hold on AMEX serves site for the $209.58, a hold that will not clear for 7 DAYS!! The store shows a decline on the card I have proof with the receipt. But AMEX Serve will not release the funds! So at this point I have paid $419 for $209 worth of groceries! This is the second time they have done this to me! As soon as the funds clear back to my balance I am closing the account… show more
Aug 21, 2018
***WARNING*****DO NOT USE THIS CARD OR THIS COMPANY. WE GOT RIPPED OFF BY A MOVING COMPANY AND AMERICAN EXPRESS WOULDN'T REFUND US THE PAYMENT TO THE MOVERS AS IT WAS OVER THEIR 90 DAY LIMIT. NOT A SAFE CARD WITH HORRIBLE CUSTOMER SERVICE. DO NOT USE AT ALL****
Aug 08, 2018
On July 12th someone hacked my account and transferred a total of $629!! ?? They were supposed to investigate but emailed me the NEXT DAY saying i authorized the 2 transfers within 3 mins of each other!!!! Ive had to file a police report and let some responsible adults do their JOB RIGHT!!!! I wouldn't NEVER go back to them!! I have NEVER transferred money to ANYONE, ESPECIALLY NOT $629!!!!
Aug 03, 2018
giving you guys one star is being fucking generous. I called to dispute fraudulent charges from my card last week. They told me in 7-8 business days the money will be returned back onto the card. I called on the 8th day and another representative told me "no one put in the request" the last time I spoke to them. Now i'm being transferred 10 different times to 10 different people trying to figure out when I will get my money back. American Express and AMEX Serve you all should just eat shit and die. You have no idea how hard it is for Americans to make their money and you just sit there and avoid fraud on your customers accounts. Shame on you and I pray your business fails. Fuck all of you and go to hell.… show more
Jul 27, 2018
When I say the customer service is awful words can’t explain. First it takes 3 times for me to call in order to get a representative.. I had to say Lost & stoke card the last time & it connected me quickly. So the wait time wasn’t long less than 45 seconds. Well I got a rep & he answered. His name was “Darnell” so he say, but I know that wasn’t his name. Well anyway I was going to tell him about my card situation & he cuts me off so I said excuse me sir I’m speaking. He apologized. I continue to tell him my problem he cuts me off again.. by now I’m like how can you help me with my problem if you keep talking over me!? He kept talking so I listened. I then went to speak again & then he cuts me off again by then I got really frustrated and I told him off without cursing. I requested to speak with a manager & he immediately transfered me.. I then sat on the phone for 30+ minutes waiting to speak with someone.. I just decided to hang up this is he worst customer services.… show more
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Last updated on: January 8th, 2020 at 15:23
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Jan 8th, 2020 at 15:23 ET