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 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% (and $2.50) |
| 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% (and $2.50) |
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 |
| Serve Money Transfer Powered by Ria® Send up to $2,500 for $16.99 per transaction |
| 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 |
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 5624
@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.
56
Upvotes
Can I use it for a car rental? Reply 5244
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 4829
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 4037
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
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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May 04, 2020
I had my card since 2017 activated it but never used it. I kept it because I considered activating a sub account for my teenage daughter. Something I could put money on for her to spend. Well now I don't know. Had my stimulus check deposited on the card and then I transferred it to my bank account and it's still not there. When I call I continue to get different answers on when my money will be in my bank account. I've reached out to the IRS and they said if it's not there this week they will look into investigating. Disappointing.… show more
Apr 27, 2020
Doesn't even deserve one star. They are crooks and will lock your card. IF you ever get someone on the phone, they tell you they can't see why your card is locked and transfer you to a supervisor, but you are always disconnected. This has happened to three of my family members. I will be contacting my state's Attorney General.
Apr 21, 2020
They just stole my money 964.56 unreal how do i get my money back the activated a bogus card 0 balance and took away the card with my money. How can i get my money and how did they let this happen. Mad as hell
Apr 16, 2020
I used to use this card from Jackson Hewitt but as they decided to screw everyone including myself with the 2020 Stimulas deposit I WILL NEVER USE THEM OR THE CARD AGAIN!!!! This is a time of need and they put everyone under the bus because they changed their mind at the last minute!!!! REALLY BAD!!!! THERE IS NO WAY IN CONTACTING ANY OF THESE IDIOTS EITHER
Apr 16, 2020
I hate the fees and they are the biggest joke of a company. High fees with little to NO customer service. Right now you cant even call them because they actually tell you they are not taking calls. Its crazy they basically say we are busy and cant help you our CUSTOMERS. I will be closing this card soon as i suggest to all their customers. P.S many places wont even take american express anymore
Apr 15, 2020
The worst bank ever. I only use them to get my advance from IRS but not the stimulants checks are out and I’m nervous because everyone getting there’s but me. I don’t trust the card like that. I’m gonna tear this card up after all this and I’m not using them anymore.
Apr 14, 2020
If I could give them below 1 * I definitely would I have been trying for over a week all day most of the night trying to reach their customer service because my card was never used or activated I shred it my stimulus is going on it and I cannot even get a hold of anyone to get a new card issued with the money on it this is the worst worst company I have ever dealt with all I can say is don't ever ever use it the tax places should not even recommend this card I don't know how I'm going to get my stimulus money when I have been on hold for 6 hours I kid you not and no one has picked up the phone tried calling corporate they can't do anything about it horrible horrible company… show more
Feb 27, 2020
They hang onto funds as long as possible, their customer service is non existent. They could not explain why my paycheck wasn’t deposited even though my employer processed it correctly. Avoid this company!
Apr 04, 2020
I’ve used this card for several years, and up until six months ago, it was fine. Then I noticed an abrupt decline in their service. My fees in the last 60 days total almost $50 - which include .75 for entering the wrong pin at the atm, fees for balance inquiries, fees for a negative balance which should never have been able to occur, etc. additionally, I rented a vehicle and THREE WEEKS LATER I have yet to receive the $230 deposit. They routinely keep refunds from posting for 7 days or more after they should have been refunded. I live in Michigan and am filing a complaint with the Attorney General. I would encourage anyone experiencing these issues to do the same.… show more
Mar 12, 2020
I used to love Amex Serve, for years, but it's turned really awful of late. Among the other issues I've had, I recently had a fraudulent charge on my account. It will take weeks, all in all, to get it resolved, and who knows if they'll even issue me a refund after all that. I've spent hours on the phone trying to sort this out. I was unable to upload my declaration of fraud and had to spend hours again on that. My new card won't arrive for 7-10 days (although if it really arrives when they say it will, I will be shocked.) They take up to 45 days - 45 days!!! - to analyze my fraud claim. Meanwhile, I'm just plain old out the money, and I will probably never see it again. This comes after a situation where they lost my direct deposit for 3 days, so now I won't use that service. All in all, just very disappointed with the recent customer service, and I have 100% lost faith in the security of my account, so even when I eventually do get the new card, after this is resolved I will be closing my account.… show more
Mar 07, 2020
American Express has proven to me what ive always suspected from them. That is their double standard approach towards their own customer base. On one hand they have the Amex platinum and Amex gold Card customers and on the opposing end they service the lower echelon clientele with a prepaid product interestingly called Serve. This is a prepaid debit card/checking account mostly used by non credit worthy customers who have yet to establish a good enough credit rating or have somehow soiled their credit rating with late payment history and/or complete defaults on their loans. Whatever the case, regardless of intent or circumstance the results are usually quite negative, and the consequence is the inability to obtain credit cards and loans, as well as insurance policies and in some cases jobs; positions may not be offered or withheld from otherwise qualified deserving candidates. Sadly these same people may have been able in many instances to correct their credit woes if they could establish gainful employment. Its a catch 22 and the more misfortunes in ones life the greater the barriers to rebuilding ones life will become.
Amex platinum card holders, typically have much more money and disposable income then a Serve card holder may have. Yet the Serve card has hidden fees for almost any occasion. Try to check your account balance using an atm machine not on the money pass network lately? Well if you do then a fee will be assesed for that privilege. Did you attempt to withdraw an amount greater than your $750 daily limit allows? Try it with serve and you'll be penalized for the attempt. Regardless of network a charge will be assessed for merely attempting. It appears on your account as an overlimit attempt fee of .75 cents. Ever try to contact customer service which they claim is 24 hours. There are no options to reach a live operator at serve unless you are calling to advise them of a lost or stolen card. This is prosperous. There is noone else to speak to regarding anything other then reports of lost or stolen cards. I suggest you speak to those guys regarding anything and everything because theres just no other choice. Also, lastly i would like to point out the fact that some merchants refuse the serve card because it has no chip function. Considering that Amex cards are accepted in fewer places than the traditional Visa or Mastercards this only adds insult to injury. American Express clearly expresses a bias toward the higher more capable of absorbing miscellaneous fees class of people and a double standard of service and support in their daily course of business.… show more
Amex platinum card holders, typically have much more money and disposable income then a Serve card holder may have. Yet the Serve card has hidden fees for almost any occasion. Try to check your account balance using an atm machine not on the money pass network lately? Well if you do then a fee will be assesed for that privilege. Did you attempt to withdraw an amount greater than your $750 daily limit allows? Try it with serve and you'll be penalized for the attempt. Regardless of network a charge will be assessed for merely attempting. It appears on your account as an overlimit attempt fee of .75 cents. Ever try to contact customer service which they claim is 24 hours. There are no options to reach a live operator at serve unless you are calling to advise them of a lost or stolen card. This is prosperous. There is noone else to speak to regarding anything other then reports of lost or stolen cards. I suggest you speak to those guys regarding anything and everything because theres just no other choice. Also, lastly i would like to point out the fact that some merchants refuse the serve card because it has no chip function. Considering that Amex cards are accepted in fewer places than the traditional Visa or Mastercards this only adds insult to injury. American Express clearly expresses a bias toward the higher more capable of absorbing miscellaneous fees class of people and a double standard of service and support in their daily course of business.… show more
Feb 19, 2020
Serve card website is broken, and when you call to get help the give the ran a round and just keep sending email to create a uid and password. I already done 5 times. I just want my card activated. I same the same issue with two card, this is ridiculous.
Feb 14, 2020
I don't doubt all these bad reviews because no prepaid card is without some issues but my experience has been great. I pay a 1.00 monthly fee (which is why I am reluctant to close my account because if I want to open it again, the fee will have gone up I think) I've had this card for a long time and get my paychecks on it. The only downsides for me have been the out-of-network atm fee totals 5.50 with their fee and the atm's fee and several places I regularly go don't take american express. I love the reserve account feature which I can move money back and forth as much as I want unlike with my bank account where I can only do it 6 times a month. I really like the app and I get balance alerts every day and can text BAL to get my balance at any time. However if you want a comparable card with no fees, switch to american express bluebird. It is essentially the same except no monthly fee and the reserve account is called a "setaside" account. The only reason I'm switching from bluebird (to Chime) is because again, many places I go don't take amex like goodwill and costco. Look up chime, it's Visa, no fees, free savings, app etc. But this serve card has served me well up until now. Plus you can't get cash back at the register with serve or bluebird either.… show more
Feb 07, 2020
Worst card company ever, I called and reported my temp card lost on 2/1 they send me two cards either linked to my account with my money on it. The tell me no one issued a replacement for a card on the 1st (I also called on the 2nd to see if they had away to access fund during the wait, he confirmed it was shipped). This is after a week wait, they have 0 ways to access money without a card. Now its a total of 14 to 20 days for a card. They tell me I have to pay 20 bucks if I want it any faster. Like Im the one who messed up. They take no responsibility for the mistake they make?… show more
Feb 06, 2020
This is the worst card to get . I’m trying to get money back from fraud charges on my account. The charges are over thousands of dollars. Been fighting with them since July of 2019.Was told this morning after Submitting multiple police reports and FTC reports that they will not be refunded me my money back in my case has been closed.
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
02/06/20
Have y’all had any luck ? I’ve been dealing with this since July of 2019 and was told this morning that the info I’ve sent isn’t enough . I’m out of 3,000.00
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
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
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Last updated on: May 18th, 2020 at 14:20
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.
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Offer last updated: May 18th, 2020 at 14:20 ET