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
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ACTIVATION FEE
None
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MONTHLY FEE
$6.95 Monthly Fee (no fee NY, TX & VT)
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SIGNATURE TRANSACTION FEE
Free
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PIN TRANSACTION FEE
Free
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IN-NETWORK ATM TRANSACTION FEE
$0
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ATM NETWORK SIZE
24000 ATMs
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OUT-OF-NETWORK ATM TRANSACTION FEE
$2.50
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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 24,000 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
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LIVE CUSTOMER SUPPORT
Free
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AUTOMATED CUSTOMER SUPPORT
Free
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RELOAD OPTIONS
Direct Deposit, Cash Reload, Bank Transfer, Check Reload
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CANCELLATION FEE
Free
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INACTIVITY FEE
None
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Customer Questions and Answers
Don't see what you're looking for? Submit your question about American Express Serve® to our community.
When I try to register my card I get the "Unable to register" message... What am I doing wrong? Reply 107
Mark Brown
Jun 24, 2016 · @markb120
It may be because someone had logged into your account.
10
Upvotes
I love my Serve card but want to avoid ATM fees. How do I get cash back from the register with purchase? I've tried at the grocery store and at Walgreens and I cannot do it. Can anyone help? Reply 912
Carly Argenbright
Nov 5, 2015 · @carlya
Not sure where your from but WaWa has no fee for the card
9
Upvotes
I'm trying to deposit my payroll but the app will not submit the check. When I select the submit button it does nothing. This is irritating! Does anyone know what is causing this? Reply 98
Mark Brown
Jun 24, 2016 · @markb120
When downloading the Serve app americanexpressserve go to mobile check deposit. I had to speak to someone from another department who asked for my driver's license then the check went through.
9
Upvotes
Can I take all of the money I put on the card back off? Reply 812
Charlotte Blackman
Jan 31, 2016 · @charlotteb_3
You sure can not! You can't get cash back. Period. According to their pretentious cust. serv rep that's "not a feature of this card". You can drive far as heck to one of their in network ATM's or pay $6 per transaction at a closer one. No cash back period. On a debit card! Unbelievable. So angry I had my paycheck go on this, can't wait to switch cards! I recommend vision or netspend. Definitely not serve!
8
Upvotes
How to close the Serve card? Reply 7459
Micheal Peck
Mar 15, 2016 · @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 6143
Mar 7, 2018 · @paul_matheu417
Whatever is that you have on your card the only amount you can spend, there are no overdrafts with this card.
61
Upvotes
American Express Serve® Reviews
Share your insights and review the American Express Serve®.
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.
Comment
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
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
01/21/19
HI i read your comment im not with the company iv been with american express almost a year i haven't had any problems with my cards i love my cards its boosted my credit score to 740 i pay my accounts 4 days before the due date so iv never been late on my cards and they have treated me very well i give them a five star. And for the atm you can only use certain ones why pay fees for a atm just go to the bank take what you need out of your account.… 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
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
02/15/19
did you ever get your money back? if so how long did it take? I agree their customer service is a freaking joke. Hope this got resolved
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
Jul 26, 2018
If you are thinking of getting this card, I suggest you don't. I had this card for over a year because I was not able to get a checking account because of my credit history. Luckily I got that resolved. I had money taken out so many times from other account and different transactions from weird places. Not too long ago I had a transaction made from someone named "Loraine Sasser". This lady hacked into my online account and made a direct deposit of all my money into her account and left me with nothing but $0.98. So I called the bank and was on the phone for 2hrs trying to get my issue resolved and I got no where. I suggested they give me a credit or speed up the process and got nothing. This is the worst prepaid card out there. You are probably better off getting green dot. Honestly do not get it. The costumer service representatives are not helpful at all.… show more
Jul 25, 2018
Where to Start?
Tax Refund- We received our deposit for our tax refund (late) and went to use our card. Denied. Went to the ATM. Denied. Called Customer Service. No calls were getting through. We were not able to access any funds on our card including the funds that were on the card prior to the Tax Refund.
AmEx says they received to many funds at once and it crashed their system.
Direct Deposits- Like clockwork in the beginning we received our direct deposit on schedule almost down to the minute. After the tax refund issue they began to hold direct deposits. Some times they would not come until the day of. I called and they stated that as soon as the money hits their account they distribute the funds. Well, my company gave me documentation of when the money was sent to my account and I got it the following week. They had not answer for what happened. This has happened on more than a dozen occasions. I have even had problems with my son SSI and my husbands job. So they can't say it was "my companies fault".
Refunds- Whether its a refund for a product you return or gas purchased I was told that they could take up to 30 days to refund the money. Really? 30 days.
Customer Service: Pointless. As a matter of fact, I noticed that if you have an issue their system suddenly shuts down. This is like every other call.
I am starting to think that they are taking advantage of us by holding our money to gain interest on it. Now I have a bank account where I don't have these problems. I guess this is a common thing which is why most stores don't want to accept American Express.… show more
Tax Refund- We received our deposit for our tax refund (late) and went to use our card. Denied. Went to the ATM. Denied. Called Customer Service. No calls were getting through. We were not able to access any funds on our card including the funds that were on the card prior to the Tax Refund.
AmEx says they received to many funds at once and it crashed their system.
Direct Deposits- Like clockwork in the beginning we received our direct deposit on schedule almost down to the minute. After the tax refund issue they began to hold direct deposits. Some times they would not come until the day of. I called and they stated that as soon as the money hits their account they distribute the funds. Well, my company gave me documentation of when the money was sent to my account and I got it the following week. They had not answer for what happened. This has happened on more than a dozen occasions. I have even had problems with my son SSI and my husbands job. So they can't say it was "my companies fault".
Refunds- Whether its a refund for a product you return or gas purchased I was told that they could take up to 30 days to refund the money. Really? 30 days.
Customer Service: Pointless. As a matter of fact, I noticed that if you have an issue their system suddenly shuts down. This is like every other call.
I am starting to think that they are taking advantage of us by holding our money to gain interest on it. Now I have a bank account where I don't have these problems. I guess this is a common thing which is why most stores don't want to accept American Express.… show more
May 28, 2018
I had unauthorized charges for uber and lyft total 204they woul not credit it back to my card the raud dept told me i had to call uber and lyft this was clear fraud charges i never made what happened to zero liability will not recommend or use this card with jackson hewitt next tax season
May 09, 2018
BE CAREFUL !! I used mine to pay for gas at the pump. I pumped $19.00 and they put $70.00 ON HOLD. I called and they said that is the practice and it could take a week for the hold to be released and for actual amount to show up. I also used it to purchase a pizza on-line to be delivered. AMEX put the total on hold plus another 20% - they said this is for incidentals until it is settled. It still has not been adjusted. Not a bad card but don\'t use it for gas at the pump and be careful using it on-line… show more
Apr 22, 2018
This card is the worst prepaid cc I have ever had. Anything happens where you have to deal with customer service your in a jam believe that. I think the whole service is trash including but not limited to the customer service it's really just the whole account they hold your money for stupid stuff everything is a 7 day hold terrible company...please avoid them at all cost or don't say I didn't tell you so.… show more
Apr 18, 2018
Worst card ever! Cant ever get cash back and fees are horrible. Hard to find atms that dont charge. Alot of places dont accept american express. Never again will i use this for direct deposits im getting a walmart debit card much better i hear.
Apr 12, 2018
0 stars!!!!!
PLEASE PLEASE, JUST DON\'T GET THIS CARD!
Believe me, someone (NOT ME) made some transactions from my account, they drained my money, almost $2 000 and this people told me there is no fraud so I don\'t get my money back! How in the hell could somebody just made 4 money transfers???? Now I have no money!
PLEASE PLEASE, JUST DON\'T GET THIS CARD!
Believe me, someone (NOT ME) made some transactions from my account, they drained my money, almost $2 000 and this people told me there is no fraud so I don\'t get my money back! How in the hell could somebody just made 4 money transfers???? Now I have no money!
Apr 09, 2018
I liked serve but it’s hard to rely on it as a bank account. I spent 12.00 in atm fees last week because I needed to pay my rent and I didn’t realize WALMART doesn’t have money pass ATMs anymore. Many places don’t accept American Express which causes chaos when you have a buggy full of groceries. The bill pay option is amazing. Honestly some big banks I’ve had didn’t have those type of features. It basically is a bandaid for one of Serve’s bigger flaws, Many of the bills I paid online didn’t accept American Express so I had to set them up as a biller which got the bill paid but I’ll be honest it took a lot longer. I like the sub accounts. They made giving my wife money hassle free. I went at the review in a Serve vs Bank account mindset. Serve however beats every other prepaid card out there. But still I rate it 3/5, if serve was more broadly accepted in my area and had more free ATMs. I would keep the service.… show more
Mar 23, 2018
It’s difficult to understand how to activate the card. Every time I tried to activate mine the server is down. I tried calling Customer Service but all I got was a machine that didn’t have any of the options I wanted. Plus, when I checked my balance (I have never used this card and I know the person who gifted the card to me) it only had $7.50 when it should have had $25! Definitely would not recommend this to anyone - go somewhere else for a card.… show more
Mar 17, 2018
biggest piece of crap card and company!!! Can't use the temporary card unless you go out and reload it at a f%$# store....or wait for a new one!! idiots....hope they lose a major customer base!!! Their customer service is very unprofessional as well!
Mar 13, 2018
Worst card even I don't know why tax places went to this card for tax refunds I would stay far away I had a refund for a Internet order that was never shipped to to back order place I bought it from refunded right away when I cancelled order but now American express has had a hold for review on my $400.00 for over a week this is bull it is not there money
Mar 12, 2018
WORST CUSTOMER SERVICE ever!!! I would recommend any other prepaid debit card other than this company. I have not only been put on hold for 10 minutes or longer but also they will hang up in your face. This happens each time I call and at first I really wanted to give them the benefit of the doubt, because things happen, calls drop, systems go down but EVERY time I call, someone with a thick accent will put me on hold and never return and thats just horrible customer service. I had a company take amost $170 out of my account for services never rendered and so I went ahead and disputed this with AmerExpress Serve and not only jas this taken over 2 months but NO RESOLUTION, I actually have to get my own money back because this company has not and does not have any intention on getting mw refunded. This company does not have ANY reps in the United States and I wish someone would have told me, I WOULD HAVE NEVER signed up for a card company that has no connection to the US. This company does not get 1 star or half a star from me. Choose your prepaid card merchant more wisely than I did.… show more
Mar 12, 2018
Had an issue with American Express Serve. I used Billpay to pay my final Verizon bill. Fast forwarding 14 months later, I get a call from a collection agency saying Verizion never received payment. I contacted Verizon Corporate department. They believe my payment went through American Express via an ACH transaction. Verizon requested me to get an ACH Transmittal report from American Express. I made several phone calls, wrote several letters.. Even sent a certified letter with signature required.. They can't help me because its been over a year. The amount of time to dispute the charge ran out.. I'm not disputing the charge, I just want information where the money went.. Apparently they can't keep track of where my money went. I'll probably have to pay this bill again to clear it.. Otherwise the service is alright, Sometimes I get frustrated if I go to a restaurant, buy gas at pay at the pump, stay at the hotel a grossly high amount of money is put on hold until things process. At least now if I gas up at Shell, the automatic hold seemed to drop from $75.00 to $50.00.. I haven't been able to figure out a flat percentage on what Amex figures for a tip.. Sometimes its 30%.. Sometimes 20%.. Sometimes 40%... I recently loaded my tax refund on there when i did my taxes with Turbo Tax, and the money was on the card in a few days. I like the serve account for some of the features, putting money on reserve is an excellent security feature.. Sub Accounts are good. I don't like the fact that customer service representatives are outsourced with strong accents.. They need to hire more Americans..… show more
Mar 04, 2018
I set my card up for direct deposit 2 weeks before being issued a check. My direct deposit should have hit on Friday but I still have not seem my check. I\'m about to cancel direct deposit. I had no issues with my tax refund but I still need my weekly pay checks
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Last updated on: April 10th, 2019 at 18:08
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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: Apr 10th, 2019 at 18:08 ET