American Express Serve®

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.

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.

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!

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

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.

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..

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

This card is great! I love the bill pay feature and th convenient ways to add money. The lowest to no fee of the majority and excellent customer service. Mobile check feature is horrible. That the reason for a 4 star rating.

if I could give 0 stars I would terrible cust service their systems crashed and my card would not work I was at Walmart with 200 dollars in groceries my card would not go through but every time I swiped it sure took the 200 out of my account now my money from my pay check is on hold for up to 8 days for them to verify the transaction was declined and every time you call the automated service just hangs up on you its bs I will be closing this card

Im having the exact same issue as other people...the system updating and I cannot use the ATM...thats bullshit!!!! Never again! Nothing but problems with this card...no customer service, no English speaking reps...absolutely hate it

I wish I could give less then one star, I've been a loyal customer for four years and this year has showed me they don't care about their customers one bit. With the tax issue for 2018 going haywire today 2/17/18 I didn't know it was down when I had called my it insurance people to pay my bill. It was declined 2 times, there was plenty of money on my card. I then googled and found out they had shut down because of being over loaded. Finally 13 hours later 1am I was able to use my app again and saw they had charged my account anyways even though it was declined. I sat on the phone for 1 hour till Julie answered and her spew of it's not our fault that your card was declined. And I have to wait for them to decide if it was my auto insurance company who declined the card or I didn't have any money in my account. I told her to look my account and I have plenty of money I'm my account. She called me a lier and oh well if I don't get my money back. Horrible customer service ever. Don't use this company everyone. After I get my money off the card I'm cutting it up.

I will never use this card again. Got my refund and they say they are updating the system so i cant get my money. This is a bullshit card. They say the system is down i think its bullshit. I have spoke with the fraud team, customer service,and corporate office. Its my money they cant hold it. Funny they waited to update the system the day we get our refund. They new what day the refunds would be loaded!

I will never ever trust amex serve with my tax return ....this is the 1 st and last time I use their service amex has let.me down I revieved my tax return on the serve card and now I can't use it system is down for 4 hrs so far can't speak to no customer service rep this is so beyond wrong terrible customer service NEVER AGAIN

Horrible. Use cash or get a real bank account. It's fine if you load cash on and only use in small amounts. If you need large amounts transferred or need a large amount of cash they make it so inconvenient that you just give up. Can't use this for a lot of things (including uber). If you need to call be prepared to be on hold for a half hour, explain your situation repeatedly, and then have them tell you there's nothing they can do.

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The worse Card ever. Wish I could give it 0 stars. And customer service is horrible. Would not recommend this card to anyone. They also lie about ATM fees...closed acct Immediately. Dont waste your time. They are theives

This card has the worst customer service I have ever experienced in my life. The reps are argumentative, and don't do anything to help because they can barely understand what you are saying. They say they are transferring you to a manager when they really do not. Go with a bank instead they are a rip off and they don't care about your money.

Major scam I can't believe they haven't been shut down or heavily fined in good faith I used their service for federal tax refund went to confirm activation email did not work then locked me out explained situation new card issued in 7-10 days well 3 new cards & 4 months later still no refund I have called emailed twittered only response sorry for the inconvenience new card on its way that response only took 2hrs on the phone being passed around dept. to dept. Besides the other times disconnected left on hold never to be responded back to lied to total fraud I know family & friends who also used their services all with negative experiences some card holders all ready who were suddenly locked out supposedly for clause violations never exp!aimed or proven

I had fraudulent ATM withdrawals from my account and do not know how this could happen when I still had the card in my possession! It was about 1200.00 in ATM withdrawals from multiple atms in another state. I called customer service and they cancelled card and transferred me to fraud and I put in a claim and they stated I will be refunded 5 to 7 business days. Here it is 2 weeks later and still I have not been refunded. This caused me to be late on rent for the first time and had to wait for another direct deposit to pay rent whereas I'm out of 1200.00 to go toward other bills so I'm SOL for the month. I withdrew all the money from this card and changed my direct deposit to another card and will keep this card open until they refund my money from these fraudulent atm withdrawals! I will never do business with this trash company again. No phone call or nothing while all these atm withdrawals were being done. I signed up with Brinks prepaid Mastercard and will get a text everytime any kind of transaction occurs on my account. Screw AMEX Serve Card!!!!

Worse customer service ever..I was trying too relate a concern to customer service an she kept asking me if I understood..What she was trying to tell me..Her asking me once is a question ..Her asking me 3 to 4 times is an insult..I quess because I have a Hispanic name she figured I didn't know English.. NO CUSTOMER SKILLS

I would give them zero stars if it would let me. I've had this card for about three months and found it very difficult to use. First, there tons of businesses that just don't accept Amex. Second, I had a travel website double charge my card for a hotel reservation. It was their mistake. I contact Serve and they said there was nothing I could do but wait 7 days for the transaction to fall off of my account. I was stuck traveling with no money in my account and Serve would do nothing about the unauthorized transaction. I contacted the travel website who then got a Serve representative on the phone to clear it up and they still refused to do anything. Using this as the account for my travel funds, I was stuck on a trip with no money. This card is worthless, this company is worthless and the customer service agents have zero power, knowledge or incentive to assist customers. STAY AWAY FROM AMEX SERVE!!!!!!!

its ok.....i read online that there's no monthly fee and thats what attracted me to it, but there IS a fee, $3 or so...and u pay to put money in and take it out...they basically lied

This card is better than Netspend and Green Dot from my experience. The reserve account feature is very convenient (it acts as a savings and it comes with the card account), the mobile website is easy to navigate. I started getting my dd's two weeks after giving my employer the info. There are minimal fees compared to other cards like Netspend. The best feature is the cash back, which is unheard of for a prepaid debit card. I've only had a couple issues. When trying mobile check deposit it said my account wasn't authorized for it, don't know what that's all about. When trying to get cash back at a gas station, the terminal immediately ran the transaction as credit when it usually it asks first if it's credit or debit, this probably happened because some stores recognize amex as only credit, it was only at one location this has happened so far. Some locations do not honor amex, but they are very few.

Amex Serve Account will not return stolen funds. They may be good at first, but just wait until Fraudulent charges on your card. You will never get your money back.

I was really happy with american serve until I lost my card in Chicago...The fraud claim department put the wrong information into the system leading to my account being shut down. Now my account is closed because the mistake of a customer service representative.... Can you say worst service of all time? Anyways I ordered a new Kaiku Card from Visa looks alot better then American Express Serve.

Worst prepaid card available and by far the worst customer service you will ever experience. They are untrained, clueless, rude and extremely hard to understand as none of them speak fluent English. Beyond frustrating. Stay away from this card unless you want your money stolen.

Don't let the 1 star, negative reviewers fool you... If you want a prepaid account that does exactly what it says, Serve is for you. I have Serve for 2 years, never once had a problem. I even lost my card, and they sent me a replacement, even overnighted it to me for free. Direct deposits are fast and hassle free... I, personally, get my money 1 day early most of the time, lately it's been 2 days early. It states "up to 2 days sooner", but never makes the promise. When you money becomes available has more to do when it is processed by the bank your company draws payroll from, not Serve. At the register, it works just like a prepaid credit card, which is basically what it is, it is AMEX after all, and they DO NOT do DEBIT, which means you have to have the money available or the transaction will be decline. You cannot get cash back at the register, but you can use an ATM, and there are plenty of FREE ATM's around. I live in a small rural town, and I have 2 of them. Customer Service has always been easy to work with, thankfully, I only ever had to call 3 times... mind you, all 3 issues where my own fault. And just to make a note, I see the way people talk on here, I can only imagine who ignorant they can be to a person on the phone... no wonder they aren't willing to help you better.

If you have ever heard of "No customer service" then you've heard correctly. This card was doing well until I needed to reach out to them. Twice, I was not told the truth and on the 2nd time they refused to look into why my automatic reload did not load onto my card. They do not have State-side agents in which to speak with. I had to close my account due to the nature of the way my inquiry was handled and do to "no customer service." I would not get this card again..ever!

Great card. Payday comes two days early, which is nice. Also, I had an issue not too long ago where I lost my card, and desperatelt needed cash because my car was in the shop. I knew they had an option online to send cash to Walmart, which I planned to do. Unfortunately, you have to have an activated card to do so - and since I'd already reported the card lost I was inable to do so. Called in and spoke with a wonderful ahent, who wasn't able to help me but she said her supervisor may be able to do so. And boy did he! He made an exception and had the money sent to me via western union - free of charge! I now have a subaccount in my fiance's name just so I can transfer funds to it if my card is ever lost again. Which is convenient. If you need a prepaid card for direct deposit... you can certainly do worse.

Worst company to deal with a direct deposit. My husband's direct deposit should have shown up today but it has still not posted and we have rent to pay. I think I will contact the office of thrift supervision and make a complaint.

By far worst company i have ever used. Called because i had lost my card. They have issued me a new one but i have yet to recieve it. I needed to make 2 seperate bill payments. I called to verify if I used my account number and rounting number if i could make thise payments. The sales rep informed me that would be fine. After making the payment i see it had not came out of my account. I call back only to be told i was given false information and now i am going to be charged $30 per transcation for the bounce check the car payment will recieve. Even though all calls are recorded and they can hear the sales rep give me false information all they could do was apologize as if that helps ME THE CONSUMER!!! They pretty much told me now im responsible even though their rep told me i could. As soon as i get my replacement card i am with drawing all my funds and cancelling their service because clearly they do not care for their customers. At least Visa would have handled the situation. My advice is to NEVER EVER go with this company.

I have been with this card fa 3mnths no problems until today 122216 I didn't receive my direct deposit at the usual time ever morning they release my funds which is 5:30-5:45am. So I called and the first agent while verifying my acct hung up on me. I know this because I used the house phone that everyone has hook to their cable accts but never really use haha lol. So I calld back again and the 2nd agent didn't even verify my acct so I know she was talkn off the top of here head that there was no direct deposit on hold are even showing up in the system to come out on my regular pay date which is 122316 to check with my employer to get the transaction ID. My company payroll is always correct and on time. I work for a major company so they have their payroll account very much together. After getn off the phone waiting on my employer to get in at 7:00am to call, miraculously my deposit hits my card not even 15 mins after getting off the phone. I don't know what happen to day but regardless I dont like being lied to with a company I'm conducting business with especially when it's a company that literally holds your financial lifeline in their hands. I will be getting out while I still can. I tried to give this card a chance regardless of its reviews and personal knowledge of fraud on my sisters account through the Jackson Hewitt card but I'm afraid if I keep this card I will have a real horrific encounter like most.

Buyers be aware their loyalty is to the merchant, consider other alternatives... they will make you wait for your money...

If I could this business zero stars i would. Every representive I speak with tells me something different and then if your asks to speak with a supervisor they place you on hold and never come back to the phone. I was told I had to fill out a form because of some fraudulent activity and would receive it within two business days. A week later I'm told it will take another 7 to 10 days. The rep I spoke with (Shawn) was very unprofessional and did nothing to help me and at the end of the day I wil do everything in my power to spread the word as to why this is the worst company to do business with.

I've been using this card for at least 6 months (probably more like a year.) I have had ZERO issues. Everyone who has complained about this card has complained about customer service, so the 2-star rating really isn't accurate. I have direct deposit set up and get my paycheck 2 days before they hand them out at work (super-convenient.) Because of that, the already measly $1 monthly fee is waived. I can get cash out at any US Bank ATM (super convenient.) Most places that accept credit/debit cards accept AMEX. My only complaint is actually about the Android app - I have yet to be able to deposit a check by taking a picture. That function pretty much just doesn't work. I did A LOT of research before getting this card, and it really IS the best prepaid card available. It is unfortunate that a few people have had negative experiences with customer service, but don't let that dissuade you from getting this if you're in need of a prepaid credit card...

This is the best prepaid card in existence. Free to reload. No extra charges to use the card. Not perpurchase or monthly fee. And i see comments. The merchant may refund it but it doesn't happen over night. I was charged and the merchant returned it. I called cause it was on my card n when i asked the merchant i was told it takes 5-7 for them to send it back. Even tho it took 5 seconds for them to charge me. Its not the card ots the store. 2Years with this card so far so good

I have been waiting for a portion of my payroll deposit to hit my card. My payday WAS 4/15/2016. Today is Wednesday, 4/20/2016. STILL WAITING!!! Where the hell is my money??? This whole SERVE card operation is hoax!! They are stealing all of our hard earned money. NEVER AGAIN. Just stick to the actual bank cards that are tied to an ACTUAL BANK. So frustrating! Everytime I call, they just say they are having phone difficulties and to call back. Who is bank affiliation? I'm calling them M'Fers next. This is ridiculous

Customer support sucks I cannot reach anyone ever I am cancelling this card rip off completely

Absolute WORST customer service department. I've been using Serve since day one. Literally! Over the last year my average spending per month via serve is $3360 yet when I call I'm treated like garbage. In the 30+ times I've called it's been the same result...a rude, defensive, arrogant representative. Never once have they fixed anow issue, they're simply there to inform you that what ever your problem may be will have to wait as they have no authority to make any changes to pending or completed transactions. Most recently I was told that "it's a privilege to be able to use this card, you should feel privileged sir" right Absolute embarrassment of "customer service" staff

Worst! company ever....it's been over one month that I have been waiting for my refund after they suspended my account. It was only because I called today to inquire about the status of my refund, that my acct was sent off for "review" which will take another 3 to 5 business days and then ANOTHER 7 to 10 business days before they'll process my refund. Do NOT get this card!! They're thiefs!