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
Customer Questions and Answers
Don't see what you're looking for? Submit your question about American Express Serve® to our community.
How can WalletHub show this as getting almost 4 stars when looking at the reviews they are almost evenly split between good and bad? Reply 65
6
Upvotes
How can I withdraw a large amount for a one time fee? Reply 5523
Mar 7, 2018 · @paul_matheu417
You can do it thru Cash Pick up Powred by Ria. This feature will allow you to withdraw up to $2900 for tax season per day.
55
Upvotes
What is my credit limit? Reply 53
WalletHub
Jan 16, 2017 · @WalletHub
Please note that American Express Serve card is a prepaid card, not a credit card. Thus, the card does not offer a credit limit. You can only use the money you load. Please find more details here: https://www.americanexpress.com/serve/.
5
Upvotes
How long does it take for a bank transfer to become available on my Serve card? Reply 510
5
Upvotes
How long does it take for your direct deposit to post? Reply 59
Hambra Nok
Oct 29, 2015 · @hambran
Usually one business day after the deposit has been made.
5
Upvotes
I'm calling the IRS on Monday because not being able to register the card and access my refund is unacceptable! The process should not be this hard. Where is the live customer service? Reply 4828
Lisa Cahill
Mar 16, 2018 · @lisacahill
The American Express Serve customer service number is 1‑800‑954‑0559. The IRS customer service phone number is 1-800-829-1040. Hope this helps.
48
Upvotes
Can you reserve a hotel with this card? Reply 4036
Jacarri Page
Mar 1, 2017 · @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
American Express Serve® Reviews
Share your insights and review the American Express Serve®.
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
Comment
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
Feb 24, 2018
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.
Feb 20, 2018
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… show more
Feb 18, 2018
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
Feb 18, 2018
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.… show more
Feb 17, 2018
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!… show more
Feb 17, 2018
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
02/18/18
Im sure this is illegal to hold our money from us for more then 24hr its going on day 2 now
02/17/18
I have been dealing with this all day, I dont know how to get in touch with anyone because it wont let me talk to anyone when i call customer service.
Jan 09, 2018
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.… show more
Jan 31, 2017
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!… show more
Jul 02, 2017
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Jun 29, 2017
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
Jun 23, 2017
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.
May 29, 2017
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… show more
07/17/17
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May 12, 2017
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!!!!… show more
May 06, 2017
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
NO CUSTOMER SKILLS
Mar 29, 2017
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!!!!!!!… show more
Mar 25, 2017
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
Mar 24, 2017
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.… show more
Mar 20, 2017
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.
Mar 01, 2017
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.
Feb 20, 2017
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.
Feb 02, 2017
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.… show more
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.… show more
01/14/19
This post is misleading... Being nice doesn't change the wait times. Don't be fooled
Jan 13, 2017
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.… show more
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.… show more
Jan 04, 2017
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.
02/02/17
Someone did something wrong... I get my direct deposit a day early... so does everyone else I know that has Serve.
Dec 30, 2016
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.… show more
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.… show more
Dec 22, 2016
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.… show more
Oct 17, 2016
Buyers be aware their loyalty is to the merchant, consider other alternatives... they will make you wait for your money...
Jul 11, 2016
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.… show more
May 14, 2016
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...… show more
Apr 27, 2016
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… show more
Apr 20, 2016
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… show more
07/29/18
I know this comment is old but did you ever get your money? If so how long after the 20th. I'm having the same damn problem.
Apr 11, 2016
Customer support sucks I cannot reach anyone ever I am cancelling this card rip off completely
Mar 26, 2016
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… show more
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… show more
06/17/16
And furthermore, if they lock your accoint,they r basically sayn,yes your card was cloned. So now we get into punitive damages as a result of your account being lockd.What abt your bill and other expenses. Believe it or not u r in a better position than u realize. I would advise u to get the media involved also.
06/17/16
Ok,first of all let me start by sayn,this card and the reps of this card should b lock up for extortion. But b4 I get n2 that.How abt we address the issue of your situation.Trust and blieve,these bigg banks have security and protection n place to prevent these things from happenin.And they ALWAYZ have insurance n place.Maybe u should read their prote policy and study them to the fullest. U must let these guys know that ur not a pish-over and u will sue,and expose them for breach of contract.Once they realize,u will not just sit down and let them push over u,I promise u will get swift and just action. I had an incident were my card was lost and they wouldn't comply,but once i ask to speak to Voss after boss after boss,I received accommodations. The most important thing iz that u not give up. Trust me,ITZ easier than u think to get positive results.… show more
05/04/16
This company is a TOTAL RIP OFF! Someone cloned my card and withdrew 700.00 plus fees from an ATM. When I called the company they stated that they would open an investigation and send a replacement card within 7-10 business days along with a provisional credit. That was all a LIE. I also filed a Police Report with NYPD in regards to the matter and they determined that the card was cloned and is still processing the case as they await the Manhattan DA Office to sign a warrant to view the cameras of the location where the money was taken. I waited 8 days only to receive an email from AMEX SERVE stating that the dispute was declined and a second email stating that my account now has been locked and suspended. If anyone has any information as to what I can do next to get my money back please let me know. Thanks!… show more
Mar 25, 2016
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!
06/17/16
???,I dnt understnd! ! The bank has absolutely nothing to do with your refund.Ok,let me rephrase that.After the IRS send your refund,the bank has no authority to freeze or do anything concerning your money other than releasing your funds Asap.Anything else is grounds for lawsuit. As I stated earlier people. The Mr. or Mrs. nice guy approach doesn't work. U must demand and know your rights.DNT accept everything they tell u. Use common sense. If it doesn't seem right,it's probably not.Use assertion. !!! It goes a long way. GOOD LUCK TO ALL.… show more
Mar 21, 2016
am out of town because my son has leukemia. He scheduled for a bone marrow transplant. I'm not working so understandably I have to watch every penny. I tried to book a hotel room on a third party website. They took almost $200 from my Serve account but did not give me a room. I called Serve customer service and was informed that the funds would appear on my account immediately as soon as the vendor release them but they have up to 7 days to release them and then without medical experiments but 100% of those on the vendor. I called customer service for the online company and they were very Cooperative they apologized and informed me that they never took the funds they just pre-authorized for the amount of the hotel room. However if the money was still appearing as taken from my account they offered to call serve with me on the line and inform them of the error and inform Serve that they will not be taking the money. When we reached the supervisor at the surf customer service she was rude and refused to help in any way just simply saying a phone call was not sufficient that another form of communication was necessary no matter what form of communication the third party online company offered the woman that serve refused. Eventually I had to get off the phone because I needed to get back to my son. I tried calling again over and over speaking to supervisors and always that continue to blame the vendor and in some cases blame me. Serve customer service hung up on me yelled at me and accused me of using profanity when I mentioned that I'd worked in banking for 9 years. The whole experience has just been appalling. Instead of being of the focus on my sick son I'm on the phone with heartless soulless robots. I am cancelling the card as soon as all the money is released. They are holding more funds but I dont really need to go into those because the process was the same. Eventually after numerous calls to Serve customer service in speaking to supervisors one simply told me they didn't care what I needed and what the manager said that with American Express was going to hold my money.… show more
Mar 21, 2016
I love this card. I had some issues getting a bank account, and this card has been a lifesaver. All ATMs are free. My paycheck is direct deposited into my account. I can set up bill pay - just like online banking. The customer service is above and beyond ANY bank you will EVER deal with. There are never any hidden fees or overdraft nonsense. Just the customer service alone is worth it. And any charge you make on this card is protected by American Express, which means you can dispute unfair charges. I've been using this card since July, and I could not be happier.… show more
Mar 18, 2016
This company is a joke good at first than after your established they turn on u they give u mis leading information and do nothing to correct anything when they lose a 4000 dollar check through direct deposit all they say is we will give that rep a coaching and counseling close the account and shred the card that's what I'm doing as I speak worthless prepaid card
Mar 13, 2016
I've had this card for about 2 years now and have never had an issue. Love the fact that there are no hidden fees and no way to overdraft. My direct deposit has come in 2 days before all of my coworkers. My taxes came in 2 days before the IRS said it would. Maybe I've just been lucky, after reading some of these reviews. I use their ATM locator to find an ATM that doesn't charge fees & I've never paid a penny to withdraw money. (up to $750 a day) The only down sides would be that there is no cashback option and that some merchants don't accept Amex. I also am not familiar with their customer service, because I've never had to call with any issues.… show more
Mar 12, 2016
One star for services I have waited two months and ongoing for my permanent card, only for customer service to continuously replace my card and force me to wait ten days. I have bills and other important priorities to handle. To top it off they charge a card fee from my taxes for a card i have yet to receive.
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Last updated on: May 20th, 2019 at 14:48
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: May 20th, 2019 at 14:48 ET