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Info about the American Express Serve® Direct Deposit has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
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Monthly Fee
Signature Transaction Fee
Pin Transaction Fee
In Network ATM Transaction Fee
ATM Network Size : 37000 ATMs
Out of Network ATM Transaction Fee
Foreign ATM Transaction Fee
Your Full Service Prepaid Debit Card. (American Express Serve is not a credit card.)
No credit check. No minimum balance. No hidden fees
FREE Early Direct Deposit! Get access to your money up to 2 days faster with early Direct Deposit
Serve Money Transfer Powered by Ria® Send up to $2,500 for $16.99 per transaction
Enjoy American Express service and security 24/7. Shop online and off and enjoy Card Membership benefits like Purchase Protection
Underwritten by AMEX Assurance Company. Subject to additional terms, conditions, and exclusions. See additional American Express Serve® details
You can enjoy FREE ATM withdrawals at over 37,000 ATMs in the MoneyPass® ATM network in the US
| live customer support | Free |
| automated customer support | Free |
| reload options | Direct Deposit, Cash Reload, Bank Transfer, Check Reload |
| cancellation fee | Free |
| inactivity fee | None |
Can't find what you are looking for? Submit your question about American Express Serve® Direct Deposit to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
You can contact American Express Serve customer service by phone at (800) 954-0559 if you're calling from the U.S., and at (801) 449-4019 if you're abroad.
Customer service representatives are available 24/7. Additionally, you can check Serve's Help website online.
There could be several reasons why your American Express Serve card isn't working:
You can use your American Express Serve® Direct Deposit card virtually anywhere that accepts American Express. This includes:
You can check the best prepaid cards available for you to make sure that...
Whatever is that you have on your card the only amount you can spend, there are no overdrafts with this card.
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.
Unfortunately, there is no guarantee you'll be able to rent a car using a prepaid card, as most major American car rental companies do not accept them as form of payment, and instead require a credit card. The best course of action would be to call the car rental beforehand to ask if they will accept you AmEx Serve card. You may also find details of the policies held by the 10 largest rental companies...
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.
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.
Share your insights and review for the American Express Serve® Direct Deposit
American Express Serve is one of our favorite prepaid cards. It offers everything you need to say goodbye to your checking account or to check-cashing stores at a price point that’s hard to beat. Serve’s free online bill pay feature allows you to pay billers that don’t accept plastic, and its free mobile app enables you to fund your account simply by taking a picture of a check. There are only two fees to even worry about and both are avoidable. If you direct deposit at least $500 each month and withdraw money exclusively from MoneyPass ATMs, of which there are more than 24,000 nationwide, then Amex Serve will be completely free to use. As such, Serve makes for a great replacement checking account, check-cashing service or financial literacy teaching tool. And that’s all you really need to know. But if you want more information, make sure to check out our full American Express Serve review.
I've been using my AX serve for over 4 years. They make it known that it is a prepaid debit card. But when it comes to a hotel hold, it's 30 days and is only considered a cc at that time. The hotel released the funds in 24 hours. But I have to call them to send email or wait 30 days. You can not get cashback. Some merchants don't even take it. I would go with a prepaid PayPal debit MasterCard. You will get your paycheck early on most prepaid debit cards.
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Offer last updated: Oct 30th, 2025 at 10:06 ET
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