How Much Money Can I Have On My Serve Card
If you need a prepaid debit menu with no credit check, no minimum residue requirement, and no hidden fees, the American Express Serve card may exist just what you lot're looking for.
This bill of fare offers a depression monthly fee, forth with free ATM access at more than 24,000 MoneyPass ATMs nationwide.
All you need to register for an American Express Serve business relationship is an Cyberspace connectedness and the card is just as easy to utilise as it is to go.
Not only that, just information technology comes with many of the perks you lot'd expect from American Express.
What Is American Express Serve?
American Express Serve is a prepaid, reloadable debit card that tin can exist used nearly anywhere American Express is accepted.
For example, you lot can utilise the card to pay bills, store online, withdraw cash at MoneyPass ATMs or pay for everyday purchases.
If your friends or family members have Serve accounts, you tin also use your carte to send and receive coin with no fee.
Serve by AMEX Card Pros & Cons
| Pros | Cons |
|---|---|
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Main Features of the American Express Serve Carte
The American Express Serve card has a lengthy list of features and benefits. We've highlighted the ones that we think concord the well-nigh appeal for prepaid card users:
Low monthly fee
Information technology'll cost you just $1 each calendar month to maintain your Serve account. The fee drops to $0 if you load $500 or more to your card each calendar month via directly deposit.
No minimum residual
Some prepaid cards penalize you if your balance drops beneath a sure amount. American Limited Serve doesn't crave y'all to have a set amount of greenbacks in your account.
Mobile check eolith
It's easy to add coin to your carte using mobile check deposit. To apply this feature, you simply need to download the free American Express Serve app to your smartphone.
Gratuitous ATM withdrawals
At that place'south never a fee to withdraw greenbacks with your American Limited Serve card at a MoneyPass ATM. The fee for withdrawals at non-MoneyPass ATMs is $2.50 per transaction.
Free reserve business relationship
If you lot desire to salve up for a big purchase or a weekend getaway, you tin can park actress greenbacks in your reserve account until yous're ready to utilise information technology.
This is a separate business relationship that'south linked to your American Express Serve card and it's gratis to transfer money in and out.
Subaccounts
If you want to add together other users to your Serve business relationship, subaccounts are the reply. You lot tin gear up up a subaccount with its ain Serve carte du jour for anyone over age 13. Equally the master account holder, y'all're able to prepare limits on spending and review each bill of fare's transaction history.
Complimentary budgeting tools
American Express Serve members can use the Insights characteristic to track and categorize their spending. If y'all have trouble sticking to a upkeep, that can be a huge help.
American Express benefits
Your American Express Serve card comes with gratis fraud protection and buy protection, along with 24-60 minutes roadside assistance and access to the American Express Global Assist travel hotline.
American Express Serve Menu Fees
The American Express Serve card is fee-free for the about office but sure transactions will cost you actress.
For example, adding greenbacks to the card at a participating retailer will cost you lot upwards to $three.95 each time. You tin load cash at thousands of places nationwide, including Walmart, Rite Aid and Family unit Dollar.
If you're using the menu for an international purchase, a 2.vii% strange transaction fee applies. Finally, if you lot utilize your card to become cash at a Walmart store, you'll pay upward to $9.49 for each withdrawal.
American Express Serve
| American Express Serve® | American Limited Serve® FREE Reloads | American Limited Serve® Cash Dorsum | |
|---|---|---|---|
| Card Cost | $0 Online Up to $3.95 in retail locations | $0 Online Up to $3.95 in retail locations | $0 Online Upwardly to $3.95 in retail locations |
| Monthly Fee (No fee in TX, NY, VT) | $ane - or - $0 when you Directly Deposit $500+x | $4.95 | $5.95 |
| Cash Back | - | - | Unlimited 1% Cash Back on purchases, no annual cap (Added to your Business relationship to use for future purchases. Account spend limits apply.) |
| Cash Reloads | Upwards to $3.95 (fee varies past retailer) | $0 at over 45,000 locations including CVS/pharmacy®, Dollar Full general®, Family unit Dollar®, Rite Assistance®, Walmart® and participating seven‑ELEVEN® locations | Up to $3.95 (fee varies past retailer) |
| Direct Deposit | $0 | $0 | $0 |
| Mobile Bank check Deposit | $0 | $0 | $0 |
| Add Money from a Bank Business relationship | $0 | $0 | $0 |
| ATM Withdrawals | $0 at MoneyPass® ATMs $two.50 at non-MoneyPass ATMs.‡ ATM operator fees may apply. | $0 at MoneyPass® ATMs $ii.50 at non-MoneyPass ATMs.‡ ATM operator fees may use. | $0 at MoneyPass® ATMs $2.50 at non-MoneyPass ATMs.‡ ATM operator fees may utilize. |
| Online Bill Pay | $0 | $0 | $0 |
| Send and Receive Money | $0 | $0 | $0 |
| Gear up Bated Money in Reserve | $0 | $0 | $0 |
| Subaccounts | $0 | $0 | $0 |
| Carte Replacement | $0 | $0 | $0 |
| 24/7 Customer Service | $0 | $0 | $0 |
| Purchase Protection on Eligible Purchases | $0 | $0 | $0 |
| Strange Transactions | 2.7% afterward conversion to U.s.a. Dollars | ii.7% after conversion to United states of america Dollars | 2.7% later conversion to US Dollars |
| Cash Pickup Powered past Ria® | Upwardly to $9.49y per withdrawal | Upwardly to $9.49y per withdrawal | Up to $9.49y per withdrawal |
How The American Express Serve Card Stacks Upwards
| American Express Serve® | Green Dot | NetSpend | RushCard | |
|---|---|---|---|---|
| Card Price | $0 Online Up to $3.95 in retail locations | $0 Online Upwards to $4.95 in retail | $0 Online Up to $iv.95 in retail | Upwardly to $9.95 Online $3.95 in retail |
| Monthly Fee (No fee in TX, NY, VT) | $1 - or - $0 when you Straight Deposit $500+10 | Upwards to $7.95 (Provider offer reduced fees plans or fee waivers based on qualifying activities) | Up to $9.95 (Provider offering reduced fees plans or fee waivers based on qualifying activities) | Up to $7.95 (Provider offer reduced fees plans or fee waivers based on qualifying activities) |
| Greenbacks Reloads | Up to $3.95 (fee varies by retailer) | Upward to $4.95 | Up to $three.95 | Up to $4.95 |
| Direct Eolith | $0 | $0 | $0 | $0 |
| Mobile Bank check Deposit | $0 | - | - | i% or 4% of check value |
| Add together Money from a Depository financial institution Business relationship | $0 | $0 | $0 | $0 |
| ATM Withdrawals | $0 at MoneyPass® ATMs $2.l at non-MoneyPass ATMs.‡ ATM operator fees may apply. | $0 | $ii.50 | $0 |
| Online Beak Pay | $0 | $0 | $0 | $0 |
| Send and Receive Coin | $0 | $0 | $0 | $0.99 |
| Set Aside Coin in Reserve | $0 | - | $0 | $0 |
| Subaccounts | $0 | $four.95 | $4.95 | $0 |
| Card Replacement | $0 | $4.95 | $9.95 | Gratis for 12 months; $4.95 |
| 24/7 Customer Service | $0 | - | - | - |
| Buy Protection† on Eligible Purchases | $0 | - | - | - |
| Foreign Transactions | ii.7% after conversion to US Dollars | 3.0% of total transaction | 3.5% of total transaction | 3.0% of total transaction |
Opening an American Express Serve Account
There are 2 means to open an American Express Serve account: online or at a participating retailer.
There's no fee to annals online and signup takes only a few minutes. You'll need to provide your name, address, email, telephone number, date of nascency and Social Security number.
American Express uses your Social Security number to verify your identity only it won't impact your credit.
In one case y'all've created your account, your American Express Serve card volition be mailed out to the address you lot used to register.
If y'all demand it faster, y'all can buy a temporary menu at any store where they're sold. Yous'll take to pay a buy fee of up to $3.95 but you can add equally much as $500 to the menu correct abroad.
Y'all can get a personalized carte du jour past registering your account at Serve.com.
How to Load an American Express Serve Card
You tin add up to $100,000 a twelvemonth to your American Limited Serve business relationship using:
- Direct eolith
- Mobile cheque deposit
- Cash reloads in-store
- Checking/debit/credit transfer
- Serve transfer
Straight eolith is the easiest way to get paid if your employer offers this service.
If you enroll your Serve account for direct eolith yous tin get your paycheck up to 2 days sooner. Even improve, there's no fee to reload using direct deposit.
Mobile check deposit is also gratuitous if you lot've got the American Express Serve app. You simply open the app, sign the check, snap a picture of the forepart and back and submit the transaction.
Just be aware that information technology can accept up to six business concern days for checks deposited through the mobile app to exist credited to your account. Mobile bank check deposits are limited to $2,000 per day.
Adding cash to your card in-shop is convenient since the money is available right abroad.
The fee for cash reloads varies by retailer simply it's never more than $three.95. You can add up to $ii,500 in greenbacks per mean solar day and up to $five,000 per month.
Transferring funds to an outside business relationship
You lot have three options for transferring coin onto your American Express Serve menu from an outside account.
You can either initiate a wire transfer from your bank, transfer funds from a linked debit bill of fare or transfer money from an American Express credit card.
The monthly limit on bank business relationship transfers is $2,000. The limit for debit and credit card transfers is $200 a day, upwards to $one,000 a month.
Finally, if you know someone with a Serve account you can accept them transfer coin directly to your card. American Limited caps Serve-to-Serve transfers at $ten,000 per month.
Transaction Limits
Besides limiting how much money you can add together to your Serve card, American Express limits what you can spend.
In general, y'all tin can spend or withdraw up to $100,000 per twelvemonth but at that place are set limits for different transactions. Hither's how they compare:
- Retail/online purchases - $15,000/month
- Bill payments - $15,000/month
- Send money transactions - $2,500/month
- ATM withdrawals - $750/twenty-four hour period
- Walmart cash pickup - $900/day; up to $2,900 for tax refunds that are deposited directly to your menu
It should be noted that you can only spend, withdraw coin or pay bills upward to a combined total of $fifteen,000 each month.
To stay within the $100,000 annual limit, you'd have to average $8,333 in combined spending on a monthly basis.
American Express Serve vs. Bluebird
The American Express Serve carte isn't the only prepaid menu American Express offers. At that place'southward also the Bluebird carte, which is billed equally an alternative to a traditional checking account.
On the surface, the American Express Serve card and the Bluebird card are very much alike just there are some central differences.
Almost significantly, the Bluebird card has no monthly fee or foreign transaction fee and it comes with check-writing capabilities.
That might exist preferable to someone who hasn't gotten the hang of paying bills online still. You can read MyBankTracker's head-to-head breakdown of the Amex Serve vs. Bluebird.
American Express Serve vs. Bluebird
| Bluebird by American Express | American Express Serve® | |
|---|---|---|
| Card Cost | $0 Online Upward to $five in retail | $0 Online Up to $3.95 in retail locations |
| Monthly Fee (No fee in TX, NY, VT) | $0 | $1 - or - $0 when you Direct Deposit $500+10 |
| Greenbacks Reloads | $0 (cash reloads only available at Walmart) | Upward to $iii.95 (fee varies by retailer) |
| Straight Eolith | $0 | $0 |
| Mobile Cheque Eolith | $0 | $0 |
| Add together Money from a Banking concern Business relationship | $0 | $0 |
| ATM Withdrawals | $0 at MoneyPass® ATMs $2.fifty at non-MoneyPass ATMs.‡ ATM operator fees may apply. | $0 at MoneyPass® ATMs $ii.50 at non-MoneyPass ATMs.‡ ATM operator fees may apply. |
| Online Nib Pay | $0 | $0 |
| Send and Receive Money | $0 | $0 |
| Set Bated Coin in Reserve | - | $0 |
| Subaccounts | - | $0 |
| Menu Replacement | $0 | $0 |
| 24/7 Customer Service | - | $0 |
| Purchase Protection† on Eligible Purchases | - | $0 |
| Strange Transactions | $0 | 2.7% afterwards conversion to US Dollars |
Final Verdict
If you value convenience and low fees in a prepaid card, American Express Serve delivers in a large way.
The reserve account is also a nice little extra for anyone who's set to start working on their savings goals.
We wouldn't recommend this carte, withal, if you frequent merchants that don't accept American Express or do a lot of traveling away.
Ultimately, the American Express Serve card is best for everyday spenders who regularly employ direct deposit and accept access to MoneyPass ATMs.
Note that the American Express Serve bill of fare is not a credit carte. For our top credit cards of 2021:
Source: https://www.mybanktracker.com/credit-cards/expert-reviews/american-express-serve-card-review-254902
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