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ATM Withdrawals

Access your money from any ATM that accepts Visa® or American Express® Cards.
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Free in-network ATM withdrawals¹

For Serve® Bank Account and Serve® American Express® Prepaid Debit Account cardholders, you can enjoy FREE ATM withdrawals at over 38,000 MoneyPass® ATMs nationwide. 

FAQs

Which ATMs can I withdraw money from?

Once you have successfully completed online registration and email verification, including setting up a PIN, you can use your Serve card at the following ATMs:

  • Use the Serve® Bank Account and Serve® Pay As You Go Visa® Prepaid Card for ATM withdrawals everywhere Visa debit cards are accepted, including international ATMs.
  • Use your Serve® American Express® Prepaid Debit Card at ATMs that permit American Express transactions within the United States and Puerto Rico. 

Where can I find a MoneyPass® ATM?

MoneyPass ATM locations can be found at https://www.moneypass.com/atm-locator.html.

 

Note: MoneyPass Network ATMs are not available in all areas, including the US Virgin Islands.

I was charged a fee at an ATM that I believed to be a surcharge-free MoneyPass® ATM. What can I do?

If you believe you were charged a fee at a MoneyPass ATM that should be surcharge-free, you may contact us 24 hours a day, 7 days a week at the numbers below:​

  • For Serve® American Express® Prepaid Debit Accounts, call 1-800-954-0559 ​

  • For Serve® Bank Account or Serve® Pay As You Go Visa® Prepaid Card, call 1-833-729-9646

ATM safety tips:
  • Be aware of your surroundings, especially at night, and be cautious when withdrawing cash. Avoid showing or counting cash at the ATM. Put it away immediately and count it when you are in a secure location such as your car or home.
  • Be sure no one sees you enter your PIN.
  • When using an ATM with a door, close the entry door completely and do not open the door to anyone you don’t know.
  • The activity around ATM facilities may be recorded by surveillance cameras. If you notice anything suspicious do not use the ATM, and, if you’re in the middle of a transaction, cancel it, leave immediately and visit another ATM.
  • If you must use the ATM at night, consider taking someone with you.
  • Keep safe or securely get rid of your ATM receipts.
  • Report all crimes immediately to the operator of the ATM or local law enforcement and call 911 if you need emergency assistance. For complaints about security at ATMs, contact the operator of the ATM and:

-In New York call: NY Department of Financial Services 877-226-5697.

-In New Jersey call: NJ Department of Banking 609-292-7272.

Are there any fees, limits or restrictions for ATM withdrawals?

Please see your Serve product below for fees and limits associated with ATM withdrawals:

  • Serve® Bank Account: Enjoy free ATM withdrawals at over 38,000 MoneyPass® ATMs nationwide. Transactions at non-MoneyPass ATMs have a $3.00 Serve fee. ATM operator fees and decline fees may also apply. See the list of all fees and limits regarding ATM withdrawals in the applicable Deposit Account Agreement at serve.com/legal.
  • Serve® Pay As You Go Visa® Prepaid Card: ATM transactions have a $2.25 Serve fee. ATM operator fees and decline fees may also apply. See the list of all fees and limits regarding ATM withdrawals in the Cardholder Agreement.
  • Serve® American Express® Prepaid Debit Accounts: You can enjoy FREE ATM withdrawals at over 38,000 ATMs in the MoneyPass® ATM network in the US. Transactions at non-MoneyPass ATMs have an up to $2.50 Serve fee. ATM operator fees and decline fees may also apply. See the list of all fees here and the schedule of account limits here. Please see the appropriate Serve Consumer User Agreement for more details.

Can subaccount users get cash from an ATM?

Yes, a subaccount user can use their Serve card at eligible ATMs once they have activated their personalized card and verified their email. If you wish to disable ATM access on your linked subaccount cards, log into your Serve account, select the subaccount you wish to restrict ATM access, and click or tap the Settings icon to access “Subaccount Settings.”