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Get started
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| Card price | Up to $3.95 | $0 to sign up online. |
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Monthly usage
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| Monthly fee | $6.95 |
No fee for residents of NY, TX, or VT. No fee for residents of AR until you
register your card. If you signed up for American Express Serve®
prior to February 1, 2019, the monthly fee is $4.95.
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Add money
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| Cash reloads (in-network) | $0 |
"In-network" refers to reloads at over 45,000 locations including
CVS/pharmacy®, Dollar General®, Family Dollar®,
Rite Aid®, Walmart® and participating 7‑ELEVEN®
locations. The amount of each load to your Account using cash must be at least
$20.
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| Cash reload (out-of-network) | Up to $3.95 |
"Out-of-network" refers to reloads at locations other than
CVS/pharmacy®, Dollar General®, Family Dollar®,
Rite Aid®, Walmart® and participating 7‑ELEVEN®
locations. Fee varies by retailer. The amount of each load to your Account using
cash must be at least $20.
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| Direct deposit | $0 | |
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Mobile Check Capture by Ingo® Money
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Money in 10 Days
| $0 |
If your check is returned unpaid within the 10 day period, your Account will not
be funded. No minimum check amount.
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Money in Minutes
| 1% or 5% of check ($5 min fee) |
1% fee on payroll or government checks with preprinted signatures or 5% fee
on other checks; $5 minimum fee applies; $20 check minimum.
The Mobile Check Capture by Ingo Money service is provided by a national
bank identified in the Mobile Check Capture
Terms and Conditions
and Ingo Money, Inc., subject to the bank's and Ingo Money's Mobile Check
Capture
Terms and Conditions
and the bank's and Ingo Money's
Privacy Policy. All checks are subject to approval for funding in Ingo Money’s sole
discretion. Approval usually takes 3 to 5 minutes but can take up to one
hour. Fees apply for approved Money in Minutes transactions funded to your
Account.
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| Add money from a bank account | $0 |
You can add money to your Serve Account from your checking or savings account by
initiating a transfer from your bank into your Serve Account. Consult with your
bank for origination fees that may apply.
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| Add money from American Express charge or credit card | $0 |
A cash advance fee may be assessed against your charge or credit card account.
Check your charge or credit card agreement for details.
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Spend money
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| Online Bill Pay | $0 | |
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Serve Money Transfer powered by Ria®
| Up to $16.99 |
The Serve Money Transfer fee depends on the transfer amount.
$4.99 for transfers up to $50
$8.99 for transfers $50.01 - $1,000
$16.99 for transfers $1,000.01 - $2,500
See
serve.com/moneytransfer
for more details.
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Get cash
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| ATM withdrawals (in-network) | $0 |
"In-network" refers to the MoneyPass® ATM Network. See
serve.com/atm
for locations and other details.
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| ATM withdrawals (out-of-network) | Up to $2.50 |
This is our fee. No fee for residents of VT. "Out-of-network" refers to all the
ATMs outside of the MoneyPass® ATM Network. You may also be charged a
fee by the ATM operator, even if you do not complete a transaction.
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| ATM transaction decline | $0.75 |
Per ATM decline. No fee for residents of VT. Will apply at MoneyPass®
or other ATMs each time you enter an invalid PIN, exceed your ATM withdrawal
limits, or your Account has insufficient funds.
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| Cash Pickup powered by Ria® | Up to $9.49 |
Per withdrawal. The Cash Pickup service is provided by Ria® for
pick up at Walmart®. The Cash Pickup fee depends on the
withdrawal amount.
$3.49 per withdrawal for cash out up to $500
$6.49 per withdrawal for cash $500.01-$1,000
$9.49 per withdrawal for cash $1,000.01-$2,900
Withdrawals up to $2,900 are available to Serve Account holders who receive
their tax refund or refund advance via Direct Deposit into their Serve
Account. See
serve.com/cashpickup
for more details.
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Information
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| Customer service (automated or live agent) | $0 | Available 24/7 |
| ATM balance inquiry (in-network or out-of-network) | N/A | |
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Using your card outside the U.S.
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| Foreign transactions | 2.7% | After conversion to US Dollars. |
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Other
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| Send and receive money | $0 | |
| Goals | $0 | Set aside money for specific goals, emergencies, or other purposes |
| Subaccounts | $0 | |
| card replacement – standard shipping | $5 |
No fee for residents of NY, TX, or VT. Per replacement card, standard delivery
7-10 business days.
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| card replacement – expedited shipping | $20 |
Per replacement card, Fedex delivery. Card will arrive in 3-4 business days.
Expedited shipping is not available to customers in Alaska, Hawaii, Puerto Rico,
Guam, and the U.S. Virgin Islands.
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| Purchase Protection on eligible purchases | $0 |
Purchase Protection is underwritten by Virginia Surety Company, Inc., 175 West
Jackson Blvd., Chicago, IL 60604. Coverage is determined by the terms,
conditions, and exclusions of the Policies applicable to your card and is
subject to change with notice. This document does not supplement or replace the
Policy. Shipping and handling costs for the purchase will not be refunded.
Certain purchases are not covered, e.g. items lost by card Member, consumable
and perishable items, motorized vehicles and their parts or accessories, or
normal wear and tear. Other important exclusions apply. You will only be
reimbursed for the amount charged to your eligible card; coverage is limited up
to $1,000 per occurrence; not to exceed $50,000 per card Member account per
calendar year. You may be required to send the purchased item to us, in which
case we will reimburse you for that shipping cost. This product provides
secondary coverage. This means it pays eligible benefits not paid by any primary
insurance that you have. For full Terms and Conditions, see
serve.com/ppterms.
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| Inactivity Fee | $0 | |