| Get started |
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| Card price | Up to $3.95 | $0 to sign up online. |
| 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. |
| 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. |
| Direct deposit | $0 | |
| Mobile Check Capture by
Ingo® Money | | |
|
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. |
| 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.
|
| 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. |
| Spend money |
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| Online Bill Pay | $0 | |
| 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. |
| 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. |
| 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. |
| 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 |
|---|
| Customer service (automated or live agent) | $0 | Available 24/7 |
| ATM balance inquiry (in-network or out-of-network) | N/A | |
| Using your card outside
the U.S. |
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| Foreign transactions | 2.7% | After conversion to US Dollars. |
| 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. |
| 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. |
| 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. |
| Inactivity Fee | $0 | |