Visit your tax preparer to learn about the cost and timing of all filing and product options. Available with preparation of 2022 federal tax return through Feb. 28, 2023. Serve is a prepaid card account, much like an online bank account, with many similar features to Bluebird. You can add and withdraw funds, pay bills, and transfer money to yourself or other Serve account holders.
- Otherwise, you may face withdrawal fees of up to $2.50.
- Mobile deposits are also convenient, but you may need to wait up to 10 days or pay a modest fee before funds are available for spending.
- The prepaid debit card market is fragmented, meaning no single company carries enough market share to dominate it.
- You can set aside money to save, pay your bills, deposit your checks and have access to your cash whenever you need it.
- As an American Express product, your Serve account gives you access to the consistently reliable American Express Customer Service team, with a live person available 24/7 to take your call.
You can set aside money to save, pay your bills, deposit your checks and have access to your cash whenever you need it. A user-friendly app and website make keeping track of your finances fairly simple too.
What Atms Can I Use With An American Express Serve Card?
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The Ability To Write Paper Checks
Of the two prepaid accounts, Bluebird by American Express is the only one that lets you write paper checks. They’re called Reserve accounts and they enable you to set up goal-based savings funds. Customers of both cards can reload cash at the register through the retailer locations of CVS/pharmacy, Dollar General, Family Dollar, Rite Aid, and 7-ELEVEN. However, there is a reload fee (up to $3.95) that varies depending on the retailer. Softcard (formerly named Isis Wallet) is an app you can download to some smartphones that allows you to make contactless payments with your phone. If you have an iPhone, you’ll also have to buy a special case that allows you to use Softcard.
Prepaid cards are typically issued by the same payment networks that issue regular debit and credit cards, including Visa, Mastercard, American Express, and Discover. But cash isn’t conducive to online transactions, and there’s no protection if you lose your cash or someone steals it. A credit card, if you’re eligible for one, may be a good choice, especially if you pay your bill on time and in full every month and need to build your credit. However, credit cards make it easy to accumulate too much debt if you’re not careful. Finally, a traditional debit card is a convenient option if you can qualify for a checking account. You may be wondering how a debit card can help you save money. Plus, you might be thinking you don’t need another debit card as you already have a prepaid card or two in your wallet.
The Serve FREE card, which offers free cash deposits with a monthly fee of $6.95, makes sense for those who have no bank account and primarily earn wages in cash. The Cash Back card, which offers 1% back on purchases with no annual cap, has a monthly fee of $7.95. Cash-back rewards are virtually nonexistent with debit cards—especially prepaid cards—so this is a unique offering.
One of the great features of these different versions of the card is the ability to create sub-accounts. You can get a separate prepaid card for each sub-account you open. The first step in canceling your account is to transfer out any remaining funds.