Using the American Express Serve® Card for Your Tax Refund
If you choose to have your tax refund deposited onto a Serve® prepaid debit card, you can enjoy a secure, flexible, and easy way to access your funds. The Serve® card is accepted anywhere American Express® Cards are accepted, and offers a range of benefits.
Benefits
- Free online registration
- No credit checks
- No minimum balance
- Easy to load:
- Use Direct Deposit to receive paychecks or government benefits.
- Load cash at over 45,000 participating retailers, such as CVS, Walmart, Family Dollar, and 7-Eleven.
- Free reloads are available with the Serve® Free Reloads card. Other card types may have fees.
- Deposit checks using Ingo™ Money through the Serve® Mobile App (available through the App Store or Google Play).
- Data rates may apply.
- Link a checking/savings account or debit card.
- Important: Check with your bank for any applicable fees.
- Easy to use:
- Use virtually anywhere American Express® Cards are accepted to pay bills, buy groceries, or shop online.
- Withdraw cash for free at MoneyPass® ATMs
- Transactions at non-MoneyPass® ATMs will incur a $2.50 Serve® fee. Additional fees may be charged by the ATM operator. See American Express Serve for details.
- Send and receive money between family and friends with Serve® Accounts
Note: You cannot fund your Serve® card using gift cards.
Identification and Information Required
Federal law requires American Express to obtain, verify, and record information that identifies each person who applies for a Card to fight terrorism and money laundering. When you choose Serve as your refund method, American Express will ask for the following:
- Full Name
- Street Address
- Date of Birth
- Identification Number (e.g., SSN)
- Email Address
- Mobile Phone Number
Activation
To activate your Serve® card:
- Open the activation email with the subject: Please Set Up Your Online Account.
- Enter your Date of Birth and Social Security Number.
- Create a Password and a 4-digit PIN.
- Select a Security Question.
- Review and accept the Privacy Statement.
- Activate your card at American Express Serve® using your card number and 3-digit CSC.
Once your card is activated, you can follow the prompts for additional information about your American Express Serve® card.
User Agreement
For full terms and conditions, including transaction limits, visit the Serve® Free Reloads Consumer User Agreement.
Support
If you have questions about your Serve® card, or need additional assistance, visit the American Express Serve FAQ ® page.