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American Express Serve

Debit Cards » Best Prepaid Debit Cards » American Express Serve

Bankrate's 2014 Prepaid Debit Cards Survey offers a rundown of the card's many variables, including fees, restrictions and factors that may affect a consumer's decision in choosing a prepaid debit card. The American Express Serve has a $1 monthly maintenance fee, but the monthly fee can be avoided.

American Express Serve

Are funds FDIC-insured?Yes
Monthly maintenance fee$1.00
Can the monthly fee be avoided?Yes
Card activation fee$0.00 online; $2.95 in retail locations
Reload fee via direct deposit$0.00
ATM withdrawal fee (issuer's ATM)N/A; but free at MoneyPass ATMs
Nonissuer's ATM withdrawal fee, not including any bank fees$2.00
ATM balance inquiryN/A
Fees for point-of-sale transactionN/A
Fees for signature transaction$0.00
Paper statement fee$0.00
Paper statement at ATMN/A
Bill payment fee$0.00
Fee for customer service by phone$0.00
Declined transaction fee$0.00
Inactivity fee$0.00
Notes: Monthly maintenance fee waived in New York, Texas and Vermont. Monthly fee waived with direct deposit, adding $500 to card each month or having card in the Isis Mobile Wallet. Paper statement available upon written request only. Balance inquiries via text, online or by phone only.

Bankrate.com surveyed 24 prepaid debit card offers from Feb. 12-19, 2014. These are the resulting fees, restrictions and other card provisions.

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