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Personal Savings

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Accounts offered by American Express Bank, FSB. Your deposits are insured to at least $250,000.

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American Express Bank, FSB

Since 1850, American Express has provided customers with outstanding service. Now we’ve brought that same commitment and knowledge to our Personal Savings customers.

Personal Savings is a direct savings product from American Express Bank, FSB. American Express Bank, FSB is an FDIC‑insured federal savings bank that is a member of the American Express family.

Card Access

Cardmembers cannot use their American Express Cards to access Personal Savings funds, such as at an ATM. In addition, American Express Personal Savings does not offer ATM cards.

Learn more about deposits and withdrawals

*Rates are subject to change at any time. The Annual Percentage Yield (APY) as advertised is effective as of . For CD accounts, rates will be fixed on the business day we receive your application, pending we receive your deposit within 30 days after your application is approved. Penalties may apply to early CD withdrawals and may reduce deposit account earnings. Please see the Deposit Account Agreement for full terms and conditions and Truth-In-Savings disclosures. Accounts offered by American Express Bank, FSB. Member FDIC.

Personal Savings takes your security very seriously. Please see our Security section to learn more about your deposit accounts.

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