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American Express Bank, FSB, is a branchless bank that offers saving accounts with competitive rates and no hidden fees. Bank anywhere, anytime, by phone or online through a computer or a mobile device.

Open

Apply for an account online or by phone in less than 10 minutes. Here is more information.

Deposit and Withdraw

Manage your savings at your convenience. Make deposits and withdrawals to and from your High-Yield Savings Account online or by phone at any time. Link your external bank accounts to your Personal Savings Account in a few easy steps. Find out how.

Find Out More

Explore Personal Savings

  • Ease of Direct Banking
  • Two Simple Products
  • World-Class Service

Application Process

  • How to Open an Account
  • Personal Savings Customers
  • American Express Cardmembers

Deposits and Withdrawals

  • By Electronic Transfer
  • By Check
  • Automatic Transfers

High-Yield Savings Accounts

  • Interest Rate
  • Account Features
  • Savings Calculator

Certificate of Deposit (CD) Accounts

  • Interest Rates and CD Terms
  • Account Features
  • Savings Calculator

Contact Us

  • Mailing Address
  • Feedback
  • Forms

Account Policies

  • Deposit Hold Times
  • Transaction Limitations
  • CD Interest Payments
  • CD Maturity
  • CD Early Withdrawal

Manage Your Account

  • Online Account Access
  • Account Alerts
  • Password Reset
  • Routing Number
  • Statements
  • Beneficiaries
  • Closing Your Account

Find Out More

High-Yield Savings Accounts

  • Interest Rate
  • Account Features

Certificate of Deposit (CD) Accounts

  • Interest Rates and CD Terms
  • Account Features
  • CD Interest Payment

Account Policies

  • Deposit Hold Times
  • Beneficiaries
  • Transaction Limitations
  • CD Early Withdrawal

Manage Your Account

  • Beneficiaries
  • Account Alerts
  • Routing Number
  • Statements

Contact Us

  • Mailing Address
  • Feedback
  • Forms

Find Out More

Account Management and Policies

  • Deposit Hold Times
  • Beneficiaries
  • Transaction Limitations
  • CD Early Withdrawal
  • Statements

Deposits and Withdrawals

  • Electronic Transfer
  • Check
  • Direct Deposits

Contact Us

  • Mailing Address
  • Feedback
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Accounts offered by American Express Bank, FSB. Each depositor is insured to at least $250,000. Learn More from FDIC.gov

Deposit Account Agreement | GLBA Privacy Notice 
Need Help? Questions about Online Security

* The Annual Percentage Yield (APY) as advertised is accurate as of November 08, 2012. Rates are subject to change at any time without notice before or after a High-Yield Savings account is opened. For CD accounts, rates are subject to change at any time without notice before the account is opened; your rate will be fixed on the business day we receive your complete application, provided we receive your deposit within 30 days after your application is approved. After a CD is opened, additional deposits to the account are not permitted; early CD withdrawals may be subject to penalties and will reduce account earnings. Please see the Deposit Account Agreement for additional terms and conditions and Truth-in-Savings disclosures. Accounts offered by American Express Bank, FSB. Member FDIC.