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Call us at 1-800-446-6307 Set Up Online Access

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

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In This Section

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

Online Account Access

Your Personal Savings account comes with convenient online account access. Once you setup online access, you’ll be able to access all of your Personal Savings accounts, view statements, setup customized alerts, and make deposits and withdrawals electronically. Forget your user name or password? No problem. You can easily reset it online.

If you have not already enrolled in online banking, you should do so today.

How to set up online banking

Account Number

You can find your account number on your original Personal Savings welcome letter or online. To find it online, log in to your Personal Savings account and click the Show Account Numbers on the right hand side of the screen. After you successfully enter your password, the full account numbers will appear on the home page.

Routing Number

The American Express Bank FSB routing number is 124085066.


We send quarterly statements for CD accounts and monthly statements for High-Yield Savings accounts. You can better protect your privacy and help the environment by choosing to receive electronic statements either during the online account setup process or at any time. You can update your statement preference online by clicking the My Profile tab, then clicking on My Information, or by calling us at 1-800-446-6307. We will mail paper statements to you if you do not request electronic statements.


We offer Payable on Death (POD) accounts, which let you designate that funds in your Personal Savings account be payable after your death (and after the death of any joint owner(s) of the account) to one or more surviving individual beneficiaries without having to set up as trust. Important note: Certain state law restrictions apply to POD accounts. Please consult an attorney or a qualified estate planning professional before designating your account as a POD account. Subject to applicable law and the Deposit Account Agreement, you may name up to six (6) individuals as payable on death beneficiaries, and the funds in the POD account would not be governed by your will or inherited by your heirs. To create a POD account, you will have to create a single or joint account and add beneficiaries by completing our Beneficiary Designation Form. POD beneficiaries must be individuals, not trusts.

Download the Account Beneficiary Form

Backup Withholding

American Express Bank, FSB, is required by law to withhold and remit to the IRS a specified percentage (28%) of interest paid to your account under certain conditions. To ensure accurate reporting on Form 1099-INT and avoid potential backup withholding, you should verify that your correct legal name and taxpayer identification number ("TIN") are on file with American Express Bank, FSB by completing and signing the Request for Taxpayer Identification Number and Certification ("Substitute Form W-9") contained in the application. Your TIN may be in one of the following forms: (a) your Social Security Number ("SSN") if the account is in your name and you are either a U.S. citizen, permanent resident, or otherwise eligible to receive a  SSN from the Social Security Administration; or (b) an Individual Taxpayer Identification Number ("ITIN") if you are not eligible to receive a SSN from the Social Security Administration.

Accounts opened over the phone will be subject to backup withholding until American Express Bank, FSB receives a completed and signed New Account Form, which includes the Request for Taxpayer Identification Number and Certification (Substitute Form W-9) mentioned above.

Payments you receive will be subject to backup withholding if:

  1. You do not furnish your TIN to the requester,
  2. You do not certify your TIN when required,
  3. In certain instances, the IRS tells American Express Bank, FSB that you furnished an incorrect TIN,
  4. The IRS tells you that you are subject to backup withholding because you did not report all your interest and dividends on your tax return (for reportable interest and dividents only), or
  5. You do not certify to American Express Bank, FSB that you are not subject to backup withholding under 4 above.

More info about the Substitute Form W-9

Download the New Account Form (Substitute Form W-9) for High-Yield Savings

Download the CD New Account Form (Substitute Form W-9) for Certificate of Deposit

FDIC Insurance for Joint High-Yield Savings accounts

If you are a joint owner of a High-Yield Savings account, certain FDIC regulations require that we have each joint account owners’ signatures on file so that your account is eligible for insurance up to the maximum applicable limit provided by the FDIC for qualifying joint accounts. Please take a moment and have each joint account owner sign the Joint Account Signature Form.

Joint Account Signature Form

Closing Your Account

To close your account, please complete the Account Closure form and fax or mail it to us. Alternatively, you may call us at 1-800-446-6307 to close your account. If you are closing a CD account prior to the maturity date, we ask you to complete and send in the Account Closure form.

Download the Account Closure Form