Don’t Make This Amex Serve Mistake

Amex Serve, cousin of Bluebird, in many respects works like a checking account. It has robust bill pay and each account has an account and routing number for direct deposit. But it is not a true checking account. The direct deposit information screen clearly says, “This information can only be used for adding money into your Account with Direct Deposit. It cannot be used to pay bills on external sites.”

Amex Serve Direct Deposit

At some point I put the account information in a secure note and forgot about the warning. I thought why wait a few days for outgoing bill pays to arrive when I could just add it to my credit card online payments as a checking account. A rejected payment each for wife and I, one costing a $26 returned payment fee, I have been reminded of the warning. Don’t make my mistake. Only use bill pay from within Serve.

Why get Serve? Many reasons, though for the lazy or efficient, an attractive feature is that the regular version allows $1,000 credit cards loads per month at $200 per day. If you have the right phone, the Serve with ISIS version is $1,500 (not that ISIS). The loads are treated as purchases rather than cash advances by the major issuers, though loads with Amex cards do not earn points.

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10 Comments on "Don’t Make This Amex Serve Mistake"

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Don’t use Serve at all, a miserable, thieving organization. Just look at the D BBB ranking. They are notorious for rejecting transactions while holding the money for weeks, for stealing money and for various other crimes.


Can you transfer money from your serve account back to your checking account?


I will be at FTU Advanced, Chicago Seminars, #westcoastdo, and Las Vegas. I’ll see you at the first 2 🙂


I did this in the very beginning when I first had a bluebird account. I thought it would be a nice way to pay my rent with Vanilla reloads because my landlord had an online setup that allowed bank transfers. However, the payment didn’t go through and my landlord charged me a $35 fee for a returned payment. That was frustrating and embarrassing.


So if the next terror organization calls itself IBM, we should rename IBM
rather if the next one calls itself USA, we need to rename us to a different name?


Thanks for the warning Stefan, I’ve done that with other cards, but not Serve. Good to know now 🙂

P.S. Are you going/speaking at any other upcoming travel conferences?


I wonder why any brand still so stupid to carry ISIS on their product these days?