Institution Type

Direct Lender

Marketplace Lending Platform

Other Institution

Broker

Nonbank Financial Service Provider

Financial Technology Company

Bank

Credit Union

Community Bank

Bank Partnership

About

Business Hours (PST) - Monday

Business Hours (PST) - Tuesday

Business Hours (PST) - Wednesday

Business Hours (PST) - Thursday

Business Hours (PST) - Friday

Business Hours (PST) - Saturday

Business Hours (PST) - Sunday

NMLS #

Annual Revenue

FDIC Insured

Key People

Number of Employees

Time Zone

New York (Eastern Time)

Chicago (Central Time)

Denver (Mountain Time)

Phoenix (Mountain Time no DST)

Los Angeles (Pacific Time)

Anchorage (Alaska Time)

Honolulu (Hawaii-Aleutian Time)

London (Greenwich Mean Time)

Berlin (Central European Time)

Moscow (Moscow Time)

Shanghai (China Time)

Manila (Philippine time)

Generic Contact Email

FDIC Certificate Number

Limited Liability Company (LLC)
Incorporation (Inc.)
Corporation - C Corp (Corp.)
Corporation- S Corp  (Corp.)
Corporation- B Corp (Corp.)
Corporation - Nonprofit (Corp.)
Sole Proprietorship
Partnerships

Business Structure

Limited Liability Company (LLC)

Corporation - Nonprofit

Corporation - C Corp

Corporation - B Corp

Corporation - S Corp

Partnership

Sole Proprietorship

Stock Symbol

IPO Launch Date

Number of Shares at IPO

Price per Share at IPO

Support Options

Online Knowledge Base

Phone Support

Online Chat Support

Email and Ticketing

Local Branches

Social Media

Message From Our Editor

Deposit Insurance

Member FDIC

Member SIPC

Insured by NCUA

Free Customer Service

Rewards Program

ATM Fee: In-Network

ATM Fee: Out-of-Network (within the U.S.)

Credit Score Range

Card Network

Discover

Mastercard

Visa

Other

Not an access card

Closed loop card

None

American Express

Monthly Fee Waiver Requirements

Free In-Network ATM Withdrawal

No Monthly Service Fee with Direct Deposit

No PIN Purchase Transaction Fee

No Signature Purchase Transaction Fee

American Express® National Bank was founded in 1850 and is based in New York, NY.

Learn more about American Express® National Bank and its products by browsing the services it offers. You can also read our community reviews and hear what others have to say about their experience with American Express® National Bank.

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The American Express® National Bank is designed for consumers who want the convenience of paying with plastic but don’t want (or don’t qualify) for a regular credit card. American Express® National Bank only allows you to spend money already in your account. So you can avoid interest payments, bounced checks, or overdraft fees.

American Express® National Bank Pros & Cons

Who issues American Express® National Bank?

American Express® National Bank is issued by , which is based in New York, NY and was founded in 1850.

American Express® National Bank is issued by  , which is based in New York, NY and was founded in 1850.

What fees does American Express® National Bank charge?

It looks like American Express® National Bank does not charge any fees to users.

How Much Does American Express® National Bank Cost?

Does American Express® National Bank charge an activation fee?

 American Express® National Bank does not charge an activation fee.

What is the daily ATM withdrawal for American Express® National Bank?

American Express® National Bank does not seem to have a set ATM withdrawal limit.

What is daily direct deposit limit for American Express® National Bank?

It looks like American Express® National Bank does not have a set daily direct deposit limit.

What is the Card Replacement Fee for American Express® National Bank?

It looks like American Express® National Bank does not charge a card replacement fee.

What is the Maximum Balance for American Express® National Bank?

It looks like American Express® National Bank has not set a maximum balance.

How to apply for American Express® National Bank

Fill in the application form. Some prepaid cards require you to provide some personal information, such as your full name, address, date of birth, email, and SSN.

Check the information is accurate and submit your application.

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American Express® National Bank Prepaid Debit Cards 2026 Reviews