Cash out your tax refund fast with American Express Serve®

With a Serve Prepaid Debit Account, you can access your tax refund up to 2 days faster* with Direct Deposit. Plus, you can use Cash Pickup Powered by Ria® to pick up your money at Walmart® in as little as 5 minutes.**

  • Free to register online – NO credit check, NO minimum balance and NO hidden fees
  • Free early Direct Deposit*** for paychecks, government benefits and tax refunds*
  • Easy to use for in-store and online purchases, virtually anywhere American Express® is accepted.

*Faster access compared to standard tax refund electronic deposit and subject to IRS submitting refund information to the bank before release date. IRS may not submit refund information early.

**The Serve Cash Pickup service is provided by Ria (defined below) pursuant to Ria’s Terms and Conditions for Serve, Ria’s Privacy Policy for Serve, and the Serve Consumer User Agreement and subject to all applicable laws and regulations. Pickup is available in all 50 United States and Puerto Rico. For tax refunds that are Direct Deposited to your Account, the daily Cash Pickup limit will be the lesser of (i) $2,900 and (ii) the tax refund amount, until you have withdrawn the tax refund amount (Arizona and Oklahoma Accountholders are only eligible for a $900 daily Cash Pickup limit). Otherwise, a $900 daily Cash Pickup limit applies. Per transaction limit of $499.99 applies to withdrawals picked up in Arizona. Fees, other limits and terms and conditions apply. Visit for complete details.

Ria is a registered trademark of Dandelion Payments, Inc. dba Ria Money Transfer, licensed as a Money Transmitter by the Department of Financial Services of the State of New York; licensed by the Georgia Department of Banking and Finance, NMLS ID 920968; and authorized independently or through its affiliate, Ria Financial Services Puerto Rico, Inc. OCIF LICENSE NUMBER TM-2014-031, to operate as a Money Transmitter in all United States’ jurisdictions where it conducts business American Express Travel Related Services Company, Inc. is not responsible for Rias acts or omissions in its provision of Serve Cash Pickup services.

Serve Cash Pickup orders can be picked up during Walmart store hours (typically 8:00 a.m. to 8:00 p.m. Monday through Saturday and 10:00 a.m. to 6:00 p.m. Sunday, but hours may vary) at any Walmart MoneyCenter or customer service desk in the State or territory you specified in your order.  To pick up your Serve Cash Pickup order, you must present a valid government-issued photo ID and pickup reference number. You will be required to provide proof of address if your ID does not contain your address or contains a P.O. Box.

***Faster access compared to standard payday electronic deposit and subject to your employer submitting paycheck information to the bank before payday. Your employer may not submit paycheck information early.