The login process for American Express savings accounts
To log into your American Express savings account, go to americanexpress.com and click "Log In" in the top right corner. Enter your username or the email address associated with your account, then your password. If you have set up two-factor authentication (which American Express recommends), you will receive a code via text or email and must enter it to complete login.
If you do not yet have an online account set up, you will need to create one before you can log in. During account creation, American Express will ask for your Social Security number, date of birth, and other identifying information to verify your identity. This process typically takes a few minutes.
Once logged in, you can view your account balance, transaction history, interest earned, and transfer money to external bank accounts. You can also manage settings, update your contact information, and set up alerts for deposits or withdrawals.
Key Takeaways
- Log in at americanexpress.com using your username or email address and password.
- Two-factor authentication requires you to enter a code sent to your phone or email after you enter your password.
- If you have never logged in before, you must create an online account first using your Social Security number and date of birth.
- Once logged in, you can check your balance, view transactions, and transfer money to other bank accounts.
What to do if you forgot your password
Click "Forgot Password?" on the login page. American Express will ask you to enter the email address or username associated with your account. You will then receive an email with a link to reset your password. The link typically expires after a set time, so complete the reset promptly.
When you create a new password, American Express requires it to meet certain standards: it must be at least 8 characters long and include uppercase letters, lowercase letters, numbers, and special characters. Write down your new password in a secure location or use a password manager to store it.
Two-factor authentication and security codes
American Express sends security codes to verify your identity when you log in from a new device or browser, or if you have enabled two-factor authentication in your account settings. The code arrives via text message or email, depending on what you chose during setup.
Enter the code within the time limit shown on the login screen. If the code expires before you enter it, request a new one. Do not share your security code with anyone, including American Express employees. American Express will never ask you for your code via phone, email, or text.
Logging in on mobile devices
You can log into your American Express savings account using the American Express mobile app, available on iOS and Android. Download the app from the Apple App Store or Google Play Store, then enter your username or email and password at the login screen.
The mobile app uses the same login credentials as the website. If you have two-factor authentication enabled, you will receive a code on your phone when you log in from the app. Some users find it faster to log in through the app because they can use biometric authentication (fingerprint or face recognition) instead of typing their password each time.
What to do if you cannot log in
If you see an error message when you try to log in, first check that you are entering your username or email address and password correctly. Passwords are case-sensitive, so make sure Caps Lock is not on. Clear your browser's cache and cookies, then try again in a different browser.
If you still cannot log in after checking these steps, contact American Express customer service. You can reach them by phone at the number on the back of your savings account card or statement. Have your account number and a form of identification ready. Customer service can verify your identity and help you regain access to your account.
Account access after inactivity
If you have not logged into your account for an extended period, American Express may require you to verify your identity again before granting access. This is a security measure to protect your account. You may be asked to answer security questions you set up when you opened the account, or to provide information like your Social Security number or date of birth.
If you cannot remember the answers to your security questions, contact American Express customer service. They can walk you through alternative verification methods to restore your access.
Frequently Asked Questions
Can I log in to my American Express savings account without creating a username?
No. You must create an online account with a username or use your email address as your login identifier. American Express does not allow login using only your account number or card number. If you have not set up online access yet, visit americanexpress.com and select the option to create a new account.
What should I do if I receive a login code I did not request?
Do not enter the code. Someone may be trying to access your account. Contact American Express customer service immediately to report the suspicious activity. They can review your account for unauthorized access and help you secure it.
Can I use the same password for my American Express savings account and my American Express credit card account?
Yes, if you have both accounts linked to the same online profile. However, using different passwords for different accounts is more secure. If someone learns one password, they cannot access your other accounts.
How long does a login session stay active before I am logged out?
American Express typically logs you out after a period of inactivity to protect your account security. The exact time varies but is usually between 15 and 30 minutes. If you are logged out, simply log in again using your credentials.
Is it safe to save my password in my browser?
Saving your password in your browser is convenient but less secure, especially if you share your device with others. A password manager is a safer alternative because it encrypts your passwords and requires a master password to access them. If you do save your password in your browser, do so only on devices you control and trust.