Amex Serve really doesn’t want you to switch funding sources

Out and Out has partnered with CardRatings for our coverage of credit card products. Out and Out and CardRatings may receive a commission from card issuers. This site does not include all financial companies or all available financial offers.
Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.


AMEX-Serve-Logo

Ah, my adventures in Serve.

They are doing their best to make sure the product is secure, I’ll give ’em that.

When I originally got the Serve card, I wanted to find out which banks charge cash advance fees for reloading with a credit card. My idea was to load $5 from each bank’s credit card and report the results. Not so fast.

One card

Serve only lets you add one credit card as a funding source at a time. I found out that US Bank did not charge me any kind of fee on my Club Carlson Visa and I did earn Club Carlson points on the reload. So, after the $5 reload cleared, I loaded up $195 more, then set up automatic reloads of $200 for 4 days (to reach the $1,000 maximum). The first day, everything went through fine. The second day, I got an error message. I was at FTU and didn’t have time to deal with it.

The third day, I got another error message. On the fourth day, I called. Amex wanted to make sure the credit card was mine. They asked me a LOT of questions about the credit card. They wanted the exact name on the card, wanted to know what kind of card it was (Club Carlson? Visa? – What kind of Visa? – Visa Signature? – What kind of Club Carlson card? – Club Carlson Premier Rewards Visa Signature card?).

The agent was not convinced with my answers and had to conference call US Bank to make sure the card was mine. I was on hold for a few minutes. She came back and said that I could continue to reload the Serve card with the US Bank credit card.

I asked if I’d have to go through this process each time I updated the card. The answer was yes. So now I’m leaning on FlyerTalk’s info regarding the bank fees and will add to the list a little more slowly than I anticipated.

Bottom line

Amex really wants you to plug in one card as a funding source and stick to it. They only allow you to have one at a time, and if you switch, put you through a phone call verification with the credit card’s bank. At least, they made me do that.

I applaud Serve for being secure, but it does make it harder to swap out a different card every month (unless you don’t mind the phone call). Has anyone else had this happen when switching credit cards as a funding source?

* If you liked this post, consider signing up to receive free blog posts in an RSS reader and you’ll never miss an update! And thanks for using my links to apply for new card offers!


Out and Out has partnered with CardRatings for our coverage of credit card products. Out and Out and CardRatings may receive a commission from card issuers.

BEST Current Credit Card Deals

About Harlan

Just a dude living in Dallas.

More articles by Harlan »

Leave a Reply