Help Logging In to Your Account

 

 

   STEP 1: Log In to Savings by entering your existing User Name and Password.

Step 1

   STEP 2: For extra security, we will need to send you a one-time identification code to your channel of choice.

Step 2

   STEP 3: Select where you want your code sent, check that you agree to the SMS Text Message Terms & Conditions, and click on "Send My Code" once.

 

  • If you do not see the next screen immediately, please wait a moment, the system is working on sending your code.
  • Do not click on "Send My Code" more than once.

   STEP 4: While waiting for the 6-digit identification code, do not close this browser window.

Text message code   Text Message

You should receive the text message within a few minutes. The code will be in the body of the text message. Here's an example.

Example text message with code

Email code   Email

If you need to log into your email account, you will need to open a new internet browser window. An email will be sent within 10 minutes with the subject line “Temporary code request for account access”. If you do not see the email in your inbox, please check your spam and trash folders.

 

Phone code   Phone Call

You will receive a phone call within a few minutes with the code. It may not go to voicemail. Write down the code.

Website screen to enter code

   STEP 5: Please enter the most recent identification code onto this page. The identification code will be a 6-digit numeric code.

 

  • Do not copy and paste the code. If you copy and paste it, the code may not be recognized by our system
  • If you are logging in from a personal computer or device, please click the "Remember This Device" checkbox. Otherwise, you will have to complete this process again the next time you log in from that device.

  STEP 6: If you are locked out, please close and re-open your browser and attempt to log in again.

 

  • If this doesn't solve the problem, please call us at 1-800-446-6307 and ask the Representative to issue you a temporary 6-digit passcode.

 

Accounts offered by American

Express National Bank. Member FDIC. Each depositor is insured to at least $250,000 per depositor, per insured bank, per ownership category.

Learn More at FDIC.govopens in new window

* The Annual Percentage Yield (APY) as advertised is accurate as of 04/07/2025. Interest rate and APY are subject to change at any time without notice before and after a High Yield Savings Account is opened. Interest Rate and APY of a Certificate of Deposit account is fixed once the account is funded. [There is no minimum balance required to open your Account, to avoid being charged a fee, or to obtain the Annual Percentage Yield (APY) disclosed to you]

 

** The national rate referenced is from the FDIC's published Monthly Rate Cap Information for Savings deposit products. Visit the FDIC website for details.

 

1 There is no minimum balance required to open your Account, to avoid being charged a fee, or obtain the Annual Percentage Yield (APY) disclosed to you.

 

2 The interest rate and Annual Percentage Yield (APY) will be disclosed in your account-opening documents, which you will receive after funding your Account. The interest rate and APY for your CD will be fixed and will either be (i) the rate reflected at application submission or (ii) the rate being offered when your CD is funded, whichever is higher. All CDs must be funded within 60 calendar days from the time we approve your application or will be subject to closure. After the CD is opened, additional deposits are not permitted. Early CD withdrawals may be subject to significant penalties which could cause you to lose some of your principal. Please see the Consumer Deposit Account Agreement and Savings Schedules for additional information.

 

3 For purposes of transferring funds to or from an external bank, business days are Monday through Friday, excluding holidays. Transfers can be initiated 24/7 via the website or phone, but any transfers initiated after 7:00 PM Eastern Time or on non-business days will begin processing on the next business day. Funds deposited into your account may be subject to holds. See the Funds Availability section of your Consumer Deposit Account Agreement and Savings Schedules for more information.

 

4 Calculations are estimates of expected interest earned. Actual results may vary, based on various factors such as leap years, timing of deposits, rounding, and variation in interest rates. The first recurring deposit is assumed to begin in the second period after any initial deposit.

 

5 IRA Contributions are subject to aggregate annual limits across all IRA plans held at American Express or other institutions. IRA distributions may be taxed and subject to penalties based on IRS guidelines. Required minimum distribution, if applicable, is only relevant to this IRA plan and does not take into consideration other IRA plans held at American Express or other institutions. Please see IRS.govopens in new window for more information. We recommend you consult with a financial or tax advisor when making contributions to and distributions from an IRA plan account.