Where to find your tax forms from Amex Bank

American Express Bank sends tax documents to the address on file with your savings account. The form you receive depends on the account type and the interest you earned. Most savers receive a 1099-INT (for interest income) by January 31 each year. If you held a CD that matured or closed during the tax year, you may also receive a 1099-OID (for original issue discount) if applicable to your product.

You can retrieve copies of these forms in two ways: through your online account dashboard or by calling American Express Bank directly. The online method is faster if you have active login credentials. The phone method works if you have lost access to your account or need forms from years past.

Amex Bank does not mail duplicate copies automatically, so if your original form was lost or damaged, you must request it. The bank can resend forms from the current tax year and up to six prior years.

Key Takeaways

  • American Express Bank mails 1099-INT forms by January 31 for interest earned in the previous calendar year.
  • You can download tax documents from your online account or request them by phone at the number on your account statement.
  • If you do not receive a form by early February, contact Amex Bank before filing your taxes to request a duplicate.
  • Forms are mailed to the address on file with your account, so update your address if you have moved.

Accessing forms through your online account

Log into your American Express Bank account at americanexpress.com. Navigate to the account statements or documents section—this location varies slightly depending on whether you use the mobile app or desktop site. Look for a link labeled "Tax Documents," "1099 Forms," or "Year-End Statements."

Select the tax year you need. The current year's form typically appears in late January. Once you locate the form, you can view it on screen, download it as a PDF, or print it directly. Save the PDF to your computer or email it to yourself so you have a backup copy.

If you cannot find the tax documents section in your account, check the help or FAQ area of the Amex Bank website. The exact menu structure changes periodically, and the help section will show you the current path.

Requesting forms by phone or mail

Call the customer service number on the back of your Amex Bank savings account card or on your most recent statement. Tell the representative you need a copy of your 1099-INT or other tax form for a specific year. Have your account number ready.

The representative will verify your identity and confirm the mailing address on file. They will then mail the form to you, which typically takes 7 to 10 business days. If you need the form urgently, ask whether they can email it to you instead—some representatives can do this, though it is not may provide.

You can also write to American Express Bank at the address listed on your statement, but this method is slower. Include your account number, the tax year you need, and the form type in your letter.

What to do if you do not receive a form

If January 31 has passed and you have not received your 1099-INT, check your mailbox for another week. Forms sometimes arrive late due to postal delays. Log into your online account to see if the form is available there before contacting the bank.

If the form does not appear online by early February and has not arrived by mail, call American Express Bank customer service. Explain that you have not received your tax document and provide the tax year in question. The bank can confirm whether a form was mailed and resend it if needed.

Do not wait until tax filing day to request a missing form. The IRS expects you to have your 1099-INT by the time you file, and requesting it at the last minute may delay your return. If you file before receiving the form, you may need to file an amended return once it arrives.

Understanding what each tax form means

A 1099-INT reports interest you earned on your savings account during the calendar year. The amount shown is the gross interest before any taxes are withheld. You must report this income on your tax return even if the amount is small. The IRS receives a copy of this form from Amex Bank, so your reported income should match.

A 1099-OID may appear if you held a certificate of deposit (CD) that was issued at a discount or had special terms. This form reports original issue discount income, which is taxable even if you did not receive the money in cash. Not all CDs generate a 1099-OID—only those structured in specific ways.

If you earned less than $10 in interest during the year, Amex Bank may not be required to send a 1099-INT, but you still owe tax on that income. Check your account statements to confirm the total interest earned if you do not receive a form.

Updating your address to ensure delivery

Tax forms are mailed to the address currently on file with your American Express Bank account. If you moved during the tax year or after the year ended, update your address before January 31 to ensure the form reaches you.

Log into your account online and look for a "Profile," "Account Settings," or "Personal Information" section. Update your mailing address there. You can also call customer service to update your address over the phone.

If you updated your address after the form was already mailed to your old address, contact the post office's mail forwarding service or call Amex Bank to request the form be resent to your new address.

Frequently Asked Questions

Do I need my tax documents if I file electronically?

You do not need to attach the physical form to your electronic return, but you must report the income shown on your 1099-INT. Keep a copy of the form for your records in case the IRS questions your return. The IRS matches the income you report to the copy Amex Bank files with them.

What if I closed my Amex Bank account during the year?

You will still receive a 1099-INT for the interest earned before the account closed. The form is mailed to the address on file at the time the form is generated, typically in January. If you closed the account and moved, the form may not reach you—call Amex Bank to request it be sent to your current address.

Can I get a tax form for a year older than six years?

American Express Bank typically maintains records for six years and can provide forms from that period. For older years, contact the IRS directly. You can request a transcript of your account information from the IRS, which shows income they have on record for you.

Is the interest on my Amex Bank savings account taxable?

Yes. All interest earned on a savings account is taxable income at the federal level and in most states. You must report it on your tax return. Some states do not tax interest income, so check your state's rules. The 1099-INT shows only federal taxable income, not state-specific treatment.

What if the amount on my 1099-INT does not match my account statements?

Small differences can occur due to timing—interest posted on the last day of the year may appear on your statement but not on the 1099-INT if it was processed after the form was generated. Larger discrepancies should be reported to Amex Bank. Call customer service with your account statements and the form in hand so they can investigate.