Log in at americanexpress.com using your username and password
Go to americanexpress.com and click "Log In" in the top right corner. Enter your username (or the email address linked to your account) and your password. If you have not set up online access yet, you will need to create a username and password before you can log in — American Express will walk you through this when you first visit the login page.
Once you are logged in, your savings account will appear in your account dashboard alongside any other American Express products you hold. Your current balance, interest rate, and recent transactions will be visible from the main page. If you have multiple accounts, you may need to select the savings account from a dropdown menu to view its details.
If you forget your password, click "Forgot your password?" on the login page. American Express will send a reset link to the email address on file. Check your spam folder if you do not see the email within a few minutes.
Key Takeaways
- Log in at americanexpress.com with your username or email address and password.
- If you have never logged in before, you must create a username and password on your first visit to the login page.
- Your savings account balance and recent activity appear on your account dashboard once you are logged in.
- Use the "Forgot your password?" link if you need to reset your login credentials.
- You can also download the American Express mobile app and log in there to manage your savings account on your phone.
Create a username and password if this is your first login
When you open a new American Express savings account, you receive account details by mail or email. The first time you visit americanexpress.com and attempt to log in, the site will prompt you to create a username and password rather than asking for existing credentials. Your username can be any combination of letters and numbers you choose — it does not have to match your name or email address.
Your password must be at least 8 characters long and include uppercase letters, lowercase letters, numbers, and at least one special character (such as ! @ # $ % or &). American Express enforces these requirements to protect your account from unauthorized access. Write down your username and password in a secure location, or use a password manager to store them.
Use the American Express mobile app to log in on your phone
Download the American Express app from the Apple App Store or Google Play Store. Open the app and tap "Log In." Enter your username or email address and password — the same credentials you use on the website. Once you are logged in, you can view your savings account balance, check recent deposits and withdrawals, and transfer money between your American Express accounts.
The mobile app also allows you to set up biometric login using your fingerprint or face recognition, which is faster than typing your password each time. To enable this, go to the app's settings menu and look for "Biometric Login" or "Touch ID / Face ID."
What to do if you cannot log in
If you enter your username and password but the site says they are incorrect, first make sure Caps Lock is off — passwords are case-sensitive. If you are still locked out, use the "Forgot your password?" link to reset it. American Express will send a link to your registered email address; click the link and create a new password.
If you do not receive a password reset email within 10 minutes, check your spam or junk folder. If the email is not there, your email address on file may be incorrect. Contact American Express customer service at the phone number on the back of your card or on your account statement. They can verify your identity and update your email address so you can reset your password.
If you see an error message saying your account is locked or suspended, this usually means American Express detected unusual login attempts and temporarily blocked access for security. Call customer service to unlock your account — they will ask you to verify your identity by answering security questions or providing information from your account.
Protect your login information
Never share your username or password with anyone, including American Express employees. American Express will never ask you to provide your password by email, phone, or text message. If someone contacts you claiming to be from American Express and asks for your login credentials, hang up or delete the message and call the number on your account statement instead.
Log out of your account when you finish using it, especially if you are on a shared computer. Click the "Log Out" button, usually located in the top right corner of the page or in the app's menu. Logging out closes your session and prevents the next person who uses that computer from accessing your account.
If you suspect someone has accessed your account without permission, change your password immediately and contact American Express. They can review your account for unauthorized transactions and help you secure it.
Frequently Asked Questions
What if I forgot my username?
Your username is something you created when you first set up online access — American Express does not assign it to you. If you cannot remember it, use the "Forgot your password?" link on the login page. You can reset your password using your email address, and then log in with your email address instead of your username. Once you are logged in, you can view or change your username in your account settings.
Can I log in with my email address instead of a username?
Yes. On the login page, you can enter either your username or the email address associated with your account. American Express accepts both.
Why does the site say my account does not exist?
This usually means the email address or username you entered is not connected to an American Express savings account. Double-check that you are using the correct email address. If you recently opened the account, it may take up to 24 hours for it to appear in the online system. If you are still unable to log in after 24 hours, contact American Express customer service.
Is it safe to log in on public Wi-Fi?
Logging in on public Wi-Fi carries some risk because others on the network may be able to intercept your password. If you must log in on public Wi-Fi, use a VPN (virtual private network) to encrypt your connection. Better yet, wait until you are on a secure home or work network to access your account.