Estate planning at American Express
How to protect 4 American Express accounts — manage beneficiaries online, fund a trust online, and file death claims
American Express Savings Customer Service
Phone1-800-446-6307
Mailing Address
American Express National Bank, PO Box 30384, Salt Lake City, UT 84130-0384
WebsiteLearn more→
American Express Savings Customer Service
Phone1-800-446-6307
Mailing Address
American Express National Bank, PO Box 30384, Salt Lake City, UT 84130-0384
WebsiteLearn more→
Deceased Account Services (Savings)
Phone1-800-446-6307
Fax1-800-542-0779
Mailing Address
American Express National Bank, PO Box 30384, Salt Lake City, UT 84130-0384
WebsiteNotify online→
Verified Jul 2026
American Express offers 4 consumer accounts that interact with estate planning in distinct ways. Understanding the transfer methods available for each account type helps families keep assets out of probate and ensure they pass to the right people.
American Express lets account holders update beneficiary designations online, by mail, and by phone, typically taking 10-15 minutes. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
There are two sides to estate planning at American Express: setting things up while you're alive, and the process survivors follow after a death.
Preparing your estate
Beneficiaries and trust funding
How to manage beneficiaries online, fund a trust online, and review 4 account types at American Express.
View details →When someone dies
Death claim process
4-step process, 8 required documents, and contact information for survivors.
View details →Frequently asked questions
You cannot name a trust as a POD beneficiary. POD beneficiaries must be natural persons (individuals); trusts, businesses, charities, and pets are not permitted. You can instead re-title the account to a revocable living trust, but only online and only to a revocable living trust. The trust must use the primary account owner's SSN, and that owner must be a settlor/grantor and a trustee who can act individually. Irrevocable and testamentary trusts are not accepted, and any existing POD designations are automatically revoked on re-titling.
Sources
Data sourced from American Express primary sources (23 pages reviewed). How we research.
American Express Savings Customer Service
Phone1-800-446-6307
Mailing Address
American Express National Bank, PO Box 30384, Salt Lake City, UT 84130-0384
WebsiteLearn more→
American Express Savings Customer Service
Phone1-800-446-6307
Mailing Address
American Express National Bank, PO Box 30384, Salt Lake City, UT 84130-0384
WebsiteLearn more→
Deceased Account Services (Savings)
Phone1-800-446-6307
Fax1-800-542-0779
Mailing Address
American Express National Bank, PO Box 30384, Salt Lake City, UT 84130-0384
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your American Express accounts and other assets with trusts, beneficiary designations, and estate planning documents.
