How to name beneficiaries and fund a trust at American Express
Covers 3 deposit accounts — beneficiaries can be managed online
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 Apr 2026
The key to protecting your American Express accounts is making sure each one has a transfer mechanism in place—either a beneficiary designation. Without one, the account goes through probate, adding time, cost, and court involvement for your family.
Each of American Express's 3 accounts has different rules for how it transfers at death. The sections below explain the options for each.
American Express Rewards CheckingAmerican Express High Yield SavingsAmerican Express CD
1
Log in to your Savings account at americanexpress.com
2
On your Savings dashboard, select Account Services
3
Click Beneficiaries and Re-titling, then Manage Beneficiaries
4
Complete the beneficiary designation:
- Enter beneficiary information (SSN, date of birth, mailing address required)
- Click Continue and confirm the information, then click Submit
Special Requirements
- Maximum of 6 beneficiaries per account
- Beneficiaries must be natural persons (individuals only); trusts, businesses, charities, and pets are not permitted as POD beneficiaries
- Account funds are split equally among all named beneficiaries; custom allocation percentages are not available
- Certain state law restrictions apply to POD accounts
- POD beneficiary designations are automatically revoked if the account is re-titled to a revocable living trust
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 Apr 2026
Estate planning articles
Learn how to protect your American Express accounts and other assets with trusts, beneficiary designations, and estate planning documents.
