Accent on “express”

American Express has been running this pitch for some time now, for good and sensible chronological reasons:

Tired of Waiting for your Tax Refund?

Access your refund up to 2 days FASTER* with Serve this Tax Season.

Add your Tax Refund onto your Account and get faster access than a standard electronic deposit.

“Serve” is an Amex reloadable debit card, sold largely on the basis of lacking several fees common in the industry. I got one in 2015 when they were first offered; I pay $1 a month. Inasmuch as I never seem to get tax refunds anymore, I hadn’t tried that scheme.

Saturday I knocked out my ’16 return — online for once, after many years of hard copy — and discovered to my surprise that I had actually overpaid on ye olde 1040. For the heck of it, I specified the Amex parameters (a routing number and an account number, just like all the other bank stuff) for direct deposit.

It got credited on Wednesday afternoon. No fees, no weirdness.

Good show, Amex.


  1. McG »

    6 April 2017 · 8:02 am

    Now if only you could get interest on that unsecured loan to the Treasury.

  2. CGHill »

    6 April 2017 · 8:39 am

    Wouldn’t that be nice?

  3. Lorna »

    6 April 2017 · 9:25 am

    That’s cool you managed that! Just wishing you a very happy weekend ahead!

    Raindrops of Sapphire

  4. fillyjonk »

    6 April 2017 · 9:52 am

    I didn’t do it that way, but was pleased to see on my recent bank statement, that the “repayment of my interest-free loan to the government” (which is what my dad always reminds me it is) has dropped into my account.

    this will make summer without a paycheck a bit less woeful.

    (I do over-withholding because I have investments, and one year with a big capital gain the govt. started making noises about quarterly payments and ain’t nobody got time for that….also, I give to charities so I deduct a fair amount)

  5. McG »

    6 April 2017 · 3:03 pm

    Elmer Fed takes profound exception to those who deny him his interest-free loan; there’s no penalty for over-withholding.

    Then again, the penalty for underwithholding we paid last year could have paid for maybe two upscale dinners out for two, as I had to keep pointing out to Mrs. McG.

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