American Express National Bank Hours

VIENNA, AUSTRIA - NOVEMBER 6, 2019: American Express logo in front of their office for Vienna.
BalkansCat /

American Express is known the world over as a leading credit card company, with 114 million cards in force. Lesser known is the fact that it also owns American Express National Bank, Member FDIC and is an online bank that customers can use to open high-yield savings accounts or certificates of deposits.

Does this nontraditional bank operate with traditional hours? Keep reading to find out.

American Express National Bank Hours for Normal Days

Because American Express National Bank, Member FDIC is an online bank with no branch locations, it doesn’t keep normal hours the way traditional banks do. You can access your account online at any time, regardless of the day.

Is American Express National Bank Open on Weekends?

Technically, no branches of American Express National Bank, Member FDIC are open on weekends — or any other day — because the company doesn’t operate any branches. However, you can conduct banking business online or on your mobile app any day of the week, including weekends.

American Express National Bank, Member FDIC Hours
Day Hours
Sunday through Saturday 24/7 online

American Express National Bank Hours for Holidays

Because it’s an online bank, American Express National Bank, Member FDIC doesn’t close on the federal holidays that other banks observe. But if you’re interested in knowing which federal holidays the U.S. Office of Personnel Management observes, here’s the 2022 schedule:

  • New Year’s Day: Jan. 1
  • Martin Luther King Jr. Day: Jan. 17
  • Presidents Day: Feb. 21
  • Memorial Day: May 30
  • Juneteenth National Independence Day: June 19
  • Independence Day: July 4
  • Labor Day: Sept. 5
  • Columbus Day: Oct. 10
  • Veterans Day: Nov. 11
  • Thanksgiving Day: Nov. 24
  • Christmas Day: Dec. 25
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Even if the holiday schedule doesn’t affect your bank directly, it still helps to have all your money ducks in a row around the holidays as those days are often busy and stressful.

Learn: Are Banks Open Today? Full List of All Bank Holidays

How To Bank With American Express National Bank After Business Hours

As mentioned earlier, the status of American Express National Bank, Member FDIC as an online bank means you don’t need to worry about conducting banking business during normal business hours since everything is accessible 24/7. You can bank with American Express online or via its mobile app.

One thing to keep in mind: American Express notes that for transferring funds, business days are considered to be Monday through Friday, and that any transfers done after 7 p.m. Eastern time will be processed the next business day, excluding holidays.

Find Out: How To Get Money Orders and Other Urgent Items When Your Bank Is Closed

How To Contact American Express National Bank Customer Service

You can access the bank’s customer service department using these methods:

  • Phone number: 1-800-419-2122
  • Mobile app: Click on the Chat icon in the American Express App to access customer support.
  • Mail: For general inquiries, write to:
    • American Express
      P.O. Box 981535
      El Paso, TX 79998-1535
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More on American Express

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Information is accurate as of Nov. 24, 2022.

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by American Express.

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About the Author

Sean joined the GOBankingRates team in 2018, bringing with him several years of experience with both military and collegiate writing and editing experience. Sean’s first foray into writing happened when he enlisted in the Marines, with the occupational specialty of combat correspondent. He covered military affairs both in garrison and internationally when he deployed to Afghanistan. After finishing his enlistment, he completed his BA in English at UC Berkeley, eventually moving to Southern California.
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