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 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.
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.
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|
|Sunday through Saturday||24/7 online|
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
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.
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.
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
- American Express
More on American Express
- American Express High Yield Savings Account Review
- How To Use and Find Your American Express Login
- American Express CD Rates Review: Great Rates From an Online Bank
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Information is accurate as of June 20, 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.