American Express is not a traditional retail bank with local branches. It is best known for credit and charge cards, and its banking arm, American Express National Bank (AENB), operates as an online-only bank in the United States (High Yield Savings, CDs, Rewards Checking, and personal loans). This page answers what “American Express near me” usually really means: how to find an Amex ATM, how to get cash with an Amex card, whether there are physical Amex offices, and how the American Express National Bank differs from the credit-card business.
Map of American Express locations near me
Use the map below to see nearby ATMs that work with your American Express card and any Amex-branded physical locations in your area (mostly Centurion Lounges at airports and a small number of remaining Amex Travel offices). For a definitive Amex ATM search, the official locator at network.americanexpress.com is the most accurate tool.
American Express at a glance
- Founded: 1850 (as an express delivery company, evolved into financial services)
- Headquarters: 200 Vesey Street, New York, NY 10285
- Banking arm: American Express National Bank (AENB), chartered in Utah, headquartered in Salt Lake City
- Retail branches: None. AENB operates online only. All account opening, deposits, and customer service run through the Amex app, website, or phone.
- ATM access for Rewards Checking: Fee-free at 37,000+ MoneyPass ATMs across the U.S.
- Physical Amex locations: Centurion Lounges and Delta Sky Club co-branded lounges at select U.S. and international airports, plus a small number of remaining Amex Travel offices
- Customer service (U.S. cards): Phone number on the back of your card, or 1-800-528-4800 for general assistance
American Express ATM near me
To find the closest ATM that accepts your American Express card, use the official Amex ATM locator at network.americanexpress.com/globalnetwork/atm_locator/en/. The tool asks for your address, city, ZIP code, or country and returns a map of ATMs accepting Amex, including those with 24-hour access, drive-up options, and, in some markets, cash deposit support.
If you have an Amex charge or credit card, the locator shows ATMs where you can take a cash advance (interest and fees apply). If you have Amex Rewards Checking or Bluebird, see the next section for fee-free cash access on the MoneyPass network.
MoneyPass ATMs for Amex Rewards Checking and Bluebird
American Express Rewards Checking members get fee-free access to more than 37,000 MoneyPass network ATMs across the United States. Amex Bluebird prepaid customers also get MoneyPass fee-free access. To find one nearby, use the MoneyPass locator at moneypass.com/atm-locator or filter for MoneyPass on the Amex ATM locator. Many MoneyPass ATMs are inside 7-Eleven, Circle K, and other retail locations and are available 24/7 for cash withdrawal and balance inquiries.
Amex Serve ATM locations (historical note)
American Express Serve was a reloadable prepaid card that offered fee-free ATM access at MoneyPass locations. American Express Serve was discontinued in 2024, so its ATM network and free-ATM locations are no longer active. Existing Amex Serve customers received guidance on migrating to Bluebird or closing their accounts. For current Amex ATM access, see the Rewards Checking and Bluebird section above.
American Express National Bank: online-only banking, no branches
American Express National Bank (AENB) is the FDIC-insured banking subsidiary of American Express Company. It offers Rewards Checking, High Yield Savings (Personal Savings Account), Certificates of Deposit, and personal loans. AENB is chartered in Utah and headquartered in Salt Lake City, but it has no retail branches anywhere in the United States. All account opening, deposits, transfers, and customer service happen online at americanexpress.com, in the American Express app, or by phone.
American Express National Bank does not operate branches; there are no Amex bank locations to visit. Your Amex Savings or Rewards Checking account is opened and managed online. Cash deposits are not supported at Amex ATMs today; deposits into Amex accounts happen via mobile check deposit, ACH transfer from a linked external bank, or direct deposit.
Where you cannot find American Express bank branches
Amex has no retail bank branches in California, Florida, Texas, New York, Arizona, or any other state. American Express has no retail bank locations in California, Florida, Arizona, New York, or any other state, and no physical deposit locations.
Amex physical locations: Centurion Lounges, offices, and Amex Travel
Even though there are no bank branches, American Express does have some physical presence relevant to cardmembers:
- Centurion Lounges: Airport lounges reserved for eligible Amex Platinum, Business Platinum, and Centurion cardholders. Locations include ATL, AUS, BOS, CLT, DEN, DFW, HOU, JFK, LAS, LAX, LGA, MIA, ORD, PHL, PHX, SEA, SFO, and international airports (HKG, LHR, MEX, YYZ, and more). Not a place to conduct banking, but a physical Amex touchpoint for eligible members.
- Amex Travel offices: A small number of Amex Travel-branded offices remain, primarily for high-net-worth clients and specific corporate travel accounts. Most travel booking has moved to the Amex Travel website and the Amex Concierge for eligible cards.
- Corporate headquarters: 200 Vesey Street, New York, NY 10285 (New York City, Battery Park City). Not a retail location.
- American Express National Bank: 4315 South 2700 West, Salt Lake City, UT 84184 (chartered Utah address, not open to walk-in banking).
American Express hours and 24/7 support
Because there are no branches to open or close, “American Express hours” in practice means customer service and app availability:
- Cardmember phone support: Available 24/7 for most Amex cards. Call the number on the back of your card, or 1-800-528-4800 for general assistance.
- Amex National Bank (Rewards Checking, Savings, CDs) phone support: Rewards Checking: 1-800-297-3276. Personal Savings and CDs: 1-800-446-6307.
- Amex Travel: 1-800-297-2977 (Platinum and eligible cardmembers may have dedicated concierge numbers on the back of the card).
- Online and mobile: The Amex app and americanexpress.com are available 24/7 for balance checks, transfers, statement access, mobile check deposit (for AENB checking), and card lock.
- Centurion Lounges: Typical operating hours match airport terminal hours (varies by location). See americanexpress.com/en-us/travel/discover/lounges/centurion for each lounge’s schedule.
Contact American Express
- Card customer service (U.S.): Number on the back of your card, or 1-800-528-4800 for general assistance; international customers can call collect at 1-336-393-1111 or 1-801-449-4019.
- Amex National Bank (Rewards Checking): 1-800-297-3276
- Amex Personal Savings and CDs: 1-800-446-6307
- Amex Travel: 1-800-297-2977
- Lost or stolen card: 1-800-528-4800 (U.S.) or the international collect number above
- Corporate headquarters: American Express Company, 200 Vesey Street, New York, NY 10285
- American Express National Bank mailing address: American Express National Bank, 4315 South 2700 West, Salt Lake City, UT 84184
- Website: americanexpress.com
About American Express
American Express Company was founded in 1850 as an express delivery business in Buffalo, New York, and evolved into financial services in the late 19th century with money orders and travelers cheques. Today it is best known for its charge and credit cards, but American Express National Bank, its FDIC-insured banking subsidiary chartered in Utah, offers online-only Rewards Checking, High Yield Personal Savings, CDs, and personal loans. There are no retail Amex bank branches anywhere in the United States. American Express Company is publicly traded on the NYSE under the ticker AXP.
Frequently asked questions
Is there an American Express bank near me?
No. American Express does not operate retail bank branches. American Express National Bank is online only. What you can find nearby: ATMs that accept your Amex card (use the Amex ATM locator), MoneyPass ATMs if you have Rewards Checking or Bluebird, and, for eligible cardholders, Centurion Lounges at select airports.
Does American Express have branches or physical locations?
No retail bank branches. Physical Amex touchpoints include Centurion Lounges at airports (for Platinum, Business Platinum, and Centurion cardholders), the corporate headquarters at 200 Vesey Street in New York City, the American Express National Bank chartered address in Salt Lake City (Utah), and a small number of remaining Amex Travel offices.
Where is the closest American Express ATM to me?
Use the Amex ATM locator at network.americanexpress.com/globalnetwork/atm_locator/en/ and enter your address, city, or ZIP code. For Amex Rewards Checking and Bluebird customers, you can also use the MoneyPass locator at moneypass.com/atm-locator to find 37,000+ fee-free ATMs across the U.S.
Can I get cash from an ATM with my American Express credit card?
Yes, but only if your Amex card has a Cash Advance PIN, and only at ATMs that accept Amex (fewer than Visa or Mastercard networks). Cash advances on a credit or charge card carry a fee (often 3% to 5%) plus interest from the day of withdrawal. Use the Amex ATM locator to find compatible ATMs.
Are Amex Rewards Checking ATM withdrawals free?
Yes. American Express Rewards Checking members get fee-free ATM access at more than 37,000 MoneyPass network ATMs across the United States. Non-MoneyPass ATMs may charge a surcharge from the ATM owner.
What happened to American Express Serve ATMs?
American Express Serve was discontinued in 2024. If you were a Serve customer, Amex directed you to migrate to Bluebird or close the account. Current fee-free ATM access for Amex prepaid customers is through Bluebird on the MoneyPass network.
Does American Express National Bank have branches?
No. American Express National Bank (AENB) is online only. You open, fund, and manage Rewards Checking, High Yield Savings, and CDs entirely through americanexpress.com or the Amex app. AENB is FDIC-insured (Cert #27471).
Is American Express open right now?
American Express card customer service is available 24/7 by phone (number on the back of your card or 1-800-528-4800). The Amex app and americanexpress.com are also available 24/7. There are no retail branches with opening hours because Amex does not operate retail branches.
What is the American Express bank customer service phone number?
For general cards, call the number on the back of your card, or 1-800-528-4800. For American Express National Bank: Rewards Checking 1-800-297-3276, Personal Savings and CDs 1-800-446-6307. International collect calls: 1-336-393-1111 or 1-801-449-4019.
Where is American Express headquartered?
American Express Company is headquartered at 200 Vesey Street, New York, NY 10285 (Battery Park City, Manhattan). American Express National Bank, the FDIC-insured banking subsidiary, is chartered in Utah and headquartered at 4315 South 2700 West, Salt Lake City, UT 84184.
Does American Express have physical offices?
Probably not, unless you are near a Centurion Lounge airport location (and eligible to enter) or one of the small number of remaining Amex Travel offices for high-touch corporate travel accounts. All banking and card services run through the app, website, or phone.
More bank guides on Banks Near Me
Amex is charge and credit cards plus an online bank. For traditional retail banking with local branches, see Bank of America, Chase, Wells Fargo, Citibank, and U.S. Bank. For other online-only savings and checking accounts (Amex-style), see Marcus by Goldman Sachs, Ally Bank, Synchrony Bank, Discover Bank, and SoFi Bank. For ATM fee comparison, see ATM fees by bank.