American Express National Bank’s routing number is 124085066. This single ABA number applies to all 50 states and is used for ACH transfers, direct deposits, and incoming domestic wire transfers to your American Express High Yield Savings Account.
American Express Routing Number at a Glance
| Detail | Information |
|---|---|
| ABA routing number | 124085066 |
| Bank name | American Express National Bank |
| Bank address | 4315 S. 2700 W., Salt Lake City, UT 84184 |
| State-specific routing numbers | No — one number nationwide |
| SWIFT code (international) | Not available for retail accounts |
Important: American Express National Bank is separate from American Express’s credit card operations. The routing number 124085066 is specifically for the savings and CD accounts held at American Express National Bank — not for credit card payments.
What the Routing Number Is Used For
| Purpose | Routing Number |
|---|---|
| ACH transfer in (deposit to AmEx) | 124085066 |
| ACH transfer out (withdrawal from AmEx) | 124085066 |
| Direct deposit | 124085066 |
| Incoming domestic wire transfer | 124085066 |
| Outgoing wire transfer | Not supported |
| International wire transfer | Not supported |
ACH transfers — both deposits into and withdrawals from your AmEx savings — use the same routing number. American Express does not support outgoing wire transfers from savings accounts, and there is no SWIFT code for international transfers. For moving money into AmEx, ACH is your primary option.
How Long Do ACH Transfers Take?
Standard ACH transfers to and from American Express savings take 1 to 3 business days in each direction. Transfers initiated before 8 p.m. ET on a business day are typically processed the following business day. Weekends and federal holidays do not count.
Practical example: You initiate a $5,000 transfer from your Chase checking to your AmEx savings on a Monday afternoon. The funds typically appear in your AmEx account by Wednesday or Thursday. The same timeline applies in reverse — a withdrawal from AmEx back to Chase takes another 1–3 business days.
This transfer lag is standard for online savings accounts with no debit card. If you need to access savings quickly, plan transfers a few days in advance. See the AmEx transfer limit guide for the maximum amounts you can move per transaction and per day.
How to Find Your American Express Account Number
American Express does not issue checks for savings accounts, so there is no check to reference. Your account number is found in your online account.
To find your account number:
- Log in to americanexpress.com
- Click on your High Yield Savings account
- Select Account Details or the “i” information icon
- Click Show or Reveal next to the account number field
- Copy the number — it is typically 12–16 digits
You can also find it in the American Express mobile app under your savings account → Account Details.
Keep your account number secure. Unlike a routing number (which is public), your account number combined with the routing number is enough for someone to initiate an ACH debit from your account.
How to Link an External Bank Account
To transfer money between your primary checking account and AmEx savings, you must first link the external account:
- Log in to americanexpress.com → My Account → External Accounts → Add Account
- Enter your external bank’s routing number and account number
- American Express sends two small micro-deposits (usually under $0.50 each) — this takes 1–2 business days
- Log in to your external bank, find the two deposit amounts, and confirm them in your AmEx account
- The link is established — transfers in both directions now take 1–3 business days
You can link multiple external accounts. Most customers link their primary checking account and initiate transfers manually whenever they want to move money into savings to earn the 4.00% APY.
Setting Up Direct Deposit to AmEx Savings
You can direct deposit a paycheck or government payment directly into your AmEx High Yield Savings account using:
- Routing number: 124085066
- Account number: Your AmEx savings account number (found in Account Details)
Provide these to your employer’s payroll system or government benefits agency exactly as you would for a checking account. The account type is savings.
Keep in mind: AmEx savings has no minimum balance requirement — even a small direct deposit qualifies. However, since there is no debit card or ATM access, direct depositing your full paycheck here is impractical for daily spending. Most customers direct deposit to a checking account and then push transfers to AmEx separately.
Incoming Wire Transfer Instructions
To wire money into your AmEx savings from another bank or brokerage, provide the following details to the sending institution:
Bank Name: American Express National Bank
ABA Routing Number: 124085066
Account Number: [Your AmEx savings account number]
Account Holder Name: [Your full legal name]
Bank Address: 4315 S. 2700 W., Salt Lake City, UT 84184
Incoming domestic wire transfers are accepted. Verify with the sending bank that they can initiate a domestic USD wire using an ABA routing number — most US banks can. Wire transfers typically arrive within the same business day if initiated before the sending bank’s wire cutoff time (usually 4–5 p.m. ET).
Does AmEx Have a SWIFT Code?
No. American Express National Bank does not provide a SWIFT code for retail savings customers and does not accept international wire transfers for consumer accounts. If you need to receive money from outside the United States, you would need to receive it in a bank that supports international wires and then ACH transfer the funds to your AmEx savings account.
What Happens if You Use the Wrong Routing Number?
If you submit an incorrect routing number for an ACH transfer:
- The transfer will typically fail and be returned within 1–3 business days
- No funds are lost — the money is returned to the originating account
- You may see a brief hold period before the returned funds are available
If a transfer posts to the wrong account (rare, but possible with incorrect account numbers), contact American Express customer service immediately at 1-800-446-6307. AmEx savings customer service is available 24/7.
Related Guides
- American Express High Yield Savings Review — rates, fees, and full account overview
- AmEx Transfer Limit 2026 — daily and per-transaction ACH limits
- AmEx Customer Service 2026 — phone number and hours
- AmEx CD Rates 2026 — lock in a fixed rate alongside your savings
The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy