Tax Refund | SERVE

Get faster access to your tax refund with Serve¹

Use your Serve Account & Routing numbers on your tax return.

Waiting on your refund?

You can check the status of your refund on the IRS Where's My Refund tool, the IRS2Go app, or by calling the IRS at 800-829-1954.

Check Your Status

Staying Informed About Your Tax Refund Status

You can check your refund status anytime by using:

IRS Where’s My Refund tool
IRS2Go mobile app
or by calling the IRS at 800-829-1954

Only the IRS will have the updated information on the status of your tax refund. Serve will notify you once your refund has been received and is ready for you to access. Then you can use your refund.

Direct Depositing Your Tax Refund to Serve Is Quick and Easy

Log in to Your Account

To get your Account and Routing numbers, Log in now. If you don't have a Serve^® Visa Bank Account or Serve^® Visa Pay As You Go, Open an Account to get started today.
File Your Taxes

Direct Deposit your refund into your Serve Account.
Use Your Refund

Shop at millions of your favorite stores, pay bills, or withdraw cash at ATMs nationwide.²

Your Guide to Help with Tax Season

Deposit funds into your Serve Account

Before You File

Deposit funds into your Serve Account whether you file directly with the IRS or work with a tax professional.

Visit IRS's official website for more information on filing your taxes.

Getting your refund is fast and secure⁵

When You File

Ensure your refund is added to your Serve Account with the guidelines below.

How to fill out your tax form for Direct Deposit:

Log in to your Account.
Get your Serve Account and Routing numbers.
Enter your Account and Routing numbers in the "Refund" section of your tax return and select "Checking" as the type of account.

Important Reminders

1. Register your Account

You must have successfully completed online registration and email verification to add your refund to your Serve Visa Pay As You Go or Serve Visa Bank Accounts. You must have also activated the personalized Serve card you received in the mail.
2. Match your information

The primary name and social security number on your tax return must match your Serve Account information.
3. Joint Filing

If you’re filing jointly with your spouse, the first name and social security number listed on the tax form must match your Serve Account information.

After You File

Let Serve's features and benefits help you get more out of your tax refund

We work hard to keep your information safe and secure. With American Express’s proprietary

or you can have peace of mind when making purchases with Serve.

We work hard to keep your information safe and secure. With American Express’s proprietary

or you can have peace of mind when making purchases with Serve.

Frequently Asked Questions

: Yes! With Direct Deposit, you can access your federal tax refund up to 5 days faster.¹ Your tax refund will be added to your account as soon as your return is processed and completed by the IRS. To check the status of your refund, please visit the IRS Where’s My Refund tool, IRS2Go App, or by calling the IRS at 800-829-1954.
If your state allows, you can Direct Deposit your state tax refund to your Serve Account. Please consult your state for instructions.
: Make sure you have registered for a Serve account. If you do not have an account, click here to see how to get a Serve account.
Locate your Serve account and Routing numbers, which you’ll need when you file. You can find them in "My Profile" when you log in to your account.
: Yes. However, in order to avoid a delay in receiving your funds, the primary name and social security number on the tax return must match the name and social security number that we have on file. If you are listed as the primary name on the account, you cannot be listed as "spouse" on your tax return. If this is not filled out correctly, your refund could be rejected, resulting in a potential delay in receiving your funds from the IRS.
: You can check that status of your refund on the IRS Where’s My Refund tool, the IRS2Go App, or by calling the IRS at 800-829-1954. The IRS information is updated every 24 hours. Serve Customer Service does not have information on the status of your refund until it has posted to your account. According to the IRS, most refunds are issued in less than 21 calendar days. It will take 24-48 hours for your funds to be available on Serve after your refund has been released by the IRS. You will receive an email from Serve once the refund has posted to your account.
: Follow the steps below to successfully add your tax refund to your Serve:
Ensure that the primary name and Social Security Number on your tax return matches the name on your Serve account exactly.
In the Refund section of the tax return:
Fill in your Serve Routing number
Fill in your Serve account number
Select "Checking" as the type of account
: There is a limit of two tax refunds per calendar year per account. You could receive both a federal and state refund on your account for a total of two refunds.
: No. In accordance with IRS guidelines, you cannot Direct Deposit someone else's refund to your account. In this case, the deposit of the tax refund will be rejected.
If you have a Subaccount that is used by another person, you cannot receive a tax refund for that person on your Serve account.
: Please consult the IRS Frequently Asked Questions for any other inquires specific to your tax refund.

¹Faster access compared to standard tax refund electronic deposit and subject to IRS submitting refund information to the bank before scheduled payment date. IRS may not submit refund information early. Does not change IRS refund processing speed. Claim is based on our making federal tax refund proceeds available when payment instruction is received from IRS, which may be earlier than scheduled payment date. Depends on timing of the IRS's payment file. Available only for federal refunds. May be changed or discontinued at any time.

²For Serve Bank Accounts, you can enjoy free ATM withdrawals at over 40,000 ATMs in the MoneyPass^® ATM network in the US. Transactions at non-MoneyPass ATMs have an up to $3.00 Serve fee. ATM operator fees and decline fees may also apply. For the Serve^® Pay As You Go Visa^® Prepaid Card, ATM transactions have a $2.25 Serve fee. ATM operator fees and decline fees may also apply. See serve.com/atm for details.

³The Serve Cash Pickup service is provided by Ria (defined below) pursuant to Ria’s Terms and Conditions, Ria’s Privacy Policy, and the applicable Serve American Express Prepaid Debit Account Consumer User Agreement, Serve Pay As You Go Prepaid Card Cardholder Agreement, or Serve Bank Account Deposit Account Agreement, and is subject to all applicable laws and regulations. Pickup is available in all 50 United States and Puerto Rico. For tax refunds or refund advances that are Direct Deposited to your Account, the daily Cash Pickup limit will be the lesser of (i) $2,900 and (ii) the tax funds amount, until you have withdrawn the tax funds amount. Otherwise, a $900 daily Cash Pickup limit applies. Fee of $3.49 for each withdrawal up to $500, $6.49 for each withdrawal of $500.01- $900, and $9.49 for each withdrawal of $900.01-$2,900 applies. Other limits and terms and conditions apply. Visit serve.com/cashpickup for complete details. Ria is a registered trademark of Continental Exchange Solutions, Inc. dba Ria Financial Services, licensed as a Money Transmitter by the Department of Financial Services of the State of New York; licensed by the Georgia Department of Banking and Finance, NMLS ID 920968; and authorized independently or through its affiliate, Ria Financial Services Puerto Rico, Inc. OCIF LICENSE NUMBER TM-2014-031, to operate as a Money Transmitter in all United States' jurisdictions where it conducts business. American Express Travel Related Services Company, Inc. is not responsible for Ria’s acts or omissions in its provision of Serve Cash Pickup services. Serve Cash Pickup orders can be picked up during Walmart store hours (typically 8:00 a.m. to 8:00 p.m. Monday through Saturday and 10:00 a.m. to 6:00 p.m. Sunday, but hours may vary) at any Walmart MoneyCenter or customer service desk in the State or territory you specified in your order. To pick up your Serve Cash Pickup order, you must present a valid government-issued photo ID and pickup reference number. You will be required to provide proof of address if your ID does not contain your address or contains a P.O. Box.

⁴Faster access compared to standard payday electronic deposit and subject to your employer submitting paycheck information to the bank before payday. Your employer may not submit paycheck information early.

⁵Under Visa’s Zero Liability Policy, your liability for unauthorized transactions on using your Card is $0.00 if you notify us immediately and are not grossly negligent or fraudulent in the handling of your Card. This Zero Liability Policy does not apply to debit transactions not processed by Visa, foreign ATM withdrawals, or if we are unable to verify your identity.