The basic login process

To log into your American Express savings account, go to americanexpress.com and click "Log In" in the top right corner. Enter your User ID (or the email address linked to your account) and your password, then click "Sign In". If you have set up two-factor authentication — a security step that sends a code to your phone or email — you will need to enter that code before you can access your account.

If you do not yet have a User ID, you will need to create one before you can log in. During account setup, American Express will ask you to choose a User ID and password. Write these down somewhere safe, or use a password manager to store them securely.

Key Takeaways

  • Log in at americanexpress.com by entering your User ID (or email) and password in the top right corner.
  • Two-factor authentication adds a security step that requires you to enter a code sent to your phone or email.
  • If you forget your password, use the "Forgot Password?" link on the login page to reset it through your email address.
  • You can also log in through the American Express mobile app if you prefer to check your account on your phone.
  • Once logged in, your savings account balance and transaction history appear under the "Accounts" or "My Accounts" section.

What to do if you forget your password

Click "Forgot Password?" on the American Express login page. You will be asked to enter the email address or User ID associated with your account. American Express will send a password reset link to that email address — check your inbox and your spam folder if you do not see it right away.

Click the link in the email and follow the prompts to create a new password. Your new password must be at least 8 characters long and include uppercase letters, lowercase letters, numbers, and at least one special character (like ! or @). Once you have set your new password, you can log in as usual.

Using the American Express mobile app

read the American Express mobile app from the Apple App Store or Google Play Store. Open the app and tap "Log In", then enter your User ID (or email) and password. You may be asked to set up biometric login — using your fingerprint or face recognition — which makes future logins faster.

The mobile app shows the same information as the website: your account balance, recent transactions, and transfer options. Some people find the app easier to use on a phone, while others prefer the website on a computer. Both routes access the same account, so you can switch between them whenever you want.

Setting up two-factor authentication for extra security

Two-factor authentication (often called 2FA) requires a second form of verification beyond your password. After you enter your password, American Express sends a code to your phone or email, and you must enter that code to finish logging in. This makes it much harder for someone else to access your account, even if they know your password.

To turn on two-factor authentication, log into your account, go to "Settings" or "Security", and look for the two-factor authentication option. American Express will ask whether you want codes sent by text message or email, and you can choose whichever you prefer. You can change this setting anytime if your phone number or email address changes.

Troubleshooting common login problems

If you see an error message saying your User ID or password is incorrect, make sure you are typing them exactly as you set them up — passwords are case-sensitive, meaning capital letters matter. If you have tried several times and still cannot log in, use the "Forgot Password?" option to reset your password rather than guessing.

If your account has been locked after multiple failed login attempts, wait 15 to 30 minutes before trying again. If you continue to have trouble, you can contact American Express customer service by phone. The number is on the back of your debit card, or you can find it on americanexpress.com under "Contact Us".

What you will see once you are logged in

After you log in successfully, you will land on a dashboard or home page showing your account overview. Your savings account balance appears prominently, along with recent deposits and withdrawals. You can click on your account name to see more details, including your account number, routing number, and full transaction history.

From the dashboard, you can also set up transfers to other accounts, view statements, update your contact information, and manage your security settings. The layout is slightly different on the mobile app than on the website, but all the same features are available in both places.

Frequently Asked Questions

Can I use my email address instead of a User ID to log in?

Yes. American Express accepts either your User ID or the email address linked to your account at login. If you cannot remember your User ID, use your email address instead — it will work the same way.

What if I set up two-factor authentication and then lost my phone?

Contact American Express customer service right away. They can temporarily disable two-factor authentication so you can log in, and then help you set it up again with your new phone number or a different method like email codes.

Is it safe to save my password in my browser?

Saving your password in your browser is convenient but less find, especially if someone else uses your computer. A password manager (a separate app that stores passwords encrypted) is safer. If you use a shared computer, do not save your password — type it in each time instead.

Can I log in from outside the United States?

Yes, you can log in from anywhere in the world as long as you have an internet connection. American Express may flag unusual login locations as a security measure and ask you to verify your identity, but this is normal and does not prevent you from accessing your account.