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Please see the Deposit Account Agreement for additional terms and conditions and Truth-in-Savings disclosures.

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American Express® Online Savings Account

Early CD withdrawals may be subject to significant penalties which could cause you to lose some of your principal.

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IRA distributions may be taxed and subject to penalties based on IRS guidelines.

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For a CD account, rates are subject to change at any time without notice before the account is opened.

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Transferring money between your Savings account and your external bank account is easy to set up and complete online.

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We recommend you consult with a financial or tax advisor when making contributions to and distributions from an IRA plan account.

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American Express® Online Savings Account

after you receive your confirmation email within minutes of applying.

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The first recurring deposit is assumed to begin in the second period after any initial deposit.

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Linking your external account can take up to 2 days.

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Please see for more information.

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However, please note that there are strict rules for withdrawing money from an IRA plan including an IRA High Yield Savings Account before retirement age without incurring a penalty.

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