What is American Express National Bank's routing number?

American Express National Bank's ABA routing number is 124085066. This number is used for ACH transfers and direct deposit to your American Express High Yield Savings Account. American Express uses one routing number nationwide — it does not vary by state.

How do I find my American Express savings account number?

Log in to americanexpress.com → select your High Yield Savings Account → Account Details. Your account number is displayed there. You can also find it in the American Express app under your savings account summary. American Express does not issue checks, so there is no check to reference.

Does American Express support wire transfers?

American Express National Bank supports incoming domestic wire transfers. Provide: Bank name: American Express National Bank; ABA: 124085066; Bank address: 4315 S. 2700 W., Salt Lake City, UT 84184. American Express does not typically offer outgoing wires on savings accounts — use ACH transfers for withdrawals.

Can I set up direct deposit to my American Express savings account?

Yes, technically. You can direct deposit into your AmEx High Yield Savings using routing 124085066 and your account number. However, since it is a savings account with no debit card, most customers use direct deposit to their primary checking account and then transfer funds to AmEx for savings. The account does not offer early direct deposit.

American Express Savings Routing Number 2026: ABA and Wire Details

American Express National Bank’s routing number is 124085066. This number is used for all ACH transfers, direct deposits, and incoming wire transfers.

American Express National Bank Routing Number

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 for all states

What the Routing Number Is Used For

Purpose	Routing number
ACH transfer (to/from AmEx savings)	124085066
Direct deposit	124085066
Incoming domestic wire	124085066

How to Find Your Account Number

American Express does not issue checks, so your account number cannot be found on a check.

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
Your full account number is displayed (click to reveal)

You can also find it in the American Express App under your savings account → Account Details.

Linking an External Bank to American Express

To link your primary checking account for transfers:

Log in → My Account → External Accounts → Add Account
Enter your external bank’s routing and account numbers
American Express sends two small verification deposits (1–2 business days)
Confirm the amounts in your external bank
The link is established — ACH transfers take 1–3 business days each direction

Incoming Wire Transfer Instructions

Bank Name: American Express National Bank
ABA Routing Number: 124085066
Account Number: [Your AmEx savings account number]
Account Name: [Your full name]
Bank Address: 4315 S. 2700 W., Salt Lake City, UT 84184

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