{"account":{"slug":"amex-high-yield-savings","bank":"American Express National Bank","name":"High Yield Savings Account"},"status":"recent","lastVerified":"2026-11-02","officialSource":"https://www.americanexpress.com/en-us/banking/online-savings/high-yield-savings-account/","history":[{"date":"2026-10-05","apy":"3.10% (as of October 2026, up from 3.00% after the Fed's September 16, 2026 rate hike)","monthlyFee":"$0","minimumOpen":"None","atm":"No ATM or debit access on savings; Amex Rewards Checking has its own debit card","note":"Previously published snapshot; later source verification supersedes the rate and unsupported comparisons."},{"date":"2026-10-22","apy":"3.20% variable APY, checked October 22, 2026","monthlyFee":"$0 monthly fee","minimumOpen":"$0 minimum; initial funding required within 60 days","atm":"No ATM card, debit card or checkbook with the HYSA","note":"Public rate confirmed at 3.20%; clarified express transfers versus deposit holds and removed unsupported competitor rankings.","sourceUrl":"https://www.americanexpress.com/en-us/banking/online-savings/high-yield-savings-account/","sourceLabel":"Amex HYSA product page, public rate data and current savings schedule"},{"date":"2026-11-02","apy":"3.20% variable APY, checked November 2, 2026","monthlyFee":"$0 monthly fee","minimumOpen":"$0 minimum; initial funding required within 60 days","atm":"No ATM card, debit card or checkbook with the HYSA","note":"Freshness-rotation reconfirmation: Amex's HYSA page footnote is dated 11/2/2026 and still shows 3.20% APY. No change.","sourceUrl":"https://www.americanexpress.com/en-us/banking/online-savings/high-yield-savings-account/","sourceLabel":"Amex HYSA product page, checked November 2, 2026"}],"verificationEvents":[{"id":"5613ca19-d662-4dac-8472-76d250c0540c","entityType":"bank-account","slug":"amex-high-yield-savings","checkedAt":"2026-10-23T03:27:51.420Z","recordedAt":"2026-10-23T03:27:51.421Z","sourceUrl":"https://www.americanexpress.com/content/dam/amex/en-us/banking/personal-savings/deposit_account_agreement.pdf?extlink=US-Servicing-null-savingsdaa","sourceLabel":"Amex deposit agreement and October 18 savings schedule","outcome":"changed","summary":"Distinguished deposit availability from transfer processing and confirmed initial funding within 60 days. November 3 online-wire change is future-dated and was not represented as currently available.","changedFields":["minimumOpen","sections","faqs"],"previousHash":"920e88d26ce0e1c02e779e6cea04aa4ff5b96132489a273e128ed1529c9f122d","recordHash":"ce7266c0c36828ff34ec1623a4c745fd58002f534aa818989fa2ab490e05b76b"},{"id":"9cb6fd86-784c-46bc-be5f-3ff695cc4baa","entityType":"bank-account","slug":"amex-high-yield-savings","checkedAt":"2026-10-23T03:27:51.354Z","recordedAt":"2026-10-23T03:27:51.355Z","sourceUrl":"https://www.americanexpress.com/en-us/banking/online-savings/high-yield-savings-account/","sourceLabel":"Amex savings product page","outcome":"changed","summary":"Confirmed monthly fee/minimums, interest crediting, mobile deposits, joint accounts, no debit or ATM card, eligible same-day express transfers and 24/7 support. Removed unsupported competitor rankings and causal Fed-rate assertion.","changedFields":["features","pros","cons","ourTake","faqs"],"previousHash":"90af47df9ea1ca9bb8346561b4fc2b2d8ac3caf1993651fb0984a02ae25a7249","recordHash":"920e88d26ce0e1c02e779e6cea04aa4ff5b96132489a273e128ed1529c9f122d"},{"id":"893ef47d-c935-457b-8414-2717a5f98540","entityType":"bank-account","slug":"amex-high-yield-savings","checkedAt":"2026-10-23T03:27:51.216Z","recordedAt":"2026-10-23T03:27:51.218Z","sourceUrl":"https://daconsumershop.americanexpress.com/us/cardshop-api/api/v1/cps/content/banking/highYieldSavings","sourceLabel":"Amex public HYSA rate data","outcome":"changed","summary":"Unauthenticated public endpoint used by current product-page code reports APY 3.20 and interest rate 3.15. Default campaign 81036 gives the same response; no login or cookies used.","changedFields":["apy","lastVerified"],"previousHash":"85a236e2c41d7bed4ffff2b8465eec0633d1bbbbbf0d82242bd812c31015dd0f","recordHash":"c460aa42b845a29bc8eba329870c39433ca4ab9d48f5601a8249ae2e52ccd19e"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}