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Not only is there no monthly maintenance fee, but you also won’t.
Right now, american express national bank, member fdic, is paying 3.50% apy (annual percentage yield) on their high‑yield savings account as of november 02, 2025. American express offers an ira high yield savings account and an ira certificate of deposit Neither account has a minimum balance requirement, but rates differ between the two American express doesn’t have brick and mortar locations, but they do offer online banking services
This type of account is not meant for everyday spending, as atm cards and checks are not provided. American express savings accounts offer competitive savings rates, no monthly fees, & no minimum balance Apply for a high yield savings account to earn more interest!