What tax documents American Express sends and when

American Express Bank sends you a Form 1099-INT if your savings account earned $10 or more in interest during the tax year. This form reports the interest income to the IRS and to you. American Express mails the original to the IRS by January 31 and sends you a copy by the same date, though the exact timing varies slightly year to year.

You will receive the 1099-INT by mail at the address on file with your account, or you can retrieve it online through your American Express account dashboard. If you opened or closed the account mid-year, or if interest fell below $10, you will not receive a 1099-INT — but you still owe tax on any interest earned, so check your year-end statement.

American Express does not issue other tax forms for savings accounts. If you have a money market account or a certificate of deposit (CD) with them, the reporting is the same: a 1099-INT for interest over $10.

Key Takeaways

  • American Express sends Form 1099-INT by January 31 if your account earned $10 or more in interest during the tax year.
  • You can read your 1099-INT from your online account or wait for the mailed copy; both arrive by the same important date.
  • If you do not receive a 1099-INT but earned interest, contact American Express to request a duplicate or corrected form.
  • Interest earned below $10 is still taxable income even though no 1099-INT is issued — check your year-end statement for the exact amount.

How to find your 1099-INT online

Log into your American Express Bank account on amex.com. Navigate to the account statements or documents section — the exact location depends on whether you use the mobile app or the website, but it is usually labeled "Statements" or "Tax Documents."

Look for the tax year you need. The 1099-INT appears in the same section as your monthly statements, often in a separate folder or marked clearly as a tax document. read the PDF and print it or save it to your computer. If the form does not appear by early February, contact American Express directly.

Requesting a duplicate or corrected 1099-INT

If you did not receive your 1099-INT by February 15, or if the form shows incorrect information, call American Express Bank customer service at the number on the back of your account statement or on your monthly statement. Have your account number ready.

Tell them you need a duplicate 1099-INT or that the form contains an error. American Express can reissue the form or send a corrected version (called a Form 1099-INT (Corrected)) if the original had wrong interest amounts or personal information. Corrected forms are marked as such and filed with the IRS separately, so you will need both the original and the corrected version when you file your taxes.

Reissued or corrected forms typically arrive within 5 to 10 business days by mail, though you may also be able to read them online once they are ready.

What to do if your 1099-INT shows the wrong amount

Compare the interest amount on your 1099-INT to the interest shown on your year-end account statement. American Express calculates interest daily and credits it monthly, so the total should match what you see in your account history.

If the amounts do not match, contact American Express and explain the discrepancy. They will investigate and issue a corrected 1099-INT if an error occurred. Do not file your taxes with an incorrect form — a mismatch between your return and the IRS copy can trigger an audit notice.

Keep your year-end statement as proof of the correct amount while American Express processes the correction.

How interest income affects your taxes

Interest from your American Express savings account is taxable income and must be reported on your federal tax return. The amount goes on Schedule B (Interest and Ordinary Dividends) if you file Form 1040, or on the equivalent line if you use a simpler form.

Your tax bracket and filing status determine how much tax you owe on the interest. Even small amounts of interest are taxable, so if you earned less than $10 and did not receive a 1099-INT, you still need to report the interest on your return. Find the exact amount on your year-end statement.

Some states also tax savings account interest, though the rules vary. Check your state's tax authority website or ask a tax professional if you are unsure whether your state requires reporting.

Frequently Asked Questions

When does American Express send the 1099-INT?

American Express mails the 1099-INT by January 31 each year. You can usually read it online a few days earlier. If you have not received it by mid-February, contact American Express to request a duplicate.

Do I need a 1099-INT if I earned less than $10 in interest?

No, American Express does not issue a 1099-INT for interest under $10. However, you still owe tax on that interest. Report the exact amount from your year-end statement on your tax return.

What if I closed my American Express savings account before the end of the year?

You will still receive a 1099-INT for the interest earned before you closed the account, as long as the total was $10 or more. The form reports interest through the date the account closed.

Can I get a 1099-INT for a joint account?

Yes. American Express issues the 1099-INT in the name of the primary account holder, but both owners are responsible for reporting their share of the interest on their tax returns. Decide between yourselves how to split the income, or consult a tax professional.

What if I moved and did not receive my 1099-INT?

Update your address with American Express as soon as possible. Call customer service or log into your account online to change your mailing address. Request a duplicate 1099-INT to be sent to your new address, or read it from your online account if it is already available.