Amex Express Cash

[n777ua]

Any NPSL Amex card holders enabled and used their "express cash" feature? It takes money directly out of a linked checking account just like a debit card, but an Amex rep told me its "more secure" than using my debit card.  Fee is 3% or $5, whichever is cheaper of the amount withdrawn.  I enabled it in case I needed to withdraw some cash on an upcoming trip to Europe, but I'm really wondering what the whole "more secure" thing means...

[Crashem]

Its kind of ripoff.  3% to get access to your own money.  Only useful thing I can see is that allows you to really lose some money in Vegas by allowing you to get more money than ATM daily limit.  I guess it is a bit more secure in that if they somehow dupe the Amex card as opposed to ATM card, you get Amex protections against Misuse.

[trumpet-205]

There really is no more secure. Just get AMEX Prepaid card and load money into it. No foreign transaction fee and first ATM withdraw per month is free.