Zelle® for Amex® Rewards Checking
Zelle® is available with American Express® Rewards
Checking.1 Start using it today to make quick, no-fee payments
online and from the American Express® App.2
It's Fast and Easy to Send Money With Zelle®1
Plus, no fees to use Zelle® in the Amex® App.
Send money in minutes1
With Zelle®, you can make an online payment in just a few taps – right from the Amex® App.
Pay without fees
By sending money to family and friends from the Amex® App.
So many ways to use Zelle®
Pay the babysitter, reimburse a friend for brunch, or quickly send money to a family member.1
How to Enroll with Zelle® in the Amex® App
Step 1
In the "Pay" section of your Amex® Rewards Checking account, select "Send Money with Zelle®" – then "Get Started."
Step 2
Enroll with Zelle® using either your email address or U.S. mobile number.
Step 3
You're now ready to start sending money from the Amex® App.
Don't have an American Express® Rewards Checking account?
Learn more about opening an online checking account – with no fee to open.
Terms apply.
Rewards Checking accounts offered by American Express National Bank. Member FDIC.
Safety Comes First
Zelle® is a quick1, no-fee way to pay in the Amex® App – but always make sure
you're sending money to friends and organizations you trust.
FAQ
You can send, request, or receive money with Zelle®. To get started, log into the Amex® App or your account online. Go to the “Pay” section of your Amex Rewards Checking account, select “Send Money with Zelle®” and then “Get Started.”
To send money using Zelle®, select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile number), add the amount you’d like to send and an optional note, review, then hit “Send.” The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. Money is typically available to your recipient in minutes if they are already enrolled with Zelle®.1
To request money using Zelle®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review, and hit “Request.” If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their U.S. mobile number.
To receive money, share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Rewards Checking account, typically within minutes.1
If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:
1. Click on the link provided in the payment notification you received via email or text message.
2. Select American Express National Bank.
3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification — you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.
American Express takes online security very seriously. You can learn more about some of the steps we take to protect your account here.
You can sync your contacts from your mobile phone to easily send money to friends and family. You can also add a trusted recipient's email address or U.S. mobile phone number.
Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor.
Since money is sent directly from your Rewards Checking account to another person’s bank account typically within minutes1, Zelle® should only be used to send money to friends, family, and others you trust.
If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).
Neither American Express nor Zelle® offers purchase protection for payments made with Zelle® – for example, if you do not receive the item you paid for, or the item is not as described or as you expected. Only send money to people you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
If you believe you're a victim of a scam, please contact us at 1-877-221-2639 and see Account Safety Tips for tools and resources available to you to help protect your Rewards Checking account.
In order to use Zelle®, the sender and recipient’s bank or credit union account must be based in the U.S.
Generally, Zelle® payments cannot be reversed.
You can only cancel a payment if the person you sent money to hasn’t enrolled with Zelle®, or if the payment is currently under security review by us. To cancel the payment, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel Payment.” If you’re having difficulty finding this option, please contact us at 1-877-221-2639 for assistance with canceling the pending payment.
It’s important to only send money to people you know and trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
If your intended recipient did not receive the money, please call us at 1-877-221-2639.
American Express does not charge any fees for using Zelle® in the Amex® App or online.
Your Zelle® QR code provides peace of mind knowing you can send and receive money to the right person, without typing an email address or U.S. mobile number.
To locate your Zelle® QR code, log into the Amex® App, click “Send Money with Zelle®.” Next, go to your “Zelle® settings” and click “Zelle® QR code” and your QR code will be displayed under “My Code.” From here you can view your QR code and use the print or share icons to text, email or print your Zelle® QR code. To receive money, share your Zelle® QR code.
To send money, log into the Amex® App, click “Send money with Zelle®,” click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, point your camera at the recipient’s Zelle® QR code, enter the amount, hit “Send,” and the money is on the way! When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending money.
Don't have the Amex® App Yet?
It's fast1 and easy to make payments with Zelle® — download the Amex® App and get started today.2
Terms and Conditions
1 Enrollment in Zelle with a Rewards Checking account is required to use the service. To send or receive money at American Express, both parties must be enrolled with Zelle® directly through their U.S.-based financial institution’s online or mobile banking experience. Transactions between enrolled consumers typically occur in minutes. Select transactions could take up to 3 business days.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
2 The American Express® App and app features are available only for eligible accounts in the United States. American Express® prepaid Cards and Cards issued by non-American Express issuers are not eligible.
To log in, customers must have an American Express user ID and password or create one in the app.
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play, and the Google Play logo are trademarks of Google LLC.