Remember: In order to use your Business Debit Card, it must be fully activated.
Visit americanexpress.com/ActivateDebitCard to set up your pin.
BUSINESS CHECKING
All your Business
Checking questions
answered
Start earning 1.1% Annual Percentage
Yield (APY)1 and learn about all your
American Express® Business Checking
account has to offer. Capped at $500,000.
For all the work you put into your business, you deserve more –
and that's why we're giving it to you.
1.1% APY1 on balances up
to $500,000
No monthly maintenance fees
and no minimum balances 2
24/7 customer service from
specialists via chat or phone
Direct Deposit
Sync your new Business Checking account to a current account so you can schedule regular deposits.
Linked Accounts
Connect another bank account to your Business Checking account and be able to make deposits whenever you need via ACH or wire (domestic).
Mobile Deposits (iOS only)3
Make deposits from virtually anywhere by snapping a picture of your checks. Upload your photo within the American Express® Business Checking App, and your deposit will go directly into your account.
Pay Bills with Ease
Pay vendors, bills, and more with one click, online or through the mobile app (iOS only).
Transfer Funds2
Transfer funds from additional banking accounts using ACH or domestic wires.
Purchase Protection4 and Extended Warranty5
Covered Purchases made with your eligible Card may be protected with the added benefits of Purchase Protection4 and Extended Warranty5.
Debit Card Services
Visit the “Manage Your Business Debit Cards” page to view Card details, freeze your Card, request a replacement Card, and explore available Card services.
Set up Account Alerts
Don’t miss any important changes to your account. Keep up to date on your account by setting up alerts.
All Business Checking accounts come with an American Express® Business Debit Card. The Business Debit Card can be used for ATM withdrawals and purchasing needs.
Go Contactless
Contactless, chip-enabled technology enhances the safety and security of your Business Debit Card.
Find an ATM6
Enjoy fee-free ATM withdrawals at 37,000 MoneyPass® ATM locations nationwide.Visit americanexpress.com/atm-locator to find MoneyPass® ATMs in your area.6
Download the Mobile App (iOS only)7
Get banking done virtually anywhere with the help of the American Express® Business Checking App. Check statements, deposit checks, and more.
Reset Your Password
Keep your account safe by quickly and easily changing your password.
Open Additional Accounts for Your Business
You can have up to 10 American Express Business Checking accounts for a single business. Earn 1.1% APY, up to $500,000 on each account.
What is American Express® Business Checking?
American Express® Business Checking is an interest-bearing, no-maintenance-fee business checking account that enables small-to-medium businesses to make deposits, withdrawals, and conduct various types of transactions.
Can I have more than one American Express® Business Checking Account?
Yes, you can have up to 10 American Express® Business Checking accounts for a single business. Additional accounts can be opened within the Business Checking portal after initial account opening. Each American Express® Business Checking account is issued one American Express® Business Debit Card.
How does American Express® Business Checking work?
Business Checking is a fully digital online banking experience. All available applications, transactions, and account management functions can be conducted through the digital platform.
What if I have general questions about how the Business Checking or Business Debit works?
You can chat with a representative on our Contact Us page or call the Business Checking customer servicing line 24/5 at 855-497-1040.
If I have Business Checking or Business Debit servicing questions, where should I go?
You can chat with a representative on our Contact Us page or call the Business Checking customer servicing line 24/5 at 855-497-1040.
Are there fees associated with the Business Checking account?
Business checking offers:
- No monthly maintenance fees
- No fees for all incoming transactions (both domestic and international)
- No fees for outgoing domestic ACH payments
- $20 fee per for outgoing domestic wires
- $20 fee per outgoing international transactions
Is the interest rate fixed?
No, Business Checking is a variable rate account. The APY on your account will be disclosed in the Rates & Fees Table. American Express, at its discretion, may change the interest rate and corresponding APY on the account before or after the account is opened.
When does interest begin to accrue on my Business Checking account?
Interest begins to accrue on the day funds are deposited into your Business Checking account.
How is interest calculated and when is it credited to my Business Checking account?
Interest is compounded daily and credited to your Business Checking account monthly on the last day of your monthly statement period. If the account is closed before interest is credited, you will not receive the accrued interest.
Are there any Membership Rewards® points with American Express® Business Checking?
Currently, we are not offering Membership Rewards® points, but are working towards enabling this in the future.
Can I pay my American Express® Card balance with my Business Checking account?
Yes, you can add your Business Checking account as a payment option in your existing American Express Online Account.
Is there a monthly maintenance fee or minimum balance requirement?
There is no monthly maintenance fee or minimum balance requirement.
What happens if I open a Business Checking account but don’t fund it?
You must fund your Business Checking account within 60 days of opening, or the account will be closed.
Is my Business Checking account FDIC insured?
Yes, your Business Checking account is FDIC insured.
Accounts offered by American Express National Bank, Member FDIC. Funds deposited within American Express National Bank deposit accounts are insured by the Federal Deposit Insurance Corporation (FDIC) to at least $250,000 per depositor.
What types of checks are ineligible for deposit into American Express® Business Checking?
- Checks that are more than 6 months old
- Checks with any known or suspected alteration or which you (including any authorized person) know or suspect, or have reason to know or suspect, are unauthorized, fraudulent, or uncollectible
- Unendorsed or improperly endorsed checks
- International checks
- U.S. Savings bonds
- Money orders
- MoneyGram
- Travelers checks
- Counter or starter checks (without the bank routing number, account number and check serial number encoded at the bottom)
- Checks that have already been deposited or submitted for deposit (whether to your account with us or to another account of yours with another financial institution) by any means (including without limitation the U.S. mail or remote check deposit)
- Checks that have already been converted to an image or copy or
- Remotely created checks (checks that are not created by the paying bank and that do not include the signature of the drawer (maker) on whose account the check is drawn).
How can I use the American Express® Business Debit Card?
The American Express® Busines Debit Card can be used for ATM withdrawals and purchasing needs (point-of-sale or online).
How do I activate my Business Debit Card?
To activate your Card and set up your PIN, visit americanexpress.com/ActivateDebitCard.
Which ATMs can I use for fee-free withdrawals with my Business Debit Card?
You can enjoy fee-free ATM withdrawals at 37,000 MoneyPass® ATM locations nationwide. Visit americanexpress/atm-locator to find MoneyPass® ATMS in your area.8
1Annual Percentage Yield (APY), also referred to as annual interest, as advertised is accurate as of 10/28/2021. Interest rate and APY are subject to change at any time without notice before and after a Business Checking account is opened.
3Deposit limits and other restrictions may apply. Some deposit types are not eligible for mobile deposit. See the Remote Check Deposit Addendum in your Business Checking Account Agreement for other terms, conditions, and limitations.
4Purchase Protection is underwritten by AMEX Assurance Company. Subject to additional terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/PPterms. If You have any questions about a specific item, please call Us at 1-800-228-6855, if international, collect at 1-303-273-6498.
5Extended Warranty is underwritten by AMEX Assurance Company. Subject to additional terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/EWterms. If You have any questions about a specific item, please call Us at 1-800-228-6855, if international, collect at 1-303-273-6498.
6With free ATM access at MoneyPass® locations in the U.S., you can withdraw cash and check your balance at no charge. Access to ATMs outside of the MoneyPass® network may be subject to fees by the ATM owner and/or network. American Express applies a fee and a foreign currency adjustment to ATM withdrawals in currencies other than U.S. Dollars. Visit americanexpress.com/atm-locator to find the nearest MoneyPass® ATMs.
7See app store listings for operating system info. Messaging and data rates may apply.
8With fee-free ATM access at MoneyPass® locations in the U.S., you can withdraw cash and check your balance at no charge. Access to ATMs outside of the MoneyPass® network may be subject to fees by the ATM owner and/or network. American Express applies a fee and a foreign currency adjustment to ATM withdrawals in currencies other than U.S. Dollars. Visit americanexpress.com/atm-locator to find the nearest MoneyPass® ATMs.
1Annual Percentage Yield (APY), also referred to as annual interest, as advertised is accurate as of 10/28/2021. Interest rate and APY are subject to change at any time without notice before and after a Business Checking account is opened.
3Deposit limits and other restrictions may apply. Some deposit types are not eligible for mobile deposit. See the Remote Check Deposit Addendum in your Business Checking Account Agreement for other terms, conditions, and limitations.
4Purchase Protection is underwritten by AMEX Assurance Company. Subject to additional terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/PPterms. If You have any questions about a specific item, please call Us at 1-800-228-6855, if international, collect at 1-303-273-6498.
5Extended Warranty is underwritten by AMEX Assurance Company. Subject to additional terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/EWterms. If You have any questions about a specific item, please call Us at 1-800-228-6855, if international, collect at 1-303-273-6498.
6With free ATM access at MoneyPass® locations in the U.S., you can withdraw cash and check your balance at no charge. Access to ATMs outside of the MoneyPass® network may be subject to fees by the ATM owner and/or network. American Express applies a fee and a foreign currency adjustment to ATM withdrawals in currencies other than U.S. Dollars. Visit americanexpress.com/atm-locator to find the nearest MoneyPass® ATMs.
7See app store listings for operating system info. Messaging and data rates may apply.
8With fee-free ATM access at MoneyPass® locations in the U.S., you can withdraw cash and check your balance at no charge. Access to ATMs outside of the MoneyPass® network may be subject to fees by the ATM owner and/or network. American Express applies a fee and a foreign currency adjustment to ATM withdrawals in currencies other than U.S. Dollars. Visit americanexpress.com/atm-locator to find the nearest MoneyPass® ATMs.