American Express^® Rewards Checking

Applying for an American Express Rewards Checking account can be completed in minutes. We are currently accepting applications from Card Members with a U.S. Basic Consumer Card issued by American Express National Bank (AENB) with at least 5 days tenure. We may also accept applications from Additional Card Members on a U.S. Basic Consumer Card issued by AENB, Customers with an existing High Yield Savings Account and CD with at least 5 days of tenure who are not existing US Basic Card Members. Submitted applications will be reviewed promptly with decisions that can be provided within minutes.

You can apply for an American Express^® Rewards Checking account at americanexpress.com/rewardschecking. 

At this time, there is a limit of one account per customer. If you already have an account and wish to join another account as a co-owner, you must close your existing account and reapply after receiving an invitation to join the other account. 

Once your account is created, you’ll need to fund your account within 60 days to keep it open. You have several options available including:

• Making a deposit online: After linking one of your other bank accounts, you can enable an online transfer into your American Express^® Rewards Checking account. If you have both an American Express^® Rewards Checking account and an American Express^® High Yield Savings Account, you can also transfer funds between these two accounts. Before you can initiate an internal transfer, please make sure that your American Express^® High Yield Savings Account is linked to your americanexpress.com online profile, and uses the same User ID and password. For more information on how to link your accounts, please visit go.amex/savingsaccess. If you’re interested in learning more about an American Express^® High Yield Savings Account, please visit americanexpress.com/en-us/banking/online-savings/high-yield-savings.
  
  
• Setting up direct deposit: American Express offers three ways to switch and set up direct deposit with your Rewards Checking account:

1. If you already have direct deposit set up elsewhere, use our online automated direct deposit switcher through our partnership with Pinwheel.
2. Provide your payroll provider with your account number and routing number. 
3. Download the Amex direct deposit form, fill it out, and share it with your payroll provider. 

Please visit americanexpress.com/rewardscheckingdirectdepositfaqs for more information on direct deposit setup. 

• Using mobile check deposit: You can deposit a check quickly right from your mobile device using the Amex^® App. Mobile data rates may apply. Alternatively, you can mail a physical check to us. Please visit the Deposit by Physical Check Section in the Consumer Deposit Account Agreement at go.amex/depositsdaa to learn more.

• Wires: You can receive incoming wire transfers from external banks into your Rewards Checking account for no fee.

• Zelle^®: Zelle^® is a fast and convenient way to receive money for no fee from people you know and trust to your American Express^® Rewards Checking account. Terms and Conditions apply. For more information on how to use Zelle^®, please visit americanexpress.com/en-us/banking/online-checking/frequently-asked-questions/zelle. 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 three business days. Zelle^® and the Zelle^®- related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.
  

Funds in your Available Balance can be transferred from your account by the following means: 

• You can transfer money from your your American Express^® Rewards Checking account to another financial institution online or in the Amex^® App

• If you have both an American Express^® Rewards Checking account and an American Express^® High Yield Savings Account, you can also transfer funds between these two accounts by logging in to either account online at americanexpress.com. Before you can initiate an internal transfer, please make sure that your Rewards Checking account and your American Express^® High Yield Savings Account are linked to your americanexpress.com online profile, and use the same User ID and password. For more information on how to link your accounts, please visit go.amex/savingsaccess. If you would like to learn more about an American Express^® High Yield Savings Account, please visit americanexpress.com/en-us/banking/online-savings/high-yield-savings.

• You can also send payments to other financial institutions for a $20 fee through outgoing wire transfers from your Rewards Checking account. Please note that a sufficient Available Balance is required to send outgoing wires, and your account's Available Balance may not be reduced when the wire is pending. For more information on outgoing wires, please see the Fees section in the Rewards Checking Account Schedule at go.amex/checkingschedule.

• You can also use your account number and routing number provided on your American Express^® Rewards Checking account home page to pay bills or make person-to-person (P2P) payments on third-party sites directly from your Rewards Checking account. You also have the option to order checks through a third-party vendor using your American Express^® Rewards Checking account number and routing number. Fees vary based on items ordered.

• You can use Zelle^® to send money to people you know and trust right from your American Express^® Rewards Checking account. Terms and Conditions apply. For more information on Zelle^®, please visit americanexpress.com/en-us/banking/online-checking/frequently-asked-questions/zelle. 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 three business days. Zelle^® and the Zelle^®- related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.

• You can use Bill Pay to send one-time or fixed recurring payments using ACH or checks without the need to share your account number or routing number with the biller. For more information on Bill Pay, please see the Bill Pay Service section in the Rewards Checking Account Schedule at go.amex/checkingschedule.

Funds availability timing may vary depending on how funds were deposited to your account. For more details, please see the Funds Availability section in the Rewards Checking Account Schedule at go.amex/checkingschedule.

Transaction limits differs by transaction type. Please see the Transactions and Limitations section in the Rewards Checking Account Schedule at go.amex/checkingschedule for details. 

For information about the types of limits on mobile check deposits, please see the Mobile Check Deposit Agreement at go.amex/mcdterms.

You may only submit checks payable in U.S. Dollars. For a list of the types of checks, please view the Deposits by Physical Check section in the Consumer Deposit Account Agreement at go.amex/depositsdaa

We recommend you keep your check until you see the full amount in your account’s Available Balance.

If you experience an error processing a transfer or deposit on your account, please call us at 1-877-221-2639. You can also chat with us at americanexpress.com or in the Amex^® App

Yes, you can add your American Express^® Rewards Checking account as a payment option in your existing Card online account.

You can use Bill Pay to send one-time or fixed recurring payments using ACH or checks without the need to share your account number or routing number with the biller.

To get started, log in to the Amex^® App or your account online. Go to the “Pay” section of your Amex Rewards Checking account, select “Pay Your Bills” and then “Add New Bill”.

For more information on Bill Pay, please see the Bill Pay Service section in the Rewards Checking Account Schedule at go.amex/checkingschedule.

After opening an American Express® Rewards Checking account, your American Express^® Debit Card should arrive in the mail within 5-7 business days. You can then visit americanexpress.com/activatedebitcard to activate your Debit Card and select a secure and memorable 4-digit PIN for use at ATMs and at checkout when prompted.

Your Debit Card can be used for purchases online or in-store. In certain instances, your Debit Card may not be recognized as eligible for purchases, services or features that require a debit card. You can inform us of debit recognition issues by contacting our 24/7 support.

You can also add your Debit Card to Apple Pay® and Google Pay™ to make quick and contactless payments right from your mobile device at participating locations. Visit americanexpress.com/rewardscheckingguide for more information.

With American Express^® Rewards Checking, you can earn one Membership Rewards^® point for every $2 of eligible Debit Card purchases. Plus, there's no cap on how many points you can earn, and points can be redeemed for deposits into your American Express^® Rewards Checking account. 

If you already have a Membership Rewards^®- enrolled Card, in most cases, your American Express^® Rewards Checking account should automatically be linked to your existing Membership Rewards^® Program Account. All points earned from your linked Card(s) and your Debit Card will accumulate together into a single Rewards Account, which can then be redeemed for deposits or for other eligible redemption options. If your American Express^® Rewards Checking account is not linked to a Membership Rewards^®- enrolled Card, points earned from your eligible American Express^® Debit Card purchases can only be redeemed for limited options. If your American Express^® Rewards Checking account was not automatically linked to your existing Membership Rewards^® Program Account, please call us at 1-877-221-2639. You may also chat with us at americanexpress.com or in the Amex^® App. You can review the Membership Rewards^® Program Terms and Conditions at membershiprewards.com/terms.

Please note there are some limitations on Membership Rewards^® points on joint accounts. Please visit americanexpress.com/rewardscheckingjointaccountfaqs to learn more

Visit go.amex/atmlocator to find a full list of ATM locations near you. 

Yes, you may use your Debit Card at ATMs, including unlimited fee-free ATM withdrawals with your Debit Card at over 70,000 Allpoint^® and MoneyPass^® ATM locations nationwide.

Visit americanexpress.com/rewardscheckingfeefreeatm to find a full list of fee-free Allpoint^® and MoneyPass^® ATMs near you. 

Please know that third parties may impose fees for services and transactions on ATMs that are not on the Allpoint^® or MoneyPass^® network. ATM withdrawal limits also apply. See the Fees section in the Rewards Checking Account Schedule at go.amex/checkingschedule for details.

At this time, you cannot deposit cash into your Rewards Checking account at ATMs.

Transaction limits differs by transaction type. Please see the Transaction and Limitations section in the Rewards Checking Account Schedule at go.amex/checkingschedule for details.

Purchase Protection ^§ is an embedded benefit of your American Express^® Debit Card. The benefit requires no enrollment and is provided at no additional charge. It can help protect Covered Purchases made on your Eligible Card against accidental damage or theft, for up to 90 days from the Covered Purchase date. Coverage Limits Apply. Please read important exclusions and restrictions to see if your item is eligible for coverage.

^§Purchase Protection is underwritten by AMEX Assurance Company, Phoenix, AZ. Subject to additional terms, conditions, and exclusions. For Terms and Conditions, see americanexpress.com/PPterms. If you have questions, please call us at 1-800-228-6855. If international, you can call us collect at 1-303-273-6497.

You can use your account confidently with the backing of 24/7 Fraud monitoring. With Zero Liability^† Fraud Protection, we protect you against unauthorized charges against your Debit Card that are reported promptly. Learn how we secure your payments at the American Express Security Center website at https://americanexpress.com/us/security-center.

To report an error or unauthorized transaction against your account, please contact us by calling 1-877-221-2639. You can also chat with us at americanexpress.com or in the Amex^® App. 

^†Zero Liability Fraud Protection does not include charges made by users who you allow to use your Debit Card. You are responsible for notifying American Express promptly upon learning of an unauthorized transaction against your accounts or the loss or theft of your Debit Card or Debit Card number. Limitations apply. See the Consumer Deposit Account Agreement and Rewards Checking Schedule at americanexpress.com/rewardscheckingterms. Learn how we secure your payments at americanexpress.com/us/security-center.

Contact us immediately at 1-877-221-2639 upon learning of an unauthorized transaction against your account or the loss or theft of your Debit Card or Debit Card number. You can also contact our 24/7 live customer support via chat by logging in to your account online or in the Amex^® App.

If you’d like to place a temporary freeze on your Debit Card, you can do so by logging in to your account in the Amex^® App. Purchases authorized prior to freezing your Debit Card, recurring purchases, credits, and refunds will still be allowed to continue. 

Your Debit Card PIN may be temporarily locked or unavailable due to card security, fraud control, or other reasons. For example, we may lock your PIN if there are too many consecutive invalid PIN entries. If you require immediate use of your Debit Card PIN or have forgotten your Debit Card PIN, please log into your account online or in the Amex App^® to chat with us or give us a call at 1-877-221-2639.

Once your application is approved, you can start managing your American Express^® Rewards Checking account, Debit Card and Credit Cards all in one place 24/7. Just log into your account online at americanexpress.com/rewardscheckingdashboard or in the Amex^® App. You can view your account balance and recent transactions, track and redeem Membership Rewards^®  points, manage account settings, and more.

You can update your profile by logging in to your Rewards Checking account online and going to the “account services” tab. You can also contact our 24/7 live customer support via chat by logging in to your account online or in the Amex^® App. Additionally, you can give us a call at 1-877-221-2639.

To add a joint owner, you can send them an invitation to apply by visiting https://global.americanexpress.com/banking/account-management/joint-owner. The invitation can be sent at any time after the account is opened. If the joint applicant is approved, they will be added to the account as a co-owner. Please visit americanexpress.com/rewardscheckingjointaccountfaqs for more information on joint accounts.

You can view your transaction history and statements by logging in to your account in the Amex^® App or online. Your previous three years of statements can be viewed electronically under the "Documents" tab online or the last five months of statement history under "Statements and Activity" in the Amex^® App. If you would like to download your statements as a PDF, please click the download icon.

To close your account, please give us a call at 1-877-221-2639. You can also reach us at PO Box 31492, Salt Lake City, UT 84131.

If you close your American Express^® Rewards Checking account and do not have another American Express Membership Rewards^®- enrolled Card, the points you have not redeemed will be forfeited immediately. To learn more about what happens to points upon closing, please review the "Lose Points" section of the Membership Rewards^® Program Terms & Conditions at membershiprewards.com/terms.

If your linked American Express^® Card account is closed, you’ll still have access to your American Express^® Rewards Checking account online or in the Amex^® App, though some functionality may be limited, including available Membership Rewards^® points redemption options. For example, if you only have an American Express^® Rewards Checking account, points earned from your American Express^® Rewards Checking account and Debit Card can only be redeemed for limited options. 

We’re always here for you, 24/7. You can chat with us at americanexpress.com or in the Amex^®  App. You can also call us any time at 1-877-221-2639 or write to us at PO Box 31492, Salt Lake City, UT 84131.