Meet the business checking account built for businesses like yours.
Earn Membership Rewards® points, enjoy no monthly fees, and get the powerful backing of American Express with 24/7 support from our specialists. Apply below for this Welcome Offer by 11:59:59 PM EST on 1/31/2026.
This Welcome Offer is only available to select businesses who were solicited directly by American Express and who must apply with their existing credentials through the link provided. Offer cannot be forwarded, transferred, or used more than once. Terms apply.
Key Rewards & Benefits of a Business Checking Account
Earn $300 after qualifying activities.‡ See details below.
No monthly maintenance fees¤
24/7 support - specialists are a click or call away
Earn 1.30% APY‡ on balances up to $500k
EXCLUSIVE WELCOME OFFER
Earn $300
after you complete the following:
- Deposit a total of $5,000 or more in eligible deposits* within 30 days of opening your first account,
*Eligible deposits are any deposits except deposits using our Redeem for Deposits feature, deposits from interest payments, and deposits from any other American Express Business Checking accounts.
- Maintain an average account balance of $5,000 for the next 60 days,
- Make 5 or more qualifying transactions* within 60 days of opening your account.‡
*Qualifying transactions are mobile deposits, check deposits by mail, and electronic/online transactions including ACH, Wire, and Bill Payments. Business Debit Card transactions and deposits using our Redeem for Deposits feature are not qualifying transactions.
This is banking that rewards you.
The Membership Rewards® program allows you to earn and redeem Membership Rewards points. With an American Express® Business Checking account, you can:
EARN
Earn 1 Membership Rewards® point for every $2 you spend on eligible Business Debit Card purchases.‡
REDEEM
Turn Membership Rewards points into deposits directly into an American Express® Business Checking account.‡
Transfer points to select participating travel partner programs.‡
If you already have a Membership Rewards enrolled Card, you can choose to convert points into deposits made directly into your Business Checking account or use them the same way you always have - for travel, gift cards, and more.
Frequently Asked Questions
You can apply for an American Express® Business Checking account online in as little as 10 minutes. You’ll need to answer a few basic questions about your business including your industry, revenue, and how you plan to use your online Business Checking account, and you will need to provide an Employee Identification Number (EIN) or Taxpayer Identification Number (TIN) and documentation to prove you are a registered business. If you’re approved for an account, you’ll be able to link an existing bank account, deposit funds, and begin making transactions.
In order to open American Express® Business Checking, you will need:
- Your Employee Identification Number (EIN) or Taxpayer Identification Number (TIN)
- Your Articles of Organization or a Certificate of Formation
- Information from a Driver’s License, State I.D., or Passport for each owner
- A Social Security Number (SSN) and ID verification for any Beneficial Owner with ownership of 25% or more
- A “Doing Business As” (DBA) certificate only if your business operates under more than one name
- A U.S. business address
- Information about your industry, size, and the purpose of your account
There is no cost to open an American Express® Business Checking account, and there are no monthly minimum balance requirements or maintenance fees. You can find a full list of applicable rates and fees here.
No, the Annual Percentage Yield (“APY“) is variable. Interest rate and APY are subject to change at any time without notice before and after an American Express® Business Checking account is opened.
American Express® Business Checking offers benefits for businesses such as:
- 1.30% APY on balances up to $500k. APY subject to change.
- No monthly account maintenance fees.
- No minimum balance requirement.
- Simple online account management with no branches, tellers, or lines.
- Personalized customer service with real, live people.
- Use your Business Debit card for purchases, ATM cash withdrawals and balance inquiries.
With American Express® Business Checking, you can earn 1 Membership Rewards® point for every $2 of eligible Business Debit Card purchases. Plus, there's no cap on how many points you can earn, and points can be converted into deposits made directly into your Business Checking account. If you already have a Membership Rewards-enrolled Card, in most cases your Business Checking account will automatically be linked to your existing Membership Rewards Program Account. All points earned from your linked Card(s) and your Business Debit Card will accumulate together in a single Rewards Account, which can be converted into deposits or for any other eligible redemption options, including gift cards or travel. If your Business Checking account is not linked to a Card Rewards Account, points earned from your Business Checking account and Business Debit Card can be converted into deposits. Learn what other redemption options may also be available. If your Business Checking account was not automatically linked to your Card Rewards Account, please call the number on the back of your Business Debit Card for assistance. Review the Membership Rewards® Program Terms and Conditions.
‘Redeem for Deposits’ allows you to convert Membership Rewards points into deposits made directly into your American Express® Business Checking account. When you use ‘Redeem for Deposits’, American Express will deduct the number of points selected from your Membership Rewards Account and deposit a corresponding dollar amount into your eligible Business Checking account. Generally, deposits will post within 48 hours of each redemption.
If you have a Business Platinum Card® and an American Express Business Checking Account linked to the same Membership Rewards Account, you can redeem points for a deposit at a rate of 1000 points for $10 for up to 1,000,000 points per calendar year, after which you may continue to redeem points at the standard rate.
Linking your existing Membership Rewards Account to your Business Checking account allows you to use Membership Rewards points for Redeem for Deposits. This linkage is typically automatic. If your Business Checking account was not automatically linked to your existing Membership Rewards Program Account, please call the number on the back of your Business Debit Card for assistance.
We are currently accepting applications from eligible U.S. businesses. Not all applicants will be approved for a Business Checking account. Select industries or businesses engaged in certain activities are currently ineligible, such as money service businesses, cryptocurrency, internet gambling businesses, and marijuana related businesses.
With American Express® Business Checking, you can enjoy no fee withdrawals at over 70,000+ Allpoint® and MoneyPass® ATM locations nationwide. Visit americanexpress.com/atm-locator to find participating ATMs in the U.S.
You can also use your American Express Business Checking Debit Card at any ATMs where American Express is accepted, fees may apply.
- Fund your account electronically by linking an external bank account and initiating a wire or ACH or by making a mobile check deposit
- Mail a check(s) to:
American Express National Bank
PO Box 30381
Salt Lake City, UT 84130-99972 - If you have an American Express® Business Line of Credit account, you can disburse those funds into your Business Checking account.
You can seamlessly integrate your Business Checking account with accounting tools or other financial apps. Find out how.
Member FDIC
Deposit accounts offered by American Express National Bank. Member FDIC.