3 Min Read | Published: December 12, 2023 | Updated: December 20, 2024
A Closer Look: The benefits of linking an external business bank account to American Express Business BlueprintTM
Linking your external business bank accounts to Business Blueprint has many benefits across multiple American Express products and services, including American Express® Business Line of Credit.
The following guide explains how linking your external business bank accounts can help you make the most of your Amex business products.
Business Blueprint offers free personalized cash flow insights, based on your select American Express products and linked external bank and card accounts, that can help you make more informed decisions for your business. You can link your external accounts to Business Blueprint by using the login credentials associated with those accounts.
The more accounts you link to Business Blueprint, the more complete the picture of your cash flow (expenses, account balances, and transactions) – and the more comprehensive your customized charts and graphs become.
Linking your external business bank accounts helps us determine and manage your Business Line of Credit on an ongoing basis. Once linked, your business bank accounts can be used to make repayments and to receive the deposit of loan funds from your Business Line of Credit.
Linking an external business bank account to your Business Checking account enables you to fund your Business Checking account and make transfers and payments. To ensure your Business Checking account stays open, you must make an initial deposit or incoming transfer within 120 days of when your application was approved.
There are three ways you can connect an external business bank account to your Business Checking account:
- By selecting an external bank account on file that’s previously been added to other Amex products
- Manually, by entering the routing and checking number of your external bank account
- By logging into your external bank account to pull that account username and password
Before reaching out to Customer Service, we recommend following these simple troubleshooting tips to resolve common issues
- Avoid using copy-paste or auto-fill for your login details.
- When finding your bank on our Dashboard, click its icon. This action opens a new tab, allowing you to ensure it's the correct login page for your bank.
- Try searching with your bank's routing number.
- If there's a hiccup connecting through our site, make sure you can sign in directly on your bank's official site.
- Not getting verification codes? Double-check your bank has the correct phone number or email for you.
- Log in to your bank and see if there are any alerts or notifications that might beblocking a smooth data connection.
We hope these steps help! If you're still facing issues, don't hesitate to get in touch.
How do I unlink a business bank or card account?
In order to remove a previously linked external account, you will need to contact us directly.
STILL NEED HELP?
Reach out to us for further guidance.
Deposit accounts offered by American Express National Bank. Member FDIC.
TERMS AND CONDITIONS
American Express Business Blueprint™
American Express Business Blueprint™ is the small businesses digital experience that allows a customer to view on one digital dashboard summary account information for the following American Express small business products: American Express® Business Cards, American Express® Business Line of Credit, and American Express® Business Checking. The customer can also choose to link their third-party issued business bank accounts and business credit cards to Business Blueprint. Not all third-party accounts or cards can be connected to Business Blueprint. Business Blueprint allows the customer to view data insights and track their business cash flow and expenses by viewing reports that American Express prepares using the customer’s linked account information. While the cash flow management service from Business Blueprint is currently free, each of the business products from American Express that are visible in Business Blueprint has its own fees, eligibility criteria, application process and approval requirements. The Business Blueprint service (including any data insights provided to the customer) does not constitute legal, tax, financial or accounting advice, and is not a substitute for obtaining competent personalized advice from a licensed professional. You should seek professional advice before making any decision that could affect the financial health of your business. American Express makes no representations as to the accuracy, completeness or timeliness of the reports, data or account information that are available to the customer from Business Blueprint.™
American Express® Business Line of Credit
American Express® Business Line of Credit offers access to a commercial line of credit ranging from $2,000 to $250,000, although some customers may have access to a larger line of credit. Decisions regarding the line of credit amount, loan fees and available installment term options are based on a review of your and your business’s overall financial profile, which may include your credit history, your relationship with American Express and other financial institutions, and other factors. The line of credit amount, loan fees, and installment term options are each subject to review and may change for future loan activity. A review of the line of credit may result in a suspension at any time, accompanied with or without a closure of the line of credit. Not all customers will be eligible for the lowest loan fees or all installment options, and not all industries are eligible. All loans are subject to credit approval, are secured by assets of the borrower, require a personal guarantee, and may be subject to late fees. Loans are issued by American Express National Bank.
Each draw on the line of credit results in a separate installment loan with monthly installments which may include 6, 12, 18, or 24 months, subject to eligibility. When you request a loan, you will be presented with the available installment option(s) and the monthly loan fee for that loan amount. The monthly loan fee is calculated as a percentage of the original principal amount of the loan and is charged monthly during the term of the loan along with a portion of the principal. Currently, the monthly loan fees may range from [0.55% to 1.55%] of the original principal amount, but the loan fee offered to you for future loans may change at any time. You will be charged monthly loan fees only for months in which the loan has an outstanding balance.
If you repay the total principal of a loan early, you will not be required to pay the loan fees that have not posted for subsequent months. American Express may offer promotions and may reduce or waive loan fees from time to time.
American Express® Business Checking
We are currently accepting applications from eligible U.S. businesses. Not all applicants will be approved for a Business Checking account. To learn more about Business Checking, including eligibility, visit https://www.americanexpress.com/en-us/business/checking/.
Membership Rewards® Program
Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.
The value of Membership Rewards® points varies according to how you choose to use them. To learn more, go to www.membershiprewards.com/pointsinfo
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