3 Min Read | Published: December 12, 2023 | Updated: March 15, 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 and American Express® Payment Accept.
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.
American Express does not store external login credentials. Read more about privacy here.
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
Linking helps Payment Accept customers establish a business bank account as their deposit location to receive funds. You can always change your deposit location by switching to an existing linked account or by adding a new one.
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.
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.
- Sign into your bank and see if there are any alerts or notifications that might be blocking a smooth data connection.
We hope these steps help! If you're still facing issues, don't hesitate to get in touch.
STILL NEED HELP?
Reach out to us for further guidance.
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TERMS AND CONDITIONS
American Express® Business Line of Credit, and American Express® Payment Accept are trademarks of American Express.
With American Express Business Blueprint™, customers can view their select business products that automatically appear on their dashboard at login. These products include American Express® Business Line of Credit, American Express® Business Checking, American Express® Payment Accept, and American Express® Business Credit Cards. Customers may also view the eligible external business bank and card accounts they choose to link to Business Blueprint.
Data insights provided through American Express Business Blueprint™ are based on customers' select business products, which include American Express® Business Line of Credit, American Express® Business Checking, American Express® Payment Accept, American Express® Business Credit Cards, and the eligible external business bank and card accounts that customers choose to link to Business Blueprint.
The data insights provided through American Express Business Blueprint™ do not constitute legal, tax, financial or accounting advice, and should not be considered 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.
The American Express Business Blueprint™ dashboard uses API connections to access, and then aggregate and analyze, data from the eligible external business bank and card accounts that customers choose to link. Customers can disable linked external accounts from Business Blueprint at any time. Some data may be delayed due to extenuating circumstances, such as the business account's connection to American Express Business Blueprint™ or issues with other API connections.
Terms, conditions, features, availability, pricing, fees, service and support options subject to change. American Express® Business Line of Credit loans are issued by American Express National Bank.
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/.
American Express® Business Checking is offered by American Express National Bank. Member FDIC.
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
Kabbage Payments, LLC is a registered Payment Source Provider/Payment Facilitator sponsored by Fifth Third Bank, N.A., Cincinnati, OH.