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3 Min Read | Published: August 2, 2024 | Updated: April 1, 2025
How to connect American Express® Business Checking to your external business tools
Running a small business often means juggling many financial management tools, from accounting software to mobile payment apps. But with Business Checking, it’s easy to streamline daily operations using one Business Checking account.
In this article, get to know three categories of external tools you can seamlessly integrate with your Business Checking account:
- Accounting software (QuickBooks® Online, Xero®, and more)
- Merchant processor & mobile payment applications (Square, Stripe, PayPal, Venmo, Cash App)
- Payroll platforms (Gusto, ADP, Paychex)
To keep your financials up-to-date, consider connecting your Business Checking with QuickBooks® Online or Xero®. You can also connect to accounting software apps available through Plaid® and Yodlee®, such as FreshBooks and Bench.
Connecting your account helps organize and track your business expenses and reduces the need for manual entry of your Business Checking transactions.
How to link:
Streamline financial management by connecting to QuickBooks® Online or Xero®.
*QuickBooks® and the QuickBooks logo are registered trademarks of Intuit, Inc. To use this feature, you are responsible for separately purchasing and maintaining a QuickBooks accounts subscription as required by Intuit, Inc. American Express is not responsible for the products or services offered by Intuit, Inc. For more information about QuickBooks, visit https://quickbooks.intuit.com.
Connecting Business Checking to your external merchant processor is another way to streamline settlement processes. When you use the two together, you could earn a competitive APY on funds deposited into your Business Checking account.
Through Plaid® or Yodlee®, you can connect your Business Checking to over 4,000 financial apps.
How to link:
Square: Link your account from your online Square Dashboard or the Square app to have your money transferred instantly, on the same day, or within one to two business days. Learn more >
Stripe: Add your account through the Business Settings menu in the Stripe Dashboard. Learn more >
PayPal: Enter your bank login details in the PayPal app or online. Learn more >
Venmo: Visit Venmo’s guide for help with adding a bank account to your Venmo profile. Learn more >
Cash App: Tap the Profile icon on your Cash App home screen and select “Linked Banks.” Learn more >
Article: Building an online store
Integrating various payment methods can be beneficial in e-commerce. Consider linking your payment systems to your Business Checking account to ensure an efficient payout process from your online sales.
You can streamline your employee payments by leveraging payroll software – such as Gusto, ADP, and Paychex – and setting Business Checking as your default bank account to run payroll.
How to link:
Gusto: Manage your company bank account details during or after onboarding. Learn more >
Paychex: To add, edit, or remove bank accounts, please contact your Paychex representative. Learn more >
STILL NEED HELP?
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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
Terms and Conditions for an American Express® Business Line of Credit apply. Visit https://www.americanexpress.com/en-us/business/blueprint/terms-and-conditions/business-line-of-credit/ for more information.
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
American Express and Amex are registered trademarks of American Express.