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AMERICAN EXPRESS® BUSINESS CHECKING

Meet the business checking account built for businesses like yours.

Earn Membership Rewards® points and a competitive annual interest rate, say goodbye to monthly maintenance fees, and simplify your business banking with online business checking from American Express.
Business Checking Logo

AMERICAN EXPRESS® BUSINESS CHECKING

Meet the business checking account built for businesses like yours.

Earn Membership Rewards® points and a competitive annual interest rate, say goodbye to monthly maintenance fees, and simplify your business banking with online business checking from American Express.
Business Checking Logo

AMERICAN EXPRESS® BUSINESS CHECKING

Meet the business checking account built for businesses like yours.

Earn Membership Rewards® points and a competitive annual interest rate, say goodbye to monthly maintenance fees, and simplify your business banking with online business checking from American Express.
Business Checking Logo

AMERICAN EXPRESS® BUSINESS CHECKING

Meet the business checking account built for businesses like yours.

Earn Membership Rewards® points and a competitive annual interest rate, say goodbye to monthly maintenance fees, and simplify your business banking with online business checking from American Express.
Business Checking Logo

AMERICAN EXPRESS® BUSINESS CHECKING

Meet the business checking account built for businesses like yours.

Earn Membership Rewards® points and a competitive annual interest rate, say goodbye to monthly maintenance fees, and simplify your business banking with online business checking from American Express.
Business Checking Logo

AMERICAN EXPRESS® BUSINESS CHECKING

Meet the business checking account built for businesses like yours.

Earn Membership Rewards® points and a competitive annual interest rate, say goodbye to monthly maintenance fees, and simplify your business banking with online business checking from American Express.
Business Checking Logo

AMERICAN EXPRESS® BUSINESS CHECKING

Meet the business checking account built for businesses like yours.

Earn Membership Rewards® points and a competitive annual interest rate, say goodbye to monthly maintenance fees, and simplify your business banking with online business checking from American Express.
Business Checking Logo

AMERICAN EXPRESS® BUSINESS CHECKING

Meet the business checking account built for businesses like yours.

Earn Membership Rewards® points and a competitive annual interest rate, say goodbye to monthly maintenance fees, and simplify your business banking with online business checking from American Express.
Business Checking Logo

AMERICAN EXPRESS® BUSINESS CHECKING

Meet the business checking account built for businesses like yours.

Earn Membership Rewards® points and a competitive annual interest rate, say goodbye to monthly maintenance fees, and simplify your business banking with online business checking from American Express.

Business Checking Key Rewards & Benefits

Earn 30,000 Membership Rewards ® points

after qualifying activities. See details below.

Earn % APY on balances up to $500k

No monthly maintenance fees¤

24/7 support from specialists

Business Checking Key Rewards & Benefits

Earn 30,000 Membership Rewards ® points

after qualifying activities. See details below.

Earn % APY on balances up to $500k

No monthly maintenance fees¤

24/7 support from specialists

Business Checking Key Rewards & Benefits

Business Checking Rewards

WELCOME BONUS

Earn 30,000 Membership Rewards® points after you:

  • Achieve an account balance of $5,000 or more from eligible deposits within 30 days of opening your first account, AND
  • Maintain an average account balance of $5,000 for the next 60 days, AND
  • Make 5 or more qualifying transactions 
    within 60 days of opening your account.
Phone with Business Checking balances

Reinvest in your business by converting Membership Rewards® points into deposits directly into your American Express® Business Checking account:


If you’re new to the Membership Rewards® program: Points you earn, including the welcome bonus and from making Business Debit Card purchases, can be converted into deposits made directly into your Business Checking account.

If you already have a Membership Rewards-enrolled Card: You can choose to convert points into deposits directly into your Business Checking account or use them the same way you always have – for travel, gift cards, and more.

Phone with Business Checking balances

Reinvest in your business by converting Membership Rewards® points into deposits directly into your American Express® Business Checking account:


If you’re new to the Membership Rewards® program: Points you earn, including the welcome bonus and from making Business Debit Card purchases, can be converted into deposits made directly into your Business Checking account.

If you already have a Membership Rewards-enrolled Card: You can choose to convert points into deposits directly into your Business Checking account or use them the same way you always have – for travel, gift cards, and more.

Phone with Business Checking balances

Reinvest in your business by converting Membership Rewards® points into deposits directly into your American Express® Business Checking account:


If you’re new to the Membership Rewards® program: Points you earn, including the welcome bonus and from making Business Debit Card purchases, can be converted into deposits made directly into your Business Checking account.

If you already have a Membership Rewards-enrolled Card: You can choose to convert points into deposits directly into your Business Checking account or use them the same way you always have – for travel, gift cards, and more.

Business Checking Rewards

WELCOME BONUS

Earn 30,000 Membership Rewards® points after you:

  • Achieve an account balance of $5,000 or more from eligible 

    deposits within 30 days of opening your first account, AND

  • Maintain an average account balance of $5,000 for the next 60 days, AND

  • Make 5 or more qualifying transactions 

    within 60 days of opening your account.

Business Checking Rewards

WELCOME BONUS

Earn 30,000 Membership Rewards® points after you:

  • Achieve an account balance of $5,000 or more from eligible 

    deposits within 30 days of opening your first account, AND

  • Maintain an average account balance of $5,000 for the next 60 days, AND

  • Make 5 or more qualifying transactions 

    within 60 days of opening your account.

Business Checking Rewards

WELCOME BONUS

Earn 30,000 Membership Rewards® points after you:

  • Achieve an account balance of $5,000 or more from eligible deposits within 30 days of opening your first account, AND
  • Maintain an average account balance of $5,000 for the next 60 days, AND
  • Make 5 or more qualifying transactions 
    within 60 days of opening your account.
Phone with Business Checking balances

Reinvest in your business by converting Membership Rewards® points into deposits directly into your American Express® Business Checking account:


If you’re new to the Membership Rewards® program: Points you earn, including the welcome bonus and from making Business Debit Card purchases, can be converted into deposits made directly into your Business Checking account.

If you already have a Membership Rewards-enrolled Card: You can choose to convert points into deposits directly into your Business Checking account or use them the same way you always have – for travel, gift cards, and more.

Phone with Business Checking balances

Reinvest in your business by converting Membership Rewards® points into deposits directly into your American Express® Business Checking account:


If you’re new to the Membership Rewards® program: Points you earn, including the welcome bonus and from making Business Debit Card purchases, can be converted into deposits made directly into your Business Checking account.

If you already have a Membership Rewards-enrolled Card: You can choose to convert points into deposits directly into your Business Checking account or use them the same way you always have – for travel, gift cards, and more.

Phone with Business Checking balances

Reinvest in your business by converting Membership Rewards® points into deposits directly into your American Express® Business Checking account:


If you’re new to the Membership Rewards® program: Points you earn, including the welcome bonus and from making Business Debit Card purchases, can be converted into deposits made directly into your Business Checking account.

If you already have a Membership Rewards-enrolled Card: You can choose to convert points into deposits directly into your Business Checking account or use them the same way you always have – for travel, gift cards, and more.

Business Checking Rewards

WELCOME BONUS

Earn 30,000 Membership Rewards® points after you:

  • Achieve an account balance of $5,000 or more from eligible 

    deposits within 30 days of opening your first account, AND

  • Maintain an average account balance of $5,000 for the next 60 days, AND

  • Make 5 or more qualifying transactions 

    within 60 days of opening your account.

Business Checking Rewards

WELCOME BONUS

Earn 30,000 Membership Rewards® points after you:

  • Achieve an account balance of $5,000 or more from eligible 

    deposits within 30 days of opening your first account, AND

  • Maintain an average account balance of $5,000 for the next 60 days, AND

  • Make 5 or more qualifying transactions 

    within 60 days of opening your account.

Phone with Business Checking balances

Reinvest in your business by converting Membership Rewards® points into deposits directly into your American Express® Business Checking account:


If you’re new to the Membership Rewards® program: Points you earn, including the welcome bonus and from making Business Debit Card purchases, can be converted into deposits made directly into your Business Checking account.

If you already have a Membership Rewards-enrolled Card: You can choose to convert points into deposits directly into your Business Checking account or use them the same way you always have – for travel, gift cards, and more.

Phone with Business Checking balances

Reinvest in your business by converting Membership Rewards® points into deposits directly into your American Express® Business Checking account:


If you’re new to the Membership Rewards® program: Points you earn, including the welcome bonus and from making Business Debit Card purchases, can be converted into deposits made directly into your Business Checking account.

If you already have a Membership Rewards-enrolled Card: You can choose to convert points into deposits directly into your Business Checking account or use them the same way you always have – for travel, gift cards, and more.

Phone with Business Checking balances

Reinvest in your business by converting Membership Rewards® points into deposits directly into your American Express® Business Checking account:


If you’re new to the Membership Rewards® program: Points you earn, including the welcome bonus and from making Business Debit Card purchases, can be converted into deposits made directly into your Business Checking account.

If you already have a Membership Rewards-enrolled Card: You can choose to convert points into deposits directly into your Business Checking account or use them the same way you always have – for travel, gift cards, and more.

Phone with Business Checking balances

Reinvest in your business by converting Membership Rewards® points into deposits directly into your American Express® Business Checking account:


If you’re new to the Membership Rewards® program: Points you earn, including the welcome bonus and from making Business Debit Card purchases, can be converted into deposits made directly into your Business Checking account.

If you already have a Membership Rewards-enrolled Card: You can choose to convert points into deposits directly into your Business Checking account or use them the same way you always have – for travel, gift cards, and more.

Phone with Business Checking balances

Reinvest in your business by converting Membership Rewards® points into deposits directly into your American Express® Business Checking account:


If you’re new to the Membership Rewards® program: Points you earn, including the welcome bonus and from making Business Debit Card purchases, can be converted into deposits made directly into your Business Checking account.

If you already have a Membership Rewards-enrolled Card: You can choose to convert points into deposits directly into your Business Checking account or use them the same way you always have – for travel, gift cards, and more.

Phone with Business Checking balances

Reinvest in your business by converting Membership Rewards® points into deposits directly into your American Express® Business Checking account:


If you’re new to the Membership Rewards® program: Points you earn, including the welcome bonus and from making Business Debit Card purchases, can be converted into deposits made directly into your Business Checking account.

If you already have a Membership Rewards-enrolled Card: You can choose to convert points into deposits directly into your Business Checking account or use them the same way you always have – for travel, gift cards, and more.

How much can you earn over a year with an APY of % on balances up to $500k?

$3,923
$100k
$300k
$500k
Account balance
Calculator is for illustration only, rounded to the nearest dollar, and assumes that you earn % APY (capped at $500,000) and maintain your account balance selected above for an entire year. APY is subject to change at any time without notice.

Business Checking APY

Start earning % APY on balances up to $500k. Small business owners deserve more from their banks – so we're giving it to you!

How much can you earn over a year with an APY of % on balances up to $500k?

$3,923
$100k
$300k
$500k
Account balance
Calculator is for illustration only, rounded to the nearest dollar, and assumes that you earn % APY (capped at $500,000) and maintain your account balance selected above for an entire year. APY is subject to change at any time without notice.

Business Checking APY

Start earning % APY on balances up to $500k. Small business owners deserve more from their banks – so we're giving it to you!

How much can you earn over a year with an APY of % on balances up to $500k?

$3,923
$100k
$300k
$500k
Account balance
Calculator is for illustration only, rounded to the nearest dollar, and assumes that you earn % APY (capped at $500,000) and maintain your account balance selected above for an entire year. APY is subject to change at any time without notice.

Business Checking APY

Start earning % APY on balances up to $500k. Small business owners deserve more from their banks – so we're giving it to you!

How much can you earn over a year with an APY of % on balances up to $500k?

$3,923
$100k
$300k
$500k
Account balance
Calculator is for illustration only, rounded to the nearest dollar, and assumes that you earn % APY (capped at $500,000) and maintain your account balance selected above for an entire year. APY is subject to change at any time without notice.

Business Checking APY

Start earning % APY on balances up to $500k. Small business owners deserve more from their banks – so we're giving it to you!

How much can you earn over a year with an APY of % on balances up to $500k?

$3,923
$100k
$300k
$500k
Account balance
Calculator is for illustration only, rounded to the nearest dollar, and assumes that you earn % APY (capped at $500,000) and maintain your account balance selected above for an entire year. APY is subject to change at any time without notice.

Business Checking APY

Start earning % APY on balances up to $500k. Small business owners deserve more from their banks – so we're giving it to you!

How much can you earn over a year with an APY of % on balances up to $500k?

$3,923
$100k
$300k
$500k
Account balance
Calculator is for illustration only, rounded to the nearest dollar, and assumes that you earn % APY (capped at $500,000) and maintain your account balance selected above for an entire year. APY is subject to change at any time without notice.

Business Checking APY

Start earning % APY on balances up to $500k. Small business owners deserve more from their banks – so we're giving it to you!

Business Checking Fees

Transparent pricing—because nobody likes feeling nickeled and dimed.

Here's a handy rates and fees table so you know exactly what to expect.

  • Domestic ACH:  No fee
  • Domestic Same Day ACH (Outgoing):  $10
  • Domestic Wire (Incoming):  No fee
  • Domestic Wire (Outgoing):  No fee
  • International ACH (Incoming):  No fee
  • Domestic ACH:  No fee
  • Domestic Same Day ACH (Outgoing):  $10
  • Domestic Wire (Incoming):  No fee
  • Domestic Wire (Outgoing):  No fee
  • International ACH (Incoming):  No fee
  • Domestic ACH:  No fee
  • Domestic Same Day ACH (Outgoing):  $10
  • Domestic Wire (Incoming):  No fee
  • Domestic Wire (Outgoing):  No fee
  • International ACH (Incoming):  No fee
  • Domestic ACH:  No fee
  • Domestic Same Day ACH (Outgoing):  $10
  • Domestic Wire (Incoming):  No fee
  • Domestic Wire (Outgoing):  No fee
  • International ACH (Incoming):  No fee
  • Domestic ACH:  No fee
  • Domestic Same Day ACH (Outgoing):  $10
  • Domestic Wire (Incoming):  No fee
  • Domestic Wire (Outgoing):  No fee
  • International ACH (Incoming):  No fee
  • Domestic ACH:  No fee
  • Domestic Same Day ACH (Outgoing):  $10
  • Domestic Wire (Incoming):  No fee
  • Domestic Wire (Outgoing):  No fee
  • International ACH (Incoming):  No fee

Business Checking Fees

Transparent pricing—because nobody likes feeling nickeled and dimed.

Here's a handy rates and fees table so you know exactly what to expect.

  • Domestic ACH:  No fee
  • Domestic Same Day ACH (Outgoing):  $10
  • Domestic Wire (Incoming):  No fee
  • Domestic Wire (Outgoing):  No fee
  • International ACH (Incoming):  No fee
  • Domestic ACH:  No fee
  • Domestic Same Day ACH (Outgoing):  $10
  • Domestic Wire (Incoming):  No fee
  • Domestic Wire (Outgoing):  No fee
  • International ACH (Incoming):  No fee
  • Domestic ACH:  No fee
  • Domestic Same Day ACH (Outgoing):  $10
  • Domestic Wire (Incoming):  No fee
  • Domestic Wire (Outgoing):  No fee
  • International ACH (Incoming):  No fee
  • Domestic ACH:  No fee
  • Domestic Same Day ACH (Outgoing):  $10
  • Domestic Wire (Incoming):  No fee
  • Domestic Wire (Outgoing):  No fee
  • International ACH (Incoming):  No fee
  • Domestic ACH:  No fee
  • Domestic Same Day ACH (Outgoing):  $10
  • Domestic Wire (Incoming):  No fee
  • Domestic Wire (Outgoing):  No fee
  • International ACH (Incoming):  No fee
  • Domestic ACH:  No fee
  • Domestic Same Day ACH (Outgoing):  $10
  • Domestic Wire (Incoming):  No fee
  • Domestic Wire (Outgoing):  No fee
  • International ACH (Incoming):  No fee

How it Works

Meet a fully digital account with no branches, tellers, or lines.

American Express® Business Checking is branchless so you can manage your account on your time—but if you need a person, we're a call or click away.

  • Download the app

    Use the American Express Business Blueprint app to view and help you manage your Business Checking account. Available on iOS and Android.

  • Make mobile deposits

    Use the app and snap a pic with your device.

  • Move funds easily

    Make payments and transfers all in a few simple steps online or through the app.

  • Integrate accounting software

    Connect your account to QuickBooks® accounting software to help save time and keep your financials up to date.

  • Get support

    If you need them, American Express specialists are a click or call away. 24/7.

How it Works

Meet a fully digital account with no branches, tellers, or lines.

American Express® Business Checking is branchless so you can manage your account on your time—but if you need a person, we're a call or click away.

How it Works

Meet a fully digital account with no branches, tellers, or lines.

American Express® Business Checking is branchless so you can manage your account on your time—but if you need a person, we're a call or click away.

  • Download the app

    Use the American Express Business Blueprint app to view and help you manage your Business Checking account. Available on iOS and Android.

  • Make mobile deposits

    Use the app and snap a pic with your device.

  • Move funds easily

    Make payments and transfers all in a few simple steps online or through the app.

  • Integrate accounting software

    Connect your account to QuickBooks® accounting software to help save time and keep your financials up to date.

  • Get support

    If you need them, American Express specialists are a click or call away. 24/7.

How it Works

Meet a fully digital account with no branches, tellers, or lines.

American Express® Business Checking is branchless so you can manage your account on your time—but if you need a person, we're a call or click away.

  • Download the app

    Use the American Express Business Blueprint app to view and help you manage your Business Checking account. Available on iOS and Android.

  • Make mobile deposits

    Use the app and snap a pic with your device.

  • Move funds easily

    Make payments and transfers all in a few simple steps online or through the app.

  • Integrate accounting software

    Connect your account to QuickBooks® accounting software to help save time and keep your financials up to date.

  • Get support

    If you need them, American Express specialists are a click or call away. 24/7.

How it Works

Meet a fully digital account with no branches, tellers, or lines.

American Express® Business Checking is branchless so you can manage your account on your time—but if you need a person, we're a call or click away.

How it Works

Meet a fully digital account with no branches, tellers, or lines.

American Express® Business Checking is branchless so you can manage your account on your time—but if you need a person, we're a call or click away.

  • Download the app

    Use the American Express Business Blueprint app to view and help you manage your Business Checking account. Available on iOS and Android.

  • Make mobile deposits

    Use the app and snap a pic with your device.

  • Move funds easily

    Make payments and transfers all in a few simple steps online or through the app.

  • Integrate accounting software

    Connect your account to QuickBooks® accounting software to help save time and keep your financials up to date.

  • Get support

    If you need them, American Express specialists are a click or call away. 24/7.

Everyday business purchases made more rewarding

American Express Business Debit Card

All Business Checking accounts come with an American Express® Business Debit Card.


  • Earn 1 Membership Rewards® point for every $2 spent on eligible Business Debit Card purchases.

  • Contactless, chip-enabled technology enhances the safety and security of your Business Debit Card.

  • Enjoy fee-free ATM withdrawals at 37,000 MoneyPass® ATM locations nationwide.

  • Add your American Express® Business Debit Card to your digital wallet to make fast and convenient payments in-store and at participating online retailers.

Everyday business purchases made more rewarding

American Express Business Debit Card

All Business Checking accounts come with an American Express® Business Debit Card.


  • Earn 1 Membership Rewards® point for every $2 spent on eligible Business Debit Card purchases.

  • Contactless, chip-enabled technology enhances the safety and security of your Business Debit Card.

  • Enjoy fee-free ATM withdrawals at 37,000 MoneyPass® ATM locations nationwide.

  • Add your American Express® Business Debit Card to your digital wallet to make fast and convenient payments in-store and at participating online retailers.

Everyday business purchases made more rewarding

American Express Business Debit Card

All Business Checking accounts come with an American Express® Business Debit Card.


  • Earn 1 Membership Rewards® point for every $2 spent on eligible Business Debit Card purchases.

  • Contactless, chip-enabled technology enhances the safety and security of your Business Debit Card.

  • Enjoy fee-free ATM withdrawals at 37,000 MoneyPass® ATM locations nationwide.

  • Add your American Express® Business Debit Card to your digital wallet to make fast and convenient payments in-store and at participating online retailers.

Frequently Asked Questions

Member FDIC


Accounts offered by American Express National Bank. Member FDIC. Funds deposited within American Express National Bank deposit accounts are insured by the Federal Deposit Insurance Corporation (FDIC) up to at least $250,000 per depositor. Coverage amounts vary based on factors such as account ownership, beneficiaries, and number of accounts with the same institution. For additional information, you may visit the FDIC website at www.fdic.gov.

If you’d like Payment Solutions

Discover new ways to control employee spending, streamline vendor payments, and automate Accounts Payable to put more time back on your side.

If you’d like American Express® Business Cards

Get the Cards with rewards, benefits, and offers built to back hard-working business owners.

If you’d like Payment Solutions

Discover new ways to control employee spending, streamline vendor payments, and automate Accounts Payable to put more time back on your side.

If you’d like American Express® Business Cards

Get the Cards with rewards, benefits, and offers built to back hard-working business owners.

If you’d like Payment Solutions

Discover new ways to control employee spending, streamline vendor payments, and automate Accounts Payable to put more time back on your side.

If you’d like American Express® Business Cards

Get the Cards with rewards, benefits, and offers built to back hard-working business owners.