Meet the business checking account built for businesses like yours.
Meet the business checking account built for businesses like yours.
Meet the business checking account built for businesses like yours.
Meet the business checking account built for businesses like yours.
Meet the business checking account built for businesses like yours.
Meet the business checking account built for businesses like yours.
Meet the business checking account built for businesses like yours.
Meet the business checking account built for businesses like yours.
Meet the business checking account built for businesses like yours.
Meet the business checking account built for businesses like yours.
Meet the business checking account built for businesses like yours.
Meet the business checking account built for businesses like yours.
Meet the business checking account built for businesses like yours.
Meet the business checking account built for businesses like yours.
Meet the business checking account built for businesses like yours.
Meet the business checking account built for businesses like yours.
Key Rewards & Benefits of Business Checking Account
Earn 50,000 Membership Rewards® points 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
LIMITED TIME OFFER
Earn 50,000
Membership Rewards® points after you
- Deposit a total of $5,000 or more in eligible depositswithin 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.
AND - Maintain an average account balance of $5,000 for the next 60 days,
AND - Make 5 or more qualifying transactionswithin 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:WAYS TO EARN:
WAYS TO REDEEM:
How much can you earn over a year with an APY of % on balances up to $500k?
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?
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?
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
How it Works
Meet a fully digital account with no branches, tellers, or lines.
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.
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.
How it Works
Meet a fully digital account with no branches, tellers, or lines.
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.
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.
Everyday business purchases made more rewarding
All Business Checking accounts come with an American Express® Business Debit Card.
- Earn 1 Membership Rewards® point for every $2 you spend on an eligible Business Debit Card purchase.
- 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
All Business Checking accounts come with an American Express® Business Debit Card.
- Earn 1 Membership Rewards® point for every $2 you spend on an eligible Business Debit Card purchase.
- 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
All Business Checking accounts come with an American Express® Business Debit Card.
- Earn 1 Membership Rewards® point for every $2 you spend on an eligible Business Debit Card purchase.
- 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.