Learn the different ways to fund your Business Checking account.

After logging into your account on the American Express website, select your Business Checking account from your Business Blueprint Dashboard and click on “View account details.”

Yes, your Business Checking account is FDIC insured.

Accounts offered by American Express National Bank, Member FDIC.

There is no monthly maintenance fee or minimum balance requirement.

No, the Annual Percentage Yield (“APY“) is variable. Interest rate and APY are subject to change at any time without notice before and after an American Express® Business Checking account is opened.

Yes. You can make a mobile check deposit to your American Express® Business Checking account in our mobile app, which will allow you to take pictures of eligible checks that are payable to your business or to American Express National Bank. Those pictures will then be sent to us electronically for deposit into your Business Checking account, according to the terms and conditions of your Business Checking Account Agreement.

1. Checks that are more than 6 months old
2. Checks with any known or suspected alteration or which you (including any authorized person) know or suspect, or have reason to know or suspect, are unauthorized, fraudulent, or uncollectible
3. Unendorsed or improperly endorsed checks
4. International checks
5. U.S. Savings bonds
6. Money orders
7. MoneyGram
8. Travelers checks
9. Counter or starter checks (without the bank routing number, account number and check serial number encoded at the bottom)
10. Checks that have already been deposited or submitted for deposit (whether to your account with us or to another account of yours with another financial institution) by any means (including without limitation the U.S. mail or remote check deposit)
11. Checks that have already been converted to an image or copy or
12. Remotely created checks (checks that are not created by the paying bank and that do not include the signature of the drawer (maker) on whose account the check is drawn).

You must fund your Business Checking account within 120 days of opening, or the account will be closed.

If your check amount exceeds your deposit limits, you can mail us the check(s). Mail the check(s) to us at: American Express National Bank, PO Box 30381, Salt Lake City, UT 84130-9997.

Deposit limits vary. To find out how much you can deposit, log into your account here: https://www.americanexpress.com/en-us/banking/business/checking/payments/manage/create-payee/compare.