For illustrative purposes only
MAKING PAYMENTS AND TRANSFERS

Business Checking helps make it quick and easy to set up and make payments.

Find and add payees

Search for your vendors in our database or add an individual to start making payments and transfers today.

Tip

If your vendor doesn't appear in our Bill Pay database, you can add them to your Payee list and we'll send them a check with no additional fee.

Create new payee

Make payments easily

Pay vendors, bills, and more, all in a few simple steps online or through the Amex® App.

Tip

Your vendor doesn't accept cards? With Business Checking, you can pay via ACH, wire, Bill Pay or check.

Send a payment

Automate payments

Set up one-time or recurring Bill Pay and ACH payments for now or later, so you can get back to business.

Tip

Do you have vendors you routinely pay? Save time and automate your payments today.

Set up recurring payments

Find the best way to pay

Compare the benefits, requirements, and cost of each payment option.

Bill Pay

Free

Easily pay larger national suppliers, payees, or suppliers from the Bill Pay database. Save time by scheduling one-time or recurring payments for now or later.

Fee $0

Delivery speed*: 1-2 business days (electronic), 5-7 business days (check)

Schedule payments:
Bill Pay can be scheduled one-time, weekly, bi-weekly, or monthly.

Cutoff time: 4:00 PM ET

Requirements

  • Payee name
  • Your customer account number
  • Payee address
  • Payee zipcode

Bill Pay requirements vary depending on whether the payment is sent electronically or by check.

ACH

Free

Make secure electronic transfers from account to account, schedule recurring payments, or pay vendors.

Fee $0

Delivery speed*: 1-2 business days

Schedule payments:
ACH payments can be scheduled one-time, weekly, bi-weekly, or monthly.

Cutoff time: 11:59 PM ET

Requirements

  • Payee name
  • Payee account number
  • Payee ACH routing number

Same Day ACH

$10

Make payments and transfer funds between accounts on the same business day. Avoid late fees, expedite customer refunds, or pay suppliers in a day. Terms and fees apply.

Fee $10

Delivery speed*: Same business day

Schedule payments:

Cutoff time: 2:45 PM ET

Requirements

  • Payee name
  • Payee account number
  • Payee ACH routing number

Wire

$25

Send or receive large payments a faster way with funds sent directly from one bank to another.

Fee $25

Delivery speed*: 1 business day

Schedule payments:

Cutoff time: 4:00 PM ET

Requirements

  • Payee name
  • Payee account number
  • Payee routing number
  • Payee address

Requirements

  • Payee name
  • Your customer account number
  • Payee address
  • Payee zipcode

Bill Pay requirements vary depending on whether the payment is sent electronically or by check.

Requirements

  • Payee name
  • Payee account number
  • Payee ACH routing number

Requirements

  • Payee name
  • Payee account number
  • Payee ACH routing number

Requirements

  • Payee name
  • Payee account number
  • Payee routing number
  • Payee address

*Note: A "business day" means every day except Saturdays, Sundays, and federal holidays.

Yes, you can write checks, too.

Every business needs to put pen to paper every now and then.

To order checks, follow these steps

  • Log in to your Business Checking account.
  • Navigate to the “Manage” tab.
  • Scroll down and select “order checks.”
  • Select account to order checks for and hit continue.
Order your personalized checks today

Note: Third-party cost varies based on items ordered.

MAKING PAYMENTS AND TRANSFERS

Frequently Asked Questions

You can chat with a representative on our Contact Us page or call the Business Checking customer servicing line 24/7 at 1-855-497-1040.

If you need to stop a payment, please notify us as soon as possible. You can make a stop payment request by contacting us at 1-855-497-1040 or by mail to PO Box 30384, Salt Lake City, UT 84130. Stop payment requests made over the phone are valid for 14 days after your call. A written stop payment request is valid for six (6) months. Your stop payment request must include your account number, the exact dollar amount of the check you wish to stop, the exact name of the payee on the check, and the exact date and printed serial number on the check.

Payments may be unsuccessful for several reasons such as suspected fraudulent activity, system errors, insufficient funds, and more. Please contact us at 1-855-497-1040 for more information about your failed or rejected payment.

See all FAQs
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