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USING YOUR BUSINESS DEBIT CARD

Explore all your American Express® Business Debit Card has to offer.

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How to

Start using your Business Debit Card.

If you haven’t already, set up your PIN and activate your Business Debit Card as soon as it arrives in the mail. You’ll need to activate your new Business Debit Card before you can begin using it for purchasing needs and ATM withdrawals.

Keep your PIN secure and file it away for future reference – you’ll need it to use your Business Debit Card going forward.

We’re here for any questions you have on how to activate your card. If you need them, American Express specialists are a chat or call away. 24/7.

Activate your Card

After you successfully set up your PIN and have activated your Business Debit Card, make sure you have the available balance needed for your purchases or ATM withdrawals.

Log in to check available balance and fund your account.

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

Here’s how:

  1. Download your preferred mobile wallet app – Apple Pay® or Google Pay™ from your phone’s app store.
  2. Follow the steps and add your Business Debit Card.
  3. Look for the contactless symbol at checkout and open your phone’s wallet to select your Debit Card. Tap and hold your phone close to the terminal to process your payment.
How to

Get the most out of your Business Debit Card.

TIP: Remember to be mindful of daily limits on purchases ($5,000) and ATM cash withdrawals ($1,000).

Earn 1 Membership Rewards® point for every $2 you spend on an eligible Business Debit Card purchase.

Learn more about how to earn and redeem points

Get cash when you need it at 70,000+ fee-free Allpoint® and MoneyPass® ATM locations nationwide.

You can also use your American Express Business Checking Debit Card at any ATMs where American Express is accepted, fees may apply.

To find an ATM near you, visit americanexpress.com/atm-locator.

You can also access the ATM Locator from the Support tab within your account.

Need to change your PIN? You can do so any time by logging into your account and following these steps:

  1. On your dashboard, scroll down and click on the “View & manage Card details” under Debit Card.
  2. Click on “Change PIN” and follow steps.
  3. You can also access by navigating to “Manage.”
  4. Select “Manage your Business Debit Cards.”
  5. Select the Card for the account you want to change your PIN.
  6. Click on “Change PIN” and follow the steps.

Reminder: We do not keep any record of your PIN.

Easily freeze your Business Debit Card to block new purchases and ATM transactions while still allowing recurring transactions, credits, and refunds to continue. Your Card will stay frozen until you choose to undo it, which can be done at any time.

Freeze your Card

Invite employees to get Business Checking account access. Once approved, admin users can have access to a debit card, manage payees, make payments and more.

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Use your Business Debit Card with confidence.

Tap, pay, and be on your way.

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

Shop with more confidence.

Covered Purchases made with your Eligible Card may be protected with the added benefits of Purchase Protection and Extended Warranty.

Manage your accounts 24/7.

Visit the “Manage Your Business Debit Cards” page to request a replacement Card, explore available Card services, view card details, or freeze your card.

USING YOUR BUSINESS DEBIT CARD

Frequently Asked Questions

To activate your Card and set up your PIN, visit americanexpress.com/ActivateDebitCard.

Log in to your account and navigate to the Support tab to find out how to contact us if you need to replace your Business Debit Card.

With American Express® Business Checking, you can enjoy no fee withdrawals at 70,000+ Allpoint® and MoneyPass® ATM locations nationwide, at locations like Target®, Walgreens®, CVS Pharmacy®, and more.

You can also use your American Express Business Checking Debit Card at any ATMs where American Express is accepted, fees may apply.

Yes. An admin is automatically issued one American Express Business Debit Card on the account with the longest tenure.

See all FAQs
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