Welcome Offer
EARN
30K
MEMBERSHIP REWARDS? POINTS
After performing qualifying activities. Terms apply.
After performing qualifying activities. Terms apply.
Business Checking Logo

Meet the business checking account built for businesses like yours.

Earn Membership Rewards? points, say goodbye to monthly maintenance fees, and get the powerful backing of American Express with 24/7 support from our specialists.

Key Rewards & Benefits of a Business Checking Account

  • Earn 30,000 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

WELCOME OFFER

Earn 30,000

Membership Rewards? points after you

  • Deposit a total of $5,000 or more in eligible deposits
    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.
    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
    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.
    within 60 days of opening your account.?
Apply Now

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:

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

WAYS TO REDEEM:

Turn Membership Rewards points into deposits directly into an American Express? Business Checking account.

Transfer points to select participating travel partners like Delta, Hilton and Marriott.
If you already have a Membership Rewards enrolled Card, you can choose to convert points into deposits made 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.?

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.
American Express Business Debit Card

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.
American Express Business Debit Card

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.
American Express Business Debit Card

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.

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