50,000 Membership Rewards® points American Express Business Checking Welcome Bonus

You are not eligible to earn a Welcome Bonus for any accounts opened for a business that currently has or has had an American Express® Business Checking account. 

To be eligible for this Welcome Bonus, your application must be submitted using the link for this 50,000 Welcome Bonus and your existing American Express credentials by 3/31/24 11:59:59 EST. This Welcome Offer is only available to select businesses who were solicited directly by American Express. Offer cannot be forwarded, transferred, or used more than once. 

To be eligible to earn a Welcome Bonus of 50,000 Membership Rewards® points (the “Welcome Bonus”), you must meet each of the following qualifying criteria: 

(1) Open your first American Express® Business Checking account, which is subject to approval;

(2) Deposit a total of $5,000 or more in eligible deposits that you make and are posted to your account within thirty (30) days of account opening.  Eligible deposits are all deposits that you make, except deposits from any other American Express® Business Checking account, deposits from interest payments, and deposits using our Redeem Membership Rewards Points for Deposits feature. Eligible deposits that you may make within thirty (30) days of account opening but that post to your account and appear in your available balance after thirty (30) days of account opening do not qualify;

(3) Maintain an average daily balance in your account of at least $5,000 for sixty (60) days, starting on the date that your eligible deposits are equal to $5,000 or greater. We calculate the average daily balance of your account for the sixty (60) days as the sum of your account’s end-of-day balance for sixty (60) consecutive calendar days divided by sixty; and

(4) Complete five (5) qualifying transactions within sixty (60) days of account opening. “Qualifying transactions” are defined as mobile deposits, check deposits by mail, and electronic/online transactions, including ACH, Wire, and Bill Payment transactions made to or from your account. Business Debit Card transactions and deposits using our Redeem Membership Rewards Points for Deposits feature are not qualifying transactions. Transfers between American Express® Business Checking accounts held by the same business are not qualifying transactions. Stop payments and transactions that do not post to your account and do not appear in your Available Balance within sixty (60) days of account opening are not qualifying transactions.

After you have completed all the above qualifying criteria, American Express will credit the Membership Rewards points to the Membership Rewards Program Account linked to your American Express® Business Checking account within 8-12 weeks. We may not credit the Membership Rewards points, or we may take away the Membership Rewards points if we determine, in our sole discretion, that you have engaged in abuse, misuse, or gaming in connection with the offer in any way or that you intend to do so. We may also cancel this account and other accounts you may have with us if we determine abuse, misuse or gaming behavior has been shown. Your American Express® Business Checking account must be open at the time of fulfillment; we may not credit the Membership Rewards points if you or we close your American Express® Business Checking account.

The Welcome Bonus may be taxable income to you and may be reported on IRS Form 1099. You are responsible for any federal or state taxes resulting from the offer. Please consult your tax advisor if you have questions about the tax treatment of the Welcome Bonus.

American Express reserves the right to modify or revoke this Welcome Bonus at any time without notice.

Terms and Conditions for the Membership Rewards® program apply. Visit www.membershiprewards.com/terms for more information.

If you’re new to the Membership Rewards® program:

Any points you earn, including this Welcome Bonus and from making Business Debit Card purchases, can be converted into deposits made directly into your Business Checking account.

If you already have a Membership Rewards-enrolled Card:

You can choose to convert points into deposits directly into your Business Checking account or use them the same way you always have – for travel, gift cards, and more.

Participating partners and available rewards are subject to change without notice.

The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to www.membershiprewards.com/pointsinfo.

Welcome Bonus offered by American Express National Bank, Member FDIC.

ATM Withdrawals 

At Allpoint® and MoneyPass® locations in the U.S., you can withdraw cash and get balance information with no fee. Access to ATMs outside of the Allpoint® and MoneyPass® networks are subject to fees by the ATM owner and/or network. ATM withdrawal limits apply. American Express applies foreign exchange fees to withdrawals in foreign currencies. American Express does not accept ATM cash deposits into your Business Checking account at this time. Visit americanexpress.com/atm-locator to find participating ATMs in the U.S. 

APY
Annual Percentage Yield (APY) as advertised is accurate as of 10/12/22. APY is applied on account balances up to $500,000. No interest is earned on account balances over $500,000. APY is subject to change at any time without notice before and after a Business Checking account is opened.

American Express™ Business Blueprint

With American Express Business Blueprint™, customers can view their select business products that automatically appear on their dashboard at login. These products include American Express® Business Line of Credit, American Express® Business Checking, American Express® Payment Accept, and American Express® Business Credit Cards. Customers may also view the eligible external business bank and card accounts they choose to link to Business Blueprint. 

The data insights provided through American Express Business Blueprint™ do not constitute legal, tax, financial or accounting advice, and should not be considered a substitute for obtaining competent personalized advice from a licensed professional. You should seek professional advice before making any decision that could affect the financial health of your business.

Data insights provided through American Express Business Blueprint™ are based on customers'  select business products, which include American Express® Business Line of Credit, American Express® Business Checking, American Express® Payment Accept, American Express® Business Credit Cards, and the eligible external business bank and card accounts that customers choose to link to Business Blueprint.

The  American Express Business Blueprint™ dashboard uses API connections to access, and then aggregate and analyze, data from the eligible external business bank and card accounts that customers choose to link. Customers can disable linked external accounts from Business Blueprint at any time. Some data may be delayed due to extenuating circumstances, such as the business account's connection to American Express Business Blueprint™ or issues with other API connections. 

Digital Wallet

Contactless payments are accepted at participating merchants only.

Delta SkyMiles®

1. Enrollment in the Delta SkyMiles® program is required.

2. American Express is not responsible for availability of flight, accommodations, or any other rewards in the Delta SkyMiles® program.

3. Award Tickets are subject to availability. Check Award Seat availability before transferring points by visiting www.delta.com/awardticket or by calling 1-800-221-1212.

4. Once you have transferred Membership Rewards® points, they cannot be transferred back to your Membership Rewards account and become subject to the Terms and Conditions of the Delta SkyMiles® program, found at http://www.delta.com/content/www/en_US/skymiles/program-rules-conditions.html.

5. Transfer enough points into your Delta SkyMiles® account to redeem for an Award Ticket or to top up your Delta SkyMiles® account balance.

6. Transfers are normally immediate, but please allow up to 48 hours for the transfer to be completed.

7. Please note that no booking can be made until the miles are credited to your Delta SkyMiles® account.

8. Taxes, fees, charges and surcharges, including airline surcharges, may apply on Delta Air Lines redemption flights, redemption on Delta partners, and upgrades.

9. All redemption bookings are subject to the terms and conditions of the Delta SkyMiles® program. To review the rules, please visit http://www.delta.com/content/www/en_US/skymiles/program-rules-conditions.html.

Hilton Honors®

1. Enrollment in Hilton Honors is required.

2. American Express is not responsible for availability of accommodations, or any other rewards in the Hilton Honors program.

3. Guest rooms are subject to availability. Check award accommodation availability before transferring points by visiting HiltonHonors.com or by calling 1-800-HHONORS.

4. Once you have transferred Membership Rewards® points, they cannot be transferred back to  your Membership Rewards account and become subject to the Terms and Conditions of the Hilton Honors program, found at HiltonHonors.com/Terms.

5. Transfer enough points into your Hilton Honors account to redeem for your award accommodations or top up your Hilton Honors account.

6. Transfers are normally immediate, but please allow up to 24 hours for the transfer to be completed.

7. Please note that no booking can be made until the Hilton Honors points are credited to your Hilton Honors account.

8. Taxes, fees, charges and surcharges may apply.

9.  All redemption bookings are subject to the terms and conditions of the Hilton Honors program.

Integrate Accounting Software

QuickBooks® and the QuickBooks logo are registered trademarks of Intuit, Inc. To use this feature, you are responsible for separately purchasing and maintaining a QuickBooks account subscription as required by Intuit, Inc. American Express is not responsible for the products or services offered by Intuit, Inc. For more information about QuickBooks, visit https://quickbooks.intuit.com/.

Marriott Bonvoy®

1. Enrollment in Marriott Bonvoy™ (“Loyalty Program”) is required.

2. American Express is not responsible for availability of accommodations, or any other rewards in the Loyalty Program.

3. Guest rooms are subject to availability. Check award accommodation availability before transferring points by visiting www.marriottbonvoy.com

4. Once you have transferred Membership Rewards® points, they cannot be transferred back to your Membership Rewards account and become subject to the Terms and Conditions of the Loyalty Program found at www.marriottbonvoy.com/terms.

5. Transfer enough points into your Loyalty Program account to redeem for your award accommodations or top up your Loyalty Program account.

6. Transfers are normally immediate, but please allow up to 48 hours for the transfer to be completed.

7. Please note that no bookings can be made until the Points are credited to your Loyalty Program account.

8. Taxes, fees, charges and surcharges may apply.

9. All redemption bookings are subject to the terms and conditions of the Loyalty Program found at www.marriottbonvoy.com/terms.

Mobile Deposits
Deposit limits and other restrictions may apply. Some deposit types are not eligible for mobile deposit. See the Remote Check Deposit Addendum in your Business Checking account Agreement for other terms, conditions, and limitations.

Membership Rewards® Program

Terms and Conditions for the Membership Rewards® program apply. Visit www.membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice. The value of Membership Rewards® points varies according to how you choose to use them. To learn more, go to www.membershiprewards.com/pointsinfo.

Membership Rewards^® Program for Checking and Debit

When you open an American Express^® Business Checking Account, you will also receive a Membership Rewards^® Account, in which you will earn one Membership Rewards point for every two dollars of eligible Debit Card purchases. Eligible purchases are purchases for goods and services minus returns and other credits. For more information on eligible purchases, visit www.membershiprewards.com/terms. You can redeem Membership Rewards points for a deposit into your checking account. Click here to learn what other redemption options may also be available. If you also have a Rewards Account in connection with a Card Account, your Rewards Accounts can be linked and you will have access to all redemption options offered with that Card Account. For more information, visit www.membershiprewards.com/terms. 

Membership Rewards^® Program - Redeem for Deposits

You may redeem Membership Rewards^® points for deposits into your American Express^® Business Checking Account at the standard rate of 1000 points for an $8 deposit.  If you have a Business Platinum Card^® and an American Express Business Checking Account linked to the same Membership Rewards Account, you can redeem points for a deposit at a rate of 1000 points for $10 for up to 1,000,000 points per calendar year, after which you may continue to redeem points at the standard rate. There is no minimum number of points needed to use Redeem for Deposits. American Express will deduct the number of points you select from your Membership Rewards Account and deposit a corresponding dollar amount into your checking account.  Generally, deposits will post to your account within 48 hours of redemption.  For more information, visit www.membershiprewards.com/terms.

Membership Rewards® Program - Transfer Points

Enrollment in a participating Frequent Flyer program is required. Airline tickets are subject to availability. 

Same Day ACH

$10 USD fee applies. Same Day ACH transactions submitted between 12 AM and 2:45 PM ET on a business day will arrive on the same day by 6 PM ET. The availability of your funds may vary depending on your payee’s financial institution. Please note that the same day ACH option is not available for recurring or international transactions.

Rates & Fee Table: American Express ® Business Checking

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¹ APY to be earned on account balances ≤ $500,000. No interest is earned on account balances over $500,000.
² Cash withdrawals from ATMs outside of the Allpoint^® or MoneyPass^® networks may be subject to fees by the ATM owner and/or network.
³ Third-party vendor Harland Clarke provides checkbooks and determines pricing.
⁴ Some deposit types are not eligible for mobile deposit. See the Remote Check Deposit Addendum in your Business Checking Account Agreement for other terms, conditions, and limitations.