American Express
American Express Rewards Checking
Enhance your Membership with Rewards Checking*
Apply for an online checking account with no fee to open, no monthly fees, and no minimum balance requirements.1
*We are currently accepting applications from Card Members with a U.S. Basic Consumer Card issued by American Express National Bank with at least 35 days tenure.

American Express Rewards Checking

Enhance your Membership with Rewards Checking*

Apply for an online checking account with no fee to open, no monthly fees, and no minimum balance requirements.1

High Interest

Earn a 1.00% APY2 —10X higher than the national rate.2

Debit Card Rewards

Earn Membership Rewards® points on eligible Debit Card purchases.3

No Monthly Fees

No fee to open, no minimum deposit, and no monthly fees.1

Backed by Amex

24/7 world-class customer service and fraud monitoring.
Don't do checking without it
A short animation showing how the Amex App combines credit card and checking account features, including account and Membership Reward point balances.

Seamlessly manage your personal American Express accounts

  • Your checking, savings, and eligible Card accounts are available 24/7 in the award-winning Amex® App4, or online.
  • Review recent transactions, transfer funds, and track your rewards from a single login.

An online checking account for both earning rewards and building your balance

  • Reward your everyday spending and earn 1 Membership Rewards® point for every $2 of eligible Debit Card purchases. Then redeem those points for deposits right into your Amex Rewards Checking account.5 If you already have a Membership Rewards-enrolled Product, you can redeem those points the same way you always have. If you're new to the Membership Rewards® Program, the points you earn can be redeemed for limited options.
  • You’ll also earn a 1.00% APY on your checking account balance. That’s 10X higher than the national rate!

Modern digital tools designed for your day-to-day

Two transactions from today on the Amex app, including the vendor and the amount charged for each.

Manage your account and more from wherever you are

Mobile Check Deposits: The Amex® App helps make mobile deposits simple – just take pictures with your smartphone.6
Digital Transfers: It’s simple to connect your existing bank accounts, so you can transfer money when you need to from an eligible account that's connected, including the American Express® High Yield Savings Account.
Digital Wallet: Add your American Express® Debit Card to your digital wallet to make fast and convenient payments in store and online.7
Send or receive money with no fee using Zelle® right from the Amex® App or online.⁸ Enrollment required. Learn More.

Frequently Asked Questions

Have other questions? Get more answers by reviewing our full list of FAQs.

An Amex Member making a contactless payment with their mobile device while seated at a restaurant

High interest online checking account for Members

Terms and Conditions

1No Monthly Account Fees and No Minimum Balance Requirements

2Annual Percentage Yield (APY)

3Membership Rewards® Program for Checking and Debit

Membership Rewards® Program

4American Express® App

5Membership Rewards® Program - Redeem for Deposits

6Mobile Check Deposit

7Digital Wallet

8Zelle

9Zero Liability Fraud Protection

10ATM Withdrawals

11Contactless Payments

12Wire Transfers