3 Min Read | Published: December 12, 2023 | Updated: August 9, 2024
A Closer Look: The benefits of linking an external business bank account to American Express Business BlueprintTM
Linking your external business bank accounts to Business Blueprint has many benefits across multiple American Express products and services, including American Express® Business Line of Credit.
The following guide explains how linking your external business bank accounts can help you make the most of your Amex business products.
Business Blueprint offers free personalized cash flow insights, based on your select American Express products and linked external bank and card accounts, that can help you make more informed decisions for your business. You can link your external accounts to Business Blueprint by using the login credentials associated with those accounts.
The more accounts you link to Business Blueprint, the more complete the picture of your cash flow (expenses, account balances, and transactions) – and the more comprehensive your customized charts and graphs become.
American Express does not store external login credentials. Read more about privacy here.
Linking your external business bank accounts helps us determine and manage your Business Line of Credit on an ongoing basis. Once linked, your business bank accounts can be used to make repayments and to receive the deposit of loan funds from your Business Line of Credit.
Linking an external business bank account to your Business Checking account enables you to fund your Business Checking account and make transfers and payments. To ensure your Business Checking account stays open, you must make an initial deposit or incoming transfer within 120 days of when your application was approved.
There are three ways you can connect an external business bank account to your Business Checking account:
- By selecting an external bank account on file that’s previously been added to other Amex products
- Manually, by entering the routing and checking number of your external bank account
- By logging into your external bank account to pull that account username and password
How do I unlink a business bank or card account?
In order to remove a previously linked external account, you will need to contact us directly.
Before reaching out to Customer Service, we recommend following these simple troubleshooting tips to resolve common issues
- Avoid using copy-paste or auto-fill for your login details.
- When finding your bank on our Dashboard, click its icon. This action opens a new tab, allowing you to ensure it's the correct login page for your bank.
- Try searching with your bank's routing number.
- If there's a hiccup connecting through our site, make sure you can sign in directly on your bank's official site.
- Not getting verification codes? Double-check your bank has the correct phone number or email for you.
- Sign into your bank and see if there are any alerts or notifications that might be blocking a smooth data connection.
We hope these steps help! If you're still facing issues, don't hesitate to get in touch.
STILL NEED HELP?
Reach out to us for further guidance.
Deposit accounts offered by American Express National Bank. Member FDIC.
TERMS AND CONDITIONS
American Express and Amex are registered trademarks of American Express.
American Express Business Blueprint™ is the small business digital experience that allows a customer to view on one digital dashboard summary account information for the following American Express small business products: American Express® Business Cards, American Express® Business Line of Credit, and American Express® Business Checking. The customer can also choose to link their third-party issued business bank accounts and business credit cards to Business Blueprint. Not all third party accounts or cards can be connected to Business Blueprint. Business Blueprint allows the customer to view data insights and track their business cash flow and expenses by viewing reports that American Express prepares using the customer’s linked account information. Business Blueprint provides a 30-day bank account balance projection, using the daily balances from the customer’s linked bank accounts from the last 90 days. To be used in the account balance projection, the customer’s bank account must have at least 90 days of data available. While the cash flow management service from Business Blueprint is currently free, each of the business products from American Express that are visible in Business Blueprint has its own fees, eligibility criteria, application process and approval requirements. The Business Blueprint service (including any data insights provided to the customer) does not constitute legal, tax, financial or accounting advice, and is not 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. American Express makes no representations as to the accuracy, completeness or timeliness of the reports, projections, data or account information that are available to the customer from Business Blueprint.
American Express® Business Line of Credit
American Express® Business Line of Credit offers access to a commercial line of credit ranging from $2,000 to $250,000; however, you may be eligible for a larger line of credit based on our evaluation of your business. Each draw on the line of credit will result in either a separate installment loan or a single repayment loan. All loans are subject to credit approval and are secured by business assets. Every loan requires a personal guarantee. For single repayment loans, we charge a total loan fee that ranges from 0.95%-1.80% of the amount you borrow for 1-month loans, 1.90%-3.75% for 2-month loans, and 2.85%-6.05% for 3-month loans. Single repayment loans incur a loan fee at origination and the principal and total loan fee are due and payable at loan maturity. There are no required monthly repayments for a single repayment loan. Repaying a single repayment loan early will not reduce the loan fee we charge you. For installment loans, we charge a total loan fee that ranges from 3-9% of the amount you borrow for 6-month loans, 6-18% for 12-month loans, 9-27% for 18-month loans, and 12-18% for 24-month loans. Installment loans incur a portion of the total loan fee for each month you have an outstanding balance. If you repay the total of the principal of an installment loan early, you will not be required to pay loan fees that have not posted for subsequent months. For each loan that you take, you will see the applicable loan fee before you take the loan. Once you take the loan, the loan fees that apply to that loan do not change. We reserve the right to change the loan fees that we offer you for new loans at any time. American Express reserves the right to offer promotions to reduce or waive loan fees from time to time. Not all customers will be eligible for the lowest loan fee. Not all loan term lengths are available to all customers. Eligibility is based on creditworthiness and other factors. Not all industries are eligible for American Express® Business Line of Credit. Pricing and line of credit decisions are based on the overall financial profile of you and your business, including history with American Express and other financial institutions, credit history, and other factors. Lines of credit are subject to periodic review and may change or be suspended, accompanied with or without an account closure. Late fees may be assessed. Loans are issued by American Express National Bank.
Single repayment loans may become available to eligible existing and new Business Line of Credit customers at different times.
American Express® Business Checking Account
We are currently accepting applications from eligible U.S. businesses. Not all applicants will be approved for a Business Checking account. To learn more about Business Checking, including eligibility, visit https://www.americanexpress.com/en-us/business/checking/.
Membership Rewards® Program
Terms and Conditions for the Membership Rewards® program apply. Visit 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
Kabbage Payments, LLC is a registered Payment Service Provider/Payment Facilitator sponsored by Fifth Third Bank, N.A., Cincinnati, OH.