American Express
Welcome Offer
EARN
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, enjoy no monthly fees, and get the powerful backing of American Express with 24/7 support from our specialists.
FDIC Logo. FDIC-Insured - Backed by the full faith and credit of the U.S. Goverment

Key Rewards & Benefits of a Business Checking Account

  • No monthly maintenance fees¤

  • 24/7 support - specialists are a click or call away

  • Earn 1.30% APY on balances up to $500k

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 partner programs.
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?

$3,898
$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 it Works

Meet a fully online 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.

  • With American Express® Business Checking, you can enjoy no fee withdrawals at 70,000+ 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.

  • 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

What do I need to open a Business Checking account online?

Save time with the online application – no need to go to a bank branch. To make the process even easier, gather your information and documents before you apply. Here are a few things you'll need.

  • Taxpayer Identification Number (TIN)

  • Annual revenue

  • Company structure

  • A 'Doing Business As' (DBA) certificate if your business operates under more than one name

  • Business Owner Information, including SSN, Date of Birth, and Current Address.

For more information on how to apply, check out the FAQs below.

Frequently Asked Questions

Member FDIC


Accounts offered by American Express National Bank. Member FDIC.

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