How do I open a business checking account?

You can open your American Express® Business Checking account online in as little as 10 minutes. You'll need to answer a few basic questions about your business including your industry, revenue, and how you plan to use your online business checking account, and you will need to provide an Employee Identification Number (EIN) or Taxpayer Identification Number (TIN) and documentation to prove you are a registered business. If you're approved for an account, you'll be able to link an external bank account, deposit funds, and begin making transactions.

How much does it cost to open a business checking account?

There is no cost to open an American Express® Business Checking account, and there are no monthly minimum balance requirements or maintenance fees. You can find a full list of applicable rates and fees here.

No, the Annual Percentage Yield (APY) is variable. Interest rate and APY are subject to change at any time without notice before and after an American Express® Business Checking account is opened.

What are the benefits of a business checking account?

American Express® Business Checking offers benefits for businesses such as: • ${rate}% interest annually. • The opportunity to earn a welcome bonus with qualifying actions. • No monthly account maintenance fees. • No minimum balance requirement. • Simple online account management with no branches, tellers, or lines. • Personalized customer service with real, live people. • Business Debit Card for purchases nearly everywhere that Amex is accepted. Also for ATM cash withdrawals and balance inquiries.

Welcome Offer

EARN

30K

MEMBERSHIP REWARDS^® POINTS

After performing qualifying activities. Terms apply.

Meet the business checking account built for businesses like yours.

Name: Business Checking Account
Brand: American Express

Earn Membership Rewards^® points, enjoy no monthly 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

^‡Offer & Benefit Terms |^¤Rates & Fees

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?

$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?

$100k

$300k

$500k

Account Balance

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?

$100k

$300k

$500k

Account Balance

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 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.

How it Works

Meet a fully online account with no branches, tellers, or lines.

Item 1 of 2

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 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.

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.

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.

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.