Meet the business checking account built for businesses like yours.
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:
WAYS TO REDEEM:
How much can you earn over a year with an APY of % on balances up to $500k?
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?
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?
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.
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.
Frequently Asked Questions
Member FDIC
Accounts offered by American Express National Bank. Member FDIC.
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