Safe, simple money management with the American Express® App.
 

*Terms and Conditions

American Express Rewards Checking - Mobile Check Deposit

Mobile Check Deposit is subject to deposit limits and other restrictions, which may change in the future. Please see our Mobile Check Deposit Agreement (go.amex/mcdterms) for limits and other restrictions. This agreement may be accessed prior to your use of this service. Please see the Rewards Checking Schedule (go.amex/checkingschedule) for information about when funds deposited through Mobile Check Deposit are made available. Mobile data rates may apply.

American Express Reward Checking – ATM Use

At Allpoint® and MoneyPass® locations in the U.S., you can withdraw cash and get account information with no fee. Access to ATMs outside of the Allpoint® and MoneyPass® network are subject to fees by the ATM owner and/or network. ATM withdrawal limits apply. American Express applies foreign exchange fees to withdrawals in foreign currencies. American Express does not accept ATM cash deposits into your Rewards Checking account at this time. Visit https://www.americanexpress.com/rewardscheckingterms for more information and https://www.americanexpress.com/en-us/banking/atm-locator to find participating ATMs in the U.S.

American Express Reward Checking – Digital Wallet

Digital Wallets are Apple Pay®, or Google Pay. Contactless payments are accepted at participating merchants only.

American Express® Savings – Transfers

For purposes of transferring funds to or from an external bank, business days are Monday through Friday, excluding federal holidays. Transfers can be initiated 24/7 via the website or phone, but any transfers initiated after 7:00 PM Eastern Time or on non-business days will begin processing on the next business day. Funds deposited into your account may be subject to holds. See the Funds Availability section of your Consumer Deposit Account Agreement and Savings Schedules for more information.

Send & Split®

Send & Split® is only available in the American Express® App (“Amex App”) to Card Members with an eligible Card. Eligible Cards are US issued Basic Consumer Cards that are issued by American Express National Bank and are not cancelled. Prepaid Cards, American Express Corporate Cards, American Express Small Business Cards, American Express-branded cards or account numbers issued by other financial institutions and American Express Cards issued outside of the United States are not eligible Cards. To use Send & Split, you must first have an email address on file, enroll in Send & Split® in your American Express Online Account (“Online Account”) and open an Amex Send® stored balance account in the Amex App (“Send Account”).
Send & Split allows you to: (i) send a person-to-person payment from your Send Account to Venmo and PayPal users (“Send”) and (ii) split a Card purchase (“Split”) and receive funds to your Card account as a statement credit or to your linked Venmo or PayPal account. You may use Send & Split® with an Additional consumer Card that is issued in the US by American Express National Bank and is not cancelled if you also have an eligible Card in the same Online Account and that Online Account is enrolled in Send & Split. You must have or create an account with Venmo or PayPal and link your Online Account to your PayPal or Venmo account to use Send & Split. You must add money to your Send Account from your eligible Card(s) to Send to a Venmo or PayPal recipient.
The money you add will be reflected in your Send Account balance. The charge on your Card for an Add Money transaction does not earn rewards and is subject to the Card’s purchase APR.
Once the Send from your Send Account is available in the recipient’s Venmo or PayPal account, you do not have the ability to cancel the transaction. There is no fee to Send to US recipients.
PayPal charges a fee to Send to non-US recipients. With Split, you can split pending or posted purchases that are made with your eligible Card in your Amex App. Once you select a purchase to Split, select the contacts you want to request to Split with. You can choose to get paid back as a statement credit to your Card account (a Split credit) or to your linked Venmo or PayPal account.
Split credits to your Card account apply when we receive confirmation that the Split request was completed but may take 24-36 hours to post to your Card account. You are still responsible to pay the full purchase amount charged to your Card, regardless of whether you are paid back via Split. You earn rewards for purchases that you split in the same way that you earn rewards for other purchases.
Other eligibility and restrictions apply. For complete details visit https://americanexpress.com/sendandsplitterms to view Terms & Conditions. Send Account issued by American Express National Bank.