Last Updated: 04/18/2025
American Express Business Checking Account
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Last Updated: 04/18/2025
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Highlights
Monthly Service Fee
ATM Fee: Out-of-Network (within the U.S.)
N/A
Minimum Average Balance to Avoid Monthly Service Fee
APY (Annual Percentage Yield)
American Express Business Checking Account Review
Key Takeaways
- Earn 30,000 Membership Rewards® points after you Deposit a total of $5,000 or more in eligible deposits 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 within 60 days of opening your account. Earn 1 Membership Rewards point for every $2 you spend on an eligible Business Debit Card purchase.
- Up to 1.30% annual percentage yield (APY). This account offers an annual percentage yield of up to 1.30%, which is much higher than the average for the checking accounts that we track
- No monthly maintenance fees. This account does not charge any monthly account fees.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- No ATM fees. American Express Business Checking Account does not charge fees on ATM transactions .
American Express Business Checking Account Pros & Cons
| Pros | Cons |
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American Express Business Checking Account FAQ
Are business checking accounts from American Express® National Bank federally insured?
What APY does American Express Business Checking Account offer?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 1.30% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What are the account minimums for American Express Business Checking Account?
| Description | Amount |
| Minimum Initial Deposit | $0.00 |
What fees does American Express Business Checking Account charge?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does American Express Business Checking Account offer?
- Mobile Banking Services - American Express Business Checking Account allows you to manage your money online. This includes depositing checks in your account with your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
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