Menu Search Help Log In Business Cards NEW American Express® Business Checking Meet the business checking account built for businesses like yours. Earn high interest, say goodbye to monthly maintenance fees and simplify your business banking with online business checking from American Express. Business Checking Key Rewards & Benefits $300 deposit with qualifying activities‡ 1.1% APY‡ on balances up to $500k No monthly maintenance fees¤ 24/7 support from specialists Business Checking Rewards WELCOME OFFER Earn a $300 deposit when you: Deposit $5,000 within 10 days of opening your account, AND Maintain an average account balance of $5,000 for 60 days, AND Make 10 or more qualifying transactions within 60 days of opening your account.‡ How much cash can you earn over a year with an annual interest-bearing rate of 1.1% on balances up to $500k? $3,317 $100k $300k $500k Account balance Calculator is for illustration only, rounded to the nearest dollar, and assumes that you earn 1.1% APY (capped at $500,000) and maintain your deposit selected above for an entire year. APY is subject to change at any time without notice. Business Checking APY Earn an APY that’s 35X the FDIC National Deposit Rate, an average of rates for consumer and business checking accounts.‡ Put your everyday business cash to work with 1.1% APY¤ and earn a little extra money without any extra legwork. How it Works Introducing a fully digital 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. Download the iOS app Use the American Express® Business Checking App virtually anywhere.‡ Make mobile deposits By snapping a pic with your iPhone.‡ Pay bills with ease Pay vendors, bills, and more with one click; online or through the mobile app (iOS only).‡ Receive a debit card Use the Business Debit Card for ATM withdrawals and purchasing needs. Get support If you need them, Amex specialists are a click or call away. 24/7. Frequently Asked Questions How do I open a business checking account? What do I need to open a business checking account? How much does it cost to open a business checking account? Is the APY fixed? What are the benefits of a business checking account? Member FDIC Accounts offered by American Express National Bank. Member FDIC. Funds deposited within American Express National Bank deposit accounts are insured by the Federal Deposit Insurance Corporation (FDIC) up to at least $250,000 per depositor. Coverage amounts vary based on factors such as account ownership, beneficiaries, and number of accounts with the same institution. For additional information, you may visit the FDIC website at www.fdic.gov. Rewards APY Fees How It Works FAQ Apply Now ♦︎‡†Offer & Benefit Terms ¤Rates & Fees More from If you’d like Payment Solutions Discover new ways to control employee spending, streamline vendor payments, and automate Accounts Payable to put more time back on your side. Explore Payment Solutions If you’d like American Express® Business Cards Get the Cards with rewards, benefits, and offers built to back hard-working business owners. Explore Business Program ABOUT About American Express Investor Relations Careers Global Network Contact Us Amex Mobile App PRODUCTS & SERVICES Credit Cards Business Credit Cards Corporate Programs Prepaid Cards Savings Accounts & CDs Gift Cards LINKS YOU MAY LIKE Membership Rewards Free Credit Score & Report CreditSecure Bluebird Accept Amex Cards Refer A Friend ADDITIONAL INFORMATION Credit Intel – Financial Education Center Supplier Diversity Credit 101 Money Management 101 US Newcomers Frequently Asked Questions United StatesChange Country Terms of ServicePrivacy CenterAdChoicesSecurity CenterCard AgreementsServicemember BenefitsSite Map All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. Please review. © 2021 American Express. All rights reserved