American Express® Business Checking* is fully digital so you can manage deposits and payments from anywhere in just a few clicks or taps. Enjoy an online backing experience with $0 monthly fees, 24/7 support, and the ability to earn Membership Rewards® points. Deposit Accounts offered by American Express National Bank. Member FDIC.
*Terms & Conditions:
Membership Rewards® Program Terms and Conditions for the Membership Rewards® program apply. Visit www.membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.
The value of Membership Rewards® points varies according to how you choose to use them. To learn more, go to http://www.membershiprewards.com/pointsinfo.
Membership Rewards® Program - Redeem for Deposits
You may redeem Membership Rewards® points for deposits into your American Express® Business Checking Account at the standard rate of 1000 points for an $8 deposit. If you have a Business Platinum Card® and an American Express Business Checking Account linked to the same Membership Rewards Account, you can redeem points for a deposit at a rate of 1000 points for $10 for up to 1,000,000 points per calendar year, after which you may continue to redeem points at the standard rate. There is no minimum number of points needed to use Redeem for Deposits. American Express will deduct the number of points you select from your Membership Rewards Account and deposit a corresponding dollar amount into your checking account. Generally, deposits will post to your account within 48 hours of redemption. For more information, visit membershiprewards.com/terms.
Membership Rewards® Program for Checking and Debit
When you open an American Express® Business Checking Account, you will also receive a Membership Rewards® Account, in which you will earn one Membership Rewards point for every two dollars of eligible Debit Card purchases. Eligible purchases are purchases for goods and services minus returns and other credits. For more information on eligible purchases, visit www.membershiprewards.com/terms. You can redeem Membership Rewards points for a deposit into your checking account. Click here to learn what other redemption options may also be available. If you also have a Rewards Account in connection with a Card Account, your Rewards Accounts can be linked and you will have access to all redemption options offered with that Card Account. For more information, visit www.membershiprewards.com/terms.
Membership Rewards® Program - Transfer Points for Checking Products
Enrollment in a participating Frequent Flyer or Frequent Guest program is required. Airline tickets and guest rooms are subject to availability. For each conversion of points into the Frequent Flyer program of a U.S. airline, a fee of $0.0006 per point applies, with a maximum fee of $99. This fee is applied to offset the federal excise tax we must pay on such conversions. The fee may be more or less than the actual amount of the excise tax we pay on any individual conversion. You must have enough Membership Rewards points to cover this fee at the time of the points transfer.
American Express Business Blueprint™
With the American Express Business Blueprint™ App, you can view your select business products. These products include American Express® Business Line of Credit, American Express® Business Checking, and American Express® Business Cards, and eligible external business checking and card accounts you choose to link to Business Blueprint. Additional terms and limitations may apply. Some app features may only be available on supported devices. The American Express Business Blueprint™ App is available on the App Store and Google Play. Message and data rates may apply.