Compare American Express Checking Accounts
Please find below checking accounts offered by American Express.
American Express Rewards Checking

- Earn a 0.60% APY, 10X higher than the national rate
- No Monthly Account Fees and No Minimum Balance Requirements
- Earn Membership Rewards® points on Debit Card purchases: Reward your everyday spending and earn 1 Membership Rewards point for each $2 of eligible Debit Card purchases. No cap on how many points you can earn
- Amex Rewards Checking accounts do not currently provide services for wire payments, overdraft protection, or online bill payment
- With 37,000 MoneyPass® ATMs nationwide, you can enjoy fee-free withdrawals at locations near you
- Amex Rewards Checking accounts are subject to a maximum deposit limit of $5,000,000.
American Express Business Checking

- Earn 20,000 Membership Rewards® points after you:
- (a) Make an eligible deposit of $5,000 [or more] within 20 days of opening your first account, AND
- (b) Maintain an average account balance of $5,000 for 60 days, AND
- (c) Make 10 or more qualifying transactions within 60 days of opening your account.
- Any points you earn, including this Welcome Offer and from making Business Debit Card purchases, can be converted into deposits made directly into your Business Checking account.
- If you already have a Membership Rewards-enrolled Card: You can choose to convert points into deposits directly into your Business Checking account or use them the same way you always have – for travel, gift cards, and more.
- 1.1% APY on balances up to $500k. No interest is earned on account balances over $500,000
- No monthly account maintenance fees
- No minimum balance requirement
- With 37,000 MoneyPass® ATMs nationwide, you can enjoy fee-free withdrawals at locations near you
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