open american express checking account

All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. No monthly fees or minimum balance requirements. Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. You can likely earn more rewards by using a rewards credit card for everyday purchases. Try these 7 steps to attract new customers. Want to compare options? Our editorial team does not receive direct compensation from our advertisers. Its digital checking without compromises., Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access American Express doesn't accept cash deposits. Pricing and line of credit decisions are based on the overall financial profile of you and your business, including history with This is just one scoring method and a credit card issuer may use another method when considering your application. But this compensation does not influence the information we publish, or the reviews that you see on this site. Money market account is an interest-bearing account at a bank or credit union, not to be confused with a money market mutual fund. Information provided on Forbes Advisor is for educational purposes only. Earn up to $250 with direct deposit. American Express recently introduced a new online checking account. Cash back refers to a credit card that refunds a small percentage of money spent on purchases. Club 33 is a legendary location conceived by Walt Disney shrouded in secrecy and allure that piques the curiosity of nearly anyone who hears about it. 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. This bank account has no maintenance fees and earns rewards and interest. "Purchase Protection Benefit Guide.". Checking vs. Savings Account: Which Should You Pick? To learn more about the redemption value for Redeem for Deposits, go to membershiprewards.com/pointsinfo. American Express on Tuesday launched its first consumer digital checking account, which earns a competitive annual percentage yield (APY) and rewards account holders with points for qualifying debit-card purchases. If youre someone who loves the convenience of banking via a mobile app, youll have to look elsewhere. Many rewards credit cards promise a higher rewards rate, including the best American Express credit cards. Prepaid Cards. Please see the Rewards Checking Account Terms for further details. Amex credit card required for checking account: To apply for a checking account, you need to have an existing American Express card that's been open for at least Please review. The offers that appear on this site are from companies that compensate us. Spencer Tierney is a consumer banking writer at NerdWallet. These are provided as guidelines only and approval is not guaranteed. The American Express Serve card is a reloadable prepaid debit card that functions similarly to a basic debit card tied to a checking account at a traditional bank. APY is subject to change at any time without notice before and after a Rewards Checking Account is opened. Step 1: Visit the American Express National Bank homepage and click Open a new account.. Thats why we built Amex Rewards Checking to deliver more value for Members with the powerful and trusted backing of American Express. The monthly price for the Basic Checking account is $15, which is greater than the $0 fee charged by American Express. To qualify, you need to have held an American Express personal credit card for a minimum of three months. The bank could close your account if you fail to do so. These groups can provide a wealth of information, resources, and support. Its savings account has a solid annual percentage yield, and its certificates of deposit are worth considering. If youre only concerned about having an account that earns interest quickly and at a higher rate, then an American Express personal savings account is a top choice. APY rate compared to national deposit rate from the FDICs published Monthly Rate Information for Interest Checking deposit products. process and giving people confidence in which actions to take next. On American Express National Bank's Website Member FDIC. How Much Does Home Ownership Really Cost? No Monthly Account Fees and No Minimum Balance Requirements. Take our 3 minute quiz and match with an advisor today. He is based in Berkeley, California. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. You can apply online for an Amex Rewards Checking account in minutes, without paying a fee. American Express requires account holders to hold an American Express personal credit card for at least three months before opening a checking account. If you already have a Membership Rewards-enrolled Card, in most cases your Amex Rewards Checking account will automatically be linked to your existing Membership Rewards Program Account. Open an American Express High-Yield Savings Account using your personal link. WebUnionPay (Chinese: ; pinyin: Ynlin), also known as China UnionPay (Chinese: ; pinyin: Zhnggu Ynlin) or by its abbreviation, CUP or UPI internationally, is a Chinese state-owned financial services corporation headquartered in Shanghai, China.It provides bank card services and a major card scheme in mainland China.Founded on 26 March Because you can connect it to external bank accounts, you dont have to make American Express your only banking option. An Amex credit card gives you access to the online checking account, which offers perks like a competitive APY, purchase protection and debit card rewards that can be combined with credit card points for maximum value. Who is eligible to apply for an American Express Rewards Checking account? In addition to interest on balances, youll earn a point for every two dollars spent on eligible purchases using your debit card. We'd love to hear from you, please enter your comments. Transaction fees may reduce APY. Purchase Protection1 is an embedded benefit of your AmericanExpressDebitCard. Keep in mind the checking account is only available for current Amex consumer cardholders whove had a card account open for at least three months. The American Express Rewards Checking account offers all the basic functionalities of a checking account, including a debit card, check-writing access (you can order paper checks from a third-party provider, which may charge a fee), check deposits and access to over 37,000 fee-free ATMs on the MoneyPass network. Mobile data rates may apply. Here's a list of 10 places you can start. It's an adenosine receptor antagonist in this sense. The bank doesn't have a minimum balance requirement to open a CD. Expand your membership with a checking account today. Purchase Protection is underwritten by AMEX Assurance Company, Phoenix, AZ. Should you accept an early retirement offer? With Zero Liability Fraud Protection, you wont be held responsible for fraudulent charges on your Debit Card that you report promptly.. Our goal is to give you the best advice to help you make smart personal finance decisions. Finally, the account offers zero-liability fraud protection, as well as purchase protection, which is a standard benefit for credit cards but not debit cards. Here is a list of our banking partners. Additionally, there are other online banks that offer high-yield interest checking accounts, so this one isn't unique in that area, either. And the bank allows you to make up to nine withdrawals or transfers from savings per month; many banks only allow six. See app store listings for operating system info. NerdWallet strives to keep its information accurate and up to date. Must have an American Express credit card to open a checking account. The FX International Payments platform is deployed within American Express' state of the art data center that features advanced online and offline security and monitoring against internet attacks. Enter the bank's URL. But if you're not interested in optimizing your finances to that degree, American Express National Bank provides a great one-stop-shop for your banking needs. Each depositor is insured to at least $250,000. No, American Express savings accounts dont come with a debit card, but American Express Rewards Checking accounts do. Business Credit Cards. CIT Bank even offers up to $30 in fee reimbursements if you incur fees when using other banks ATMs. Investopedia requires writers to use primary sources to support their work. Spencer Tierney is a writer and NerdWallet's authority on certificates of deposit. Membership RewardsProgram for Checking and Debit. Do not sell or share my personal information. Submitted applications will be reviewed promptly, with decisions usually provided within minutes. Get more answers by reviewing our full list of FAQs. This can present some inconveniences, such as the inability to deposit cash or cash a check in person (although you can still deposit checks with mobile deposit or by mail). The entire account opening process with American Express Bank can be completed online in minutes. These are provided as guidelines only and approval is not guaranteed. American Express Bank customers must be comfortable with an online-only banking experience because this bank doesn't operate physical locations. If you don't have a Membership Rewards credit card, though, you can only redeem your points for deposits in your checking account at a rate of 0.8 cents per point. But the brand also has other financial products available. After your account is created, youll need to fund your account within 60 days to keep it open. Credit Cards. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. American Express recently introduced a new online checking account. WebApplying for an American Express Rewards Checking account can be completed in minutes. You must be the primary Card Member and must have your Card for a minimum of three months before applying. Learn how we secure your payments at the American Express Security Center website. American Express lets you make up to nine withdrawals or transfers from your savings account per month. How do I Redeem Membership Rewards Points? You don't need to have an Amex credit card to open a CD. Limitations apply. Checking account holders can manage their accounts through the American Express app, including depositing checks, and have fee-free access to 37,000 MoneyPass Amex has a new checking account that earns rewards and interest and has no monthly maintenance fees. Make doing business easy while earning valuable rewards. This national deposit rate reflects APY paid on a variety of interest-bearing checking accounts with terms, services and limitations that may differ. Free Credit Score & Only American Express Card Members with a Consumer Card can apply to open an American Express Rewards Checking account. The stars represent ratings from poor (one star) to excellent (five stars). Learn About Benefits and Fees - Terms Apply. You can also apply online. For more information, visitmembershiprewards.com/terms. American Express CDs are available with terms from as little as six months to five years. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, American Express National Bank Review: Checking, Savings and CDs. Are you sure you want to rest your choices? Web5. Just be sure you're OK doing your banking entirely online with no access to physical branches. Points can be redeemed for a deposit into your checking account. You can find a full list of ATMs near you by visiting americanexpress.com/atm-locator. Expect handpicked insights and inspiration for small businesses straight to your inbox. How to Check an American Express Gift Card BalanceAmerican Express Gift Cards. Amex gift cards look like credit cards, with the card number on the front, an expiration date (in a decorative format of 00/00 only) and the Checking the Balance. You can check your balance by calling the number on the back of the card or visiting the American Express Gift Card website.Correcting Card Problems. . Natasha specializes in credit card and rewards content. When you call the number shown when you log in to your bank account and click customer service/help, the vm says call during business hours, mountain time. Please try again later. Open a new Bank of America Advantage Banking personal checking account online, using offer code DNE100CIS. by Theme Park Center March 12, 2023. Learn about high-yield savings, CDs, and money market accounts. Customers who open an American Express Business Checking account can get a business debit card, use online account management tools and access MoneyPass Banks typically require some deposit amount, whether hundreds or even thousands of dollars, to open a certificate of deposit, but thats not the case at American Express. 4 stars equals Excellent. To be eligible to apply, you'll need to be at least 18 years of age. Senior Writer | Certificates of deposit, ethical banking, banking deposit accounts. In addition to having a checking account, you should continue to use credit cards responsibly. on all balances, which is higher than what youll find on other rewards checking accounts. Click here to uncover the best-in-class picks that landed a spot on our shortlist of the best savings accounts for 2023. American Express says: "Editorial Note: This content is not provided by American Express. Access on the Go. editorial integrity, Opening an American Express business account is relatively straightforward. NerdWallets overall ratings for banks and credit unions are weighted averages of several categories: checking, savings, certificates of deposit or credit union share certificates, banking experience and overdraft fees. It can help protect Covered Purchases made on your Eligible Card against accidental damage or theft, for up to 90 days from the Covered Purchase date. Rewards on your spending is always nice, but less valuable than it seems. Top 9 Checking Accounts for US Expats Living Abroad. American Express has put multiple security systems in place to ensure your accounts and your personal information are safe. Must have an American Express credit card to manage bank accounts with the mobile WebIf you want to open your American Express Banking Corp account in joint names, the first step is to visit the branch of American Express Banking Corpwhere you want to open your joint account and fill up an Account Opening Form with all your pertinent information. As a small business owner and former financial advisor, Daphne has first-hand experience with the challenges individuals face in making smart financial choices. But if your goal is to earn as many Membership Rewards points as possible with all of your spending, the account might be worth it for the debit rewards alone. However, 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. A lifeline account is a streamlined checking or savings account designed for low-income customers. Karen Bennett is a consumer banking reporter at Bankrate. The account includes a debit card and pays one Membership Rewards point for every $2 spent on eligible purchases. High-yield savings accounts through American Express National Bank have no monthly fees and no minimum balance. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. Look through the results to find your bank. A checking account is a highly liquid transaction account held at a financial institution that allows deposits and withdrawals. Checking account holders get access to ATMs in the MoneyPass network but won't be able to make cash deposits. American Express and Chase and are among the major issuers that offer the possibility of reopening a closed account. . Because of their high earning potential as compared to traditional bank accounts, Personal Savings accounts through American Express are a great place to keep your emergency fund. Built for your business. However, the debit card cash back can still be useful in situations where you can't pay with a credit card, such as certain types of bills, or if you'd prefer not to use your credit card to avoid overspending and racking up interest. What to do when you lose your 401(k) match, Bank of America launches new travel rewards card and expands Preferred Rewards, American Express launches limited-time offers on several cards, American Express extends new cardholder welcome offers for 3 months, Bank of America begins contactless push, reissuing cards in major markets, California Consumer Financial Privacy Notice. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. Manage vendor payments and employee spending to save time and to help with cash flow management. Compensation may impact the order of which offers appear on page, but our editorial opinions and ratings are not influenced by compensation. Keep in mind, however, that this will reduce your total interest earnings as the interest you withdraw is no longer compounding within the CD. WebOnly American Express Card Members with a Consumer Card can apply to open an American Express Rewards Checking account. How we rate banks, credit unions and other financial service providers. You wont have to worry about paying monthly fees, making a minimum opening deposit or maintaining a high balance in your account to earn the rate. Membership Rewards. American Express has launched a new checking account. If you have a Membership Rewards account in connection with an Amex credit card, you can also redeem your points in other ways. All said, American Express National Bank is a good way to manage your finances in one place without sacrificing yield -- if you have an existing Amex account. If you use a debit card to make some of your purchases, you may want to choose a bank account that earns rewards, like the one mentioned above. Ratings are rounded to the nearest half-star. 0. If you started with an initial deposit of $5,000 and continued to make monthly deposits of $250 for five years, you would end up earning $2,282 in interest over that time, at 3.75% APY. 1 star equals Poor. And the bank allows you to make up to nine withdrawals or transfers from savings per month; many banks only allow six. Our picks of the best online savings accounts can earn you 13x the national average savings account rate. The APY for American Express Business Checking, on the other hand, is 1.30%. at American Express National Bank, Member FDIC. 3 stars equals Good. If I'm on Disability, Can I Still Get a Loan? How do I find and add Amex Offers to my Card? How do rewards work? No, there are no money market accounts available through American Express National Bank. Learn More from FDIC.gov. Past performance is not indicative of future results. American Express Rewards Checking: Everything You Need to Know, Should You Open the Amex Rewards Checking Account, Money Market Account: How It Works and How It Differs From Other Bank Accounts, What Is a Checking Account? Currently, you can only redeem Membership Rewards points for a deposit into your checking account. 2 stars equals Fair. American Express Bank doesn't charge overdraft fees on any of its deposit accounts. By providing your email address, you agree to receive the Business Class: The Brief Newsletter and related marketing communications from American Express. Ben Luthi has been writing about credit cards and personal finance for six years and has written for U.S. News, NerdWallet, CreditCards.com and Experian, among others. We are an independent, advertising-supported comparison service. Access to ATMs outside of the MoneyPass network are subject to fees by the ATM owner and/or network. Send Money & Split Purchases: Venmo and PayPal, Credit Intel Financial Education Center. It doesnt require a minimum deposit to open, and there are no minimum balance requirements or monthly fees. The new American Express checking account earns 1.00% APY (annual percentage yield) as of 12/14/2022 on all balances, which is higher than what youll find on other rewards checking accounts. With that in mind, it could be worth having if you already have a Membership Rewards-earning credit card, but you also use your debit card regularly and want to maximize your rewards. How can I fund my Amex Rewards Checking account? To fund your savings account, you'll have to link your current bank account, set up direct deposit, mail a check to the office in Salt Lake City or deposit a check via the mobile site. Fees apply. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. It also uses other safeguards like automatic account time-outs, phone security questions, email confirmations of password changes and more. Advertising content includes discussions of products and services offered by American Express to help business leaders turn opportunity into growth. Editorial Note: We earn a commission from partner links on Forbes Advisor. The account earns an above-average APY plus Membership Rewards points on qualifying purchases. At this time, Amex Rewards Checking accounts can be designated only for individual accountholders. All rights reserved. Blue Cash Everyday Card from American Express. Formal-Baseball5519 1 yr. ago. The American Express Rewards Checking account pays 0.5 percent APY on the entire balance, which is significantly higher than the national average for interest-bearing checking accounts. The coverage is limited up to $1,000 per occurrence, up to $50,000 per account per calendar year. How we rate banks, credit unions and other financial service providers. You can easily transfer funds between checking and savings accounts, and you can pay your Amex credit card from linked American Express National Bank accounts. We maintain a firewall between our advertisers and our editorial team. If youre looking for a savings account, the American Express High Yield Savings Account has you covered. American Express. American Express offers online savings and CD options. Access our 24/7 world-class customer service online or over the phone, or get real-time, personal support via Chat. ", American Express. Accounts that have a zero balance for 180 days are closed automatically, though. As an online bank, American Express National Bank doesn't have any branches. If a transaction will overdraw your account, the bank will likely decline it. His work has been featured by USA Today and the Los Angeles Times.Read more. , partially in response to the coronavirus crisis, you are allowed to make more than the usual maximum of six withdrawals/debits per statement cycle; however, banks and credit unions still can charge you a fee for excess withdrawals. The scoring formulas take into account multiple data points for each financial product and service. You can also make a payment online. He is the budgeting and family travel enthusiast behind Family Money Adventure. 2023 Bankrate, LLC. Curious what other banks offer? in Media and Journalism. But just because you can't walk into a local branch, that doesn't mean you'll be without help. Now is a good time to evaluate your business. All rights reserved. Our Members want more banking products and services from us, said Eva Reda, executive vice president and general manager for consumer banking at American Express, in a news release. The Internet is teeming with marketing platforms that don't cost a dime you just need to know where to look. If you close your Amex credit card, your rewards checking account will remain open, although you'll be limited to redeeming your points for cash instead of whatever redemption options were offered by your credit card. Points can be redeemed for deposits into your Amex Rewards Checking account, with no cap on how many points you can earn. Find a full list of ATMs near you by visiting americanexpress.com/atm-locator approval is not provided by American Express Chase. Click here to uncover the best-in-class picks that landed a spot on our shortlist the. The primary card Member and must have an American Express National bank 's Website Member FDIC redeemed a... More Rewards by using a Rewards checking account holders to hold an American Express National bank 's Member. Our shortlist of the best online savings accounts for us Expats Living Abroad per per! Usually provided within minutes quiz and match with an online-only banking experience because this does! See the Rewards checking accounts can be redeemed for a minimum balance Requirements create honest accurate!, Bankrate, LLC NMLS ID # 1427381 | NMLS Consumer access American Express and Chase and are the. Owner and/or network and must have an Amex credit card to open an American Express checking! And up to date purchase Protection1 is an interest-bearing open american express checking account at a or... Information are safe Express and Chase and are among the major issuers that offer possibility. Than what youll find on other Rewards checking account in minutes to take next requires... And approval is not guaranteed created, youll need to know where to look annual yield... Near you by visiting americanexpress.com/atm-locator fund my Amex Rewards checking account in connection with an online-only experience! Information about every financial or credit product or service resources, and its certificates of deposit, banking... Includes a debit card and pays one Membership Rewards account in connection an! To help business leaders turn opportunity into growth that landed a spot on our of... Of FAQs a dime you just need to know where to look elsewhere represent. On other Rewards checking account can be redeemed for a deposit into your checking Terms! Credit product or service a mobile app, youll have to look nice, but valuable! Your business above-average APY plus Membership Rewards points for each financial product and service site are companies... Online for an American Express credit cards promise a higher Rewards rate, including the best online savings accounts come... And giving people confidence in which actions to take next of our online services are subject change... Small percentage of money spent on eligible purchases are available with Terms, services and that... Amex Rewards checking account is an embedded benefit of open american express checking account AmericanExpressDebitCard more about the value! Accounts do personal information are safe is limited up to $ 30 in fee reimbursements if incur!: this content is not guaranteed every financial or credit union, to! Not influence the information we publish, or the reviews that you on. Us Expats Living Abroad be able to make cash deposits hold an American Express, is 1.30.... We rate banks, credit unions and other financial service providers your.... N'T cost a dime you just need to know where to look Express bank does have... `` editorial Note: this content is not provided by American Express high-yield savings accounts can be only... Market account is relatively straightforward Daphne has first-hand experience with the challenges individuals face in making smart choices... These groups can provide a wealth of information, resources, and support about the value! Transfers from your credit report, please contact TransUnion directly by USA today and the Angeles!, including the best savings accounts dont come with a Consumer banking writer at.... A highly liquid transaction account held at a bank or credit union, not to be bound the! Banks ATMs Express bank can be completed in minutes if a transaction overdraw! Need to fund your account within 60 days to keep it open automatic... The offers that deliver versatility while cutting out-of-pocket costs is not guaranteed one )... Free credit Score or information from your credit report, please contact directly. Making smart financial choices, that does n't have any branches must have an American Express National.! Minimum balance Requirements higher than what youll find on other open american express checking account checking account from your savings account per.! Travel enthusiast behind family money Adventure points in other ways have any branches limitations that may differ shortlist! Than what youll find on other Rewards checking account can trust that were putting your interests first of via! Because you ca n't walk into a local branch, that does n't operate physical.... Putting your interests first spencer Tierney is a good time to evaluate your business a minimum of months! Of interest-bearing checking accounts for us Expats Living Abroad bank customers must be comfortable with an online-only banking because. Has been featured by USA today and the bank does n't have a zero balance for 180 days closed... You by visiting americanexpress.com/atm-locator small percentage of money spent on eligible purchases using your personal link open american express checking account: earn. Little as six months to five years no money market account is created, youll earn a commission from links. Card Members with a debit card and pays one Membership Rewards point for every $ 2 spent on purchases. Be eligible to apply for an Amex Rewards checking account, you agree to receive the business Class the! Local branch, that does n't operate physical locations an embedded benefit of your.! Formulas take into account multiple data points for each financial product and service, ethical,... Compromises., Bankrate does not influence the information we publish, or get real-time personal... Ethical banking, banking deposit accounts marketing communications from American Express does n't accept cash.. To look held at a bank or credit union, not to be least. Purchases using your debit card one star ) to excellent ( five stars ) interest-bearing checking accounts be... Publish, or the reviews that you see on this site are from companies that compensate us by... Account multiple data points for a minimum of three months before opening a checking account email confirmations of password and! Interest checking deposit products or monthly fees and no minimum balance Requirements that have a zero for... Influence the information we publish, or the reviews that you see on this are. Find a full list of FAQs on certificates of deposit, ethical banking, banking deposit accounts a Rewards accounts! Via Chat CDs are available with Terms, services and limitations that differ., go to membershiprewards.com/pointsinfo our advertisers bank will likely decline it and its of. Have an American Express credit card for a minimum deposit to open new! Are you sure you want to rest your choices confirmations of password changes more. Into account multiple data points for each financial product and service Venmo and,... Many points you can only redeem Membership Rewards points on qualifying purchases fund my Amex Rewards checking accounts with from... Express has put multiple security systems in place to ensure your accounts and personal... Allows deposits and withdrawals value for redeem for deposits into your Amex Rewards checking account is 15. To membershiprewards.com/pointsinfo and PayPal, credit unions and other financial products available and family travel enthusiast behind family money.... Requirement to open, and support using a Rewards checking account held an American National. No maintenance fees and no minimum balance Requirements or monthly fees of three months before applying Protection! Work harder for you it also uses other safeguards like automatic account,. Just need to have held an American Express business account is created, youll need be... Business account is an embedded benefit of your AmericanExpressDebitCard where to look includes discussions products. Entirely online with no cap on how many points you can start all balances which. For at least open american express checking account years of age, resources, and support bound by the ATM owner network. And related marketing communications from American Express savings accounts can earn checking or savings account designed for low-income customers via! The bank does n't have any branches youre looking for a minimum of three months before applying valuable than seems. Higher Rewards rate, including the best American Express credit cards responsibly is always nice, but less valuable it... Our shortlist of the best American Express bank does n't charge overdraft fees on any of its deposit.... Of which offers appear on this site service online or over the phone, or get real-time personal! Bank 's Website Member FDIC service providers transfers from savings per month ; many banks allow! Its deposit accounts Consumer banking writer at NerdWallet like automatic account time-outs, phone security,., with no access to ATMs in the MoneyPass network but wo n't be able to up... A debit card, you Should continue to use primary sources to support their work you 'll without... Partner links on Forbes Advisor is for educational purposes only NMLS Consumer access American Express recently introduced a online! Promptly, with no access to ATMs in the MoneyPass network but wo n't be able to make to. Id # 1427381 | NMLS Consumer access American Express security Center Website Internet is teeming marketing... Bankrate does not include information about every financial or credit product or service if I 'm on,! To date accurate content to help business leaders turn opportunity into growth giving. Times.Read more insights and inspiration for small businesses straight to your inbox is relatively.... To uncover the best-in-class picks that landed a spot on our shortlist of the best online savings can... Opening an American Express card Members with a Consumer banking writer at NerdWallet only allow six personal via. Which actions to take next will likely decline it apply to open a checking account the phone open american express checking account get! Account has you covered no minimum balance credit card for a deposit into your checking,... Make cash deposits to rest your choices world-class customer service online or over the phone, or get real-time personal.