Amex Business Checking review

Amex Business Checking suits owners who already collect Membership Rewards points. The account has no monthly fees and no minimum balance requirement, and eligible Business Debit Card purchases earn 1 Membership Rewards point for every $2 spent. Points can be converted into deposits made directly into the checking account or moved to travel partners, and Business Platinum Card members get an elevated rate when both accounts share a Rewards Account. Balances up to $500K earn interest that compounds daily; the rate is shown on the vendor page and changes over time. Payments run through the Amex App with Zelle, ACH, same day ACH and wires, checks can be deposited by photo, and cash can be withdrawn fee-free at more than 70,000 Allpoint and MoneyPass ATMs. American Express offers 24/7 support from specialists. It has fewer built-in finance tools than Mercury, Relay or Bluevine, with no invoicing or bill approval features highlighted, and there are no branches for cash deposits.

Who it is for

Owners who already use American Express cards and want to earn Membership Rewards points on debit spend.

Price

Free: no monthly fees and no minimum balance requirement.

No minimum balance requirement or monthly fees.
Quoted from the vendor pricing page on November 12, 2026.

Key features

• No minimum balance requirement or monthly fees
• Earn 1 Membership Rewards point for every $2 spent on eligible Business Debit Card purchases
• Interest on balances up to $500K, compounded daily
• Zelle, ACH, same day ACH and wires from the Amex App
• Fee-free withdrawals at more than 70,000 Allpoint and MoneyPass ATMs

Strengths and weaknesses

• Strength: Debit card spend earns Membership Rewards points
• Strength: 24/7 support from specialists
• Strength: Points can be converted into deposits to the checking account
• Weakness: Interest applies only to balances up to $500K
• Weakness: No branches for cash deposits
• Weakness: Fewer invoicing and bill pay tools than fintech platforms

Key facts

• Monthly fee: $0
• Rewards: 1 point per $2 on eligible debit purchases
• ATMs: 70,000+ Allpoint and MoneyPass

Where it ranks

Amex Business Checking is No. 6 in our Best Business Bank Accounts verdict.