Business Checking review · Updated October 2026

American Express® Business Checking Review (2026)

Online business checking from American Express.

Reviewed by our editorial team · How we rank · Advertising disclosure

The short version

No monthly fee, interest on large balances and around-the-clock support. On our business checking comparison, it's labeled Best for rewards.

Key facts

Monthly fee$0
InterestYes
Cash depositsNo
BranchesNo

What stands out

  • No monthly fee
  • Interest on balances up to $500,000
  • 24/7 customer support

Pros and cons

Pros

  • No monthly fee
  • Round-the-clock support

Cons

  • No cash deposits

How American Express® Business Checking compares

Side-by-side comparison

Bluevine Business Checking
Chase Business Complete Banking®
American Express® Business Checking
Trustpilot rating
4.7
Trustpilot · 11,587 reviews
––
Monthly fee$0$15 (waivable)$0
InterestYesNoYes
Cash depositsFee appliesYes, at branchesNo
BranchesNoYesNo
Visit siteVisit siteVisit site

Head-to-head comparisons

Alternatives to consider

What to check before you sign up

Whichever business checking provider you choose, compare these points:

  • Monthly maintenance fee. Many accounts waive the fee with a minimum balance. Online banks often have no monthly fee at all.
  • Free transactions. Check how many transactions and how much cash deposit volume are included each month.
  • Cash deposits. Online-only banks may charge for cash deposits or route them through retail partners.
  • Integrations. Look for invoicing, accounting software connections and enough user seats for your team.

See business checking providers that serve your ZIP code.

Compare Business Checking

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