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Ready for a new business checking account? American Express National Bank (Member FDIC) (Member FDIC) has you covered. Read on for a deep dive into a valuable American Express National Bank (Member FDIC) promotion.
American Express® Business Checking
Amex is, well, Amex. The bank and card issuer is known for some of the best customer service around. American Express offers an online-only business checking account with a very competitive APY (annual percentage yield) and the ability to earn Membership Rewards® points on debit card purchases.
How you earn it:
How you qualify: You won't be eligible to earn this bank bonus if you open an account for a business that currently has it or has had an American Express® Business Checking account before.
Where to open an account: Hop on over to Amex's website to open this account.
Monthly fees: The American Express® Business Checking account has no monthly maintenance fees.
Offer expires: No expiration date.
Not only must you have never had an American Express® Business Checking account before, but you also must have an open account at the time of fulfillment. So if you close the bank account after making the necessary deposits and maintaining the balance required, you might not receive the Membership Rewards points. Also note that American Express National Bank (Member FDIC) won't fulfill the bonus if you are found to have misused the account or "gamed" the requirements.
American Express® Business Checking is one of our favorite free business checking accounts. The lack of a monthly maintenance fee and 1.30% APY make it a good choice for small business owners wanting to earn interest on their cash.
Amex Membership Rewards points offer some of the best value out there. They can be redeemed for travel, gift cards, cash back, and even paying for purchases. So yes, if you can meet the requirements of the promotion, receiving 30,000 bonus Membership Rewards points linked to your checking account could be worth it for you.
American Express® High Yield Savings Account
On American Express's Secure Website.
On American Express's Secure Website.
American Express High Yield Savings may not have the highest APY on our list, but it still offers a rate well above average and requires no minimum deposit to open for the highest APY². It's a good fit for those who want to save at a competitive rate while avoiding withdrawal limits or minimum balance requirements.
Open an American Express® High Yield Savings Account Account
¹The Annual Percentage Yield (APY) as advertised is accurate as of November 22, 2025. Interest rate and APY are subject to change at any time without notice before and after a High Yield Savings Account is opened. Interest Rate and APY of a Certificate of Deposit account is fixed once the account is funded.
²There is no minimum balance required to open your Account, to avoid being charged a fee, or to obtain the Annual Percentage Yield (APY) disclosed to you.
³iOS and Android only. See app store listings for operating system info.
⁴For purposes of transferring funds to or from an external bank, business days are Monday through Friday, excluding federal holidays. Transfers can be initiated 24/7 via the website or phone, but any transfers initiated after 7:00 PM Eastern Time or on non-business days will begin processing on the next business day. Funds deposited into your account may be subject to holds. See the Funds Availability section of your Consumer Deposit Account Agreement and Savings Schedules for more information.
Our methodology for scoring banks and credit unions revolves around evaluating key aspects such as annual percentage yield (APY), brand reputation, fees and minimum requirements, and additional perks.
These criteria are weighted differently across various account types, ensuring a comprehensive assessment that reflects the competitive landscape and economic conditions.
We strictly feature products that offer federal insurance and high customer satisfaction, keeping our recommendations unbiased by advertiser influence. This robust evaluation process helps us generate balanced, reliable best-of lists that guide consumers to top financial products.
Learn more about how Motley Fool Money rates bank accounts.
Our methodology for scoring banks and credit unions revolves around evaluating key aspects such as annual percentage yield (APY), brand reputation, fees and minimum requirements, and additional perks.
These criteria are weighted differently across various account types, ensuring a comprehensive assessment that reflects the competitive landscape and economic conditions.
We strictly feature products that offer federal insurance and high customer satisfaction, keeping our recommendations unbiased by advertiser influence. This robust evaluation process helps us generate balanced, reliable best-of lists that guide consumers to top financial products.
Learn more about how Motley Fool Money rates bank accounts.
For this bonus, you'd need to make the qualifying deposits within 30 days, then maintain your account balance at $5,000 and make five eligible transactions within 60 days. So that's 60 days already. After the 60 days have passed, it will take American Express National Bank (Member FDIC) eight to 12 weeks to award your 30,000 Membership Rewards points. So the minimum amount of time you might wait is approximately 17 weeks.
This bonus is only available for new account holders who've never had an American Express® Business Checking account before. So for this bonus, just once. But Amex may occasionally offer promotions for existing or former account holders, so check back here for more details.
