The American Express Checking Account is the digital checking account offered by the well-known credit card issuer. Designed for consumers looking for convenience in their daily financial routines, the account combines modern features with exclusive perks, such as cashback on debit purchases and no monthly maintenance fees.
Available to eligible American Express customers, it provides a streamlined, fully online banking experience focused on rewards and security. Here’s what you need to know about this service.
Key Features
The American Express digital account stands out by bringing together the best of the credit card world with the ease of a checking account. Check out the main features:
No monthly maintenance fees
- 1.00% cashback on purchases made with the debit card linked to the account
- Access to over 37,000 fee-free ATMs through the MoneyPass network
- Integration with Zelle for fast transfers between U.S. accounts
- Full-featured mobile app with balance management, deposits, and bill pay
The account also includes 24/7 customer support and is available only to U.S. residents with an existing relationship with American Express, reinforcing its exclusive nature.
Top Benefits
Besides having no fees and offering a rewards system, the American Express Checking Account brings several other advantages:
- Real-time rewards on each eligible debit purchase
- Fraud protection and Amex security technology
- Mobile check deposit through the app
- Easy transfers with Zelle
- No minimum balance required
This account is especially beneficial for those who already use Amex products and want to manage all their finances in one place.
