How to Open an Amex Business Checking Account (WATCH ME APPLY!)

How to Open an Amex Business Checking Account (WATCH ME APPLY!)


Although best known for their credit cards and charge cards, Amex did a great job entering the business banking product space. The American Express Business Checking account is an EXCELLENT digital product that currently offers the following benefits:

- Limited Time Offer: Earn 60,000 Amex Membership Rewards points after qualifying activities (apply before 1.03.2022)

- 1.3% APY on balances up to $500,000

- No minimum balance requirement

- No monthly maintenance fees

- 24/7 support

In today’s world, it’s rather hard to find checking accounts that (a) don’t charge you a bunch of fees - or require you to do certain activities to waive them - and (b) don’t have minimum balance requirements - whereby if you don’t meet them, you’ll be charged even more fees.

❓QUESTION: What do I need to open an Amex business checking account?

👉 ANSWER: In order to open American Express Business Checking, you will need: 

- Your Employee Identification Number (EIN) or Taxpayer Identification Number (TIN)

- Your Articles of Organization or a Certificate of Formation (Amex lists this as a requirement, although I did not have to provide it during the application process. Good to have it nonetheless in case they do ask)

- Information from a Driver’s License, State I.D., or Passport for each owner 

- A Social Security Number (SSN) and ID verification for any Beneficial Owner with ownership of 25% or more 

- A “Doing Business As” (DBA) certificate only if your business operates under more than one name 

- A U.S. business address 

- Information about your industry, size, and the purpose of your account

How to Open an Amex Business Checking Account (WATCH ME APPLY!)