Applying for an American Express Rewards Checking account can be completed in minutes. We are currently accepting applications from Card Members with a U.S. Basic Consumer Card issued by American Express National Bank (AENB) with at least 5 days tenure. We may also accept applications from Additional Card Members on a U.S. Basic Consumer Card issued by AENB, Customers with an existing High Yield Savings Account and CD with at least 5 days of tenure who are not existing US Basic Card Members. Submitted applications will be reviewed promptly with decisions that can be provided within minutes.

Once your application is approved, you can start managing your American Express Cards and Amex Rewards Checking account all in one place 24/7. After logging into your account in the American Express App or online, you can view your account balance and recent transactions, track Membership Rewards points, manage account settings and more.

After your account is created, you’ll need to fund your account within 60 days to keep it open. Your available options include:Making a deposit online: After linking one of your other bank accounts, you can enable an online transfer into your Amex Rewards Checking account.Setting up direct deposit: Use your routing and account number provided on your Amex Rewards Checking account home page to set up direct deposit directly into your checking account.Using mobile check deposit: You can deposit a check quickly right from your mobile device using the American Express App. Available on iOS and And