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Welcome to American Express® REWARDS CHECKING

Earn a competitive APY on your balance with no monthly account fees,† plus earn Membership Rewards® points on eligible Debit Card purchases.†

If you already have a Membership Rewards-enrolled Product, you can choose to redeem points the same way you always have. If you’re new to the Membership Rewards Program, the points you earn can be redeemed for limited options.†

GET STARTED

Fund your account
Fund your account and begin earning interest on your balance. American Express® Rewards Checking helps build your account balance with 1.00% APY.†
Set up your Debit Card
Activate your American Express® Debit Card and set up a PIN. Then you’ll be ready to use it for purchases and conveniently access ATMs.
Spend and earn
Get rewards on eligible Debit Card purchases.†

Checking with peace of mind

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Checking with peace of mind

Your American Express® Rewards Checking account was created to help serve you. Use your account with confidence, knowing we’ve got you covered.

Chat with us

Speak or chat with a Customer Care Professional at any time. Our team is here to help.

Spending with peace of mind

Spend confidently with the backing of 24/7 Fraud monitoring, and rest assured that with Zero Liability Fraud Protection, you won't be held responsible for fraudulent charges on your Debit Card that you report promptly.†

Stay connected

Keep control of your account, with access to digital tools all within the American Express® app.†

You share your life, now share your account

You share your life, now share your account

Whether you split rent, utilities, or groceries, you can easily manage shared expenses together with a jointly owned American Express® Rewards Checking account.† It’s easy to add a joint account owner.

Invite a Joint Owner

Who can be joint account owner?

To learn more about joint owner eligibility, please visit our FAQ page.

Don't live life without it.