American Express Rewards Checking

$20 a year for an everyday customer. No monthly fee. No minimum to open.

Checked Nov 8, 2026Updated Nov 8, 2026

A year, everyday customer: $20
APY: Receipt · APYChecked Nov 8, 2026
Issuer document · americanexpress.com · PDF
The source states this figure; we have no exact sentence on file yet.
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Monthly fee: Receipt · Monthly feeChecked Nov 8, 2026
Issuer document · americanexpress.com · PDF
The source states this figure; we have no exact sentence on file yet.
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To open: Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · americanexpress.com
The source states this figure; we have no exact sentence on file yet.
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Offer

Bonus

$300

$7,500 in direct deposits within 90 days. About $2,500 a month for 3 months.

American Express Rewards Checking · American Express National · for new customers

Ends Feb 1, 2027Meet it within 90 daysNew customers only

“Open your first American Express Rewards Checking Account in your name by 02/01/2027, subject to approval, and have a total of $7,500 or more of Qualifying Direct Deposit(s) posted to the account within the first 90 days of account opening.”The bank’s page, checked Nov 8, 2026

Can you meet it? The bank bonus finder All bank bonuses

Against the market

How it ranks

#6of 1043 checking accounts, by a year’s value for an everyday customer

All 1043 checking accounts, ranked

Features

Bill pay
Check writing
Contactless card
Debit card
Debit rewards
Free external transfers
Interest bearing
Joint accounts
Live chat
Mobile check deposit
Mobile wallet
No minimum balance
No overdraft fees
Online opening
Support 24/7
Zelle

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

In the bank’s words

Terms

Rate conditions

Balance needed for the APY: $0americanexpress.com, checked Nov 8, 2026
Interest compounds: dailyamericanexpress.com, checked Nov 8, 2026

Fees

Monthly fee: Noneamericanexpress.com, checked Nov 8, 2026
Minimum to open: Noneamericanexpress.com, checked Nov 8, 2026
Overdraft fee: Noneamericanexpress.com, checked Nov 8, 2026
Returned item (NSF) fee: Noneamericanexpress.com, checked Nov 8, 2026
ATM network: Allpoint and MoneyPassamericanexpress.com, checked Nov 8, 2026
ATMs in the network: 70,000americanexpress.com, checked Nov 8, 2026
Out-of-network ATM fee: Noneamericanexpress.com, checked Nov 8, 2026
Foreign transaction fee (debit card): 2.7%americanexpress.com, checked Nov 8, 2026
Incoming domestic wire: Noneamericanexpress.com, checked Nov 8, 2026
Outgoing domestic wire: $20americanexpress.com, checked Nov 8, 2026
Incoming international wire: Noneamericanexpress.com, checked Nov 8, 2026
Outgoing international wire: $20americanexpress.com, checked Nov 8, 2026
Early closure fee: Noneamericanexpress.com, checked Nov 8, 2026
Card replacement: Noneamericanexpress.com, checked Nov 8, 2026

Who can open it

Where: Anywhere in the USamericanexpress.com, checked Nov 8, 2026
Minimum age: 18americanexpress.com, checked Nov 8, 2026

FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.

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