{"account":{"slug":"amex-business-checking","bank":"American Express","name":"Business Checking"},"status":"recent","lastVerified":"2026-10-23","officialSource":"https://www.americanexpress.com/en-us/business/banking/","history":[{"date":"2026-06-11","apy":"1.3% on balances up to $500,000","monthlyFee":"$0","minimumOpen":"None","note":"Legacy snapshot before event-level evidence attachments"},{"date":"2026-09-04","apy":"1.30% on balances up to $500,000; no interest above $500,000","monthlyFee":"$0","minimumOpen":"None","atm":"Fee-free withdrawals at 70,000+ Allpoint and MoneyPass ATMs; no ATM cash deposits","note":"Reconfirmed APY, fees, ATM access, cash-deposit limitation, wire pricing, and the current 30,000-point welcome offer","sourceUrl":"https://www.americanexpress.com/en-us/banking/business/checking-account/agreement/rates-and-fees/","sourceLabel":"American Express Business Checking rates, fees, and offer terms"},{"date":"2026-10-23","apy":"1.00% APY on balances up to $500,000; variable, with no interest on the portion above $500,000","monthlyFee":"$0 monthly maintenance fee; transaction and third-party fees can apply","minimumOpen":"$0; fund within 120 days to keep the account open","atm":"No fee at participating U.S. Allpoint and MoneyPass ATMs, with 70,000+ locations advertised. Other operators may charge, withdrawal limits apply, and foreign-currency transactions carry a 2.7% fee. ATM cash deposits are not supported.","note":"Verified 1.00% APY using the live public rate service. Updated published standard offer to 35,000 points; corrected blanket multi-owner exclusion and clarified fees, rewards redemption and team access.","sourceUrl":"https://www.americanexpress.com/en-us/banking/business/deposit-account/agreement/checking-account/rates-and-fees","sourceLabel":"American Express current checking rate and offer disclosures"}],"verificationEvents":[{"id":"5796ec02-82e3-48ac-b0f0-1d284fb9e448","entityType":"bank-account","slug":"amex-business-checking","checkedAt":"2026-10-23T16:06:20.842Z","recordedAt":"2026-10-23T16:06:20.843Z","sourceUrl":"https://www.americanexpress.com/en-us/banking/business/deposit-account/agreement/checking-account/rates-and-fees","sourceLabel":"American Express current rate and offer disclosures","outcome":"changed","summary":"Live public rate service verifies 1.00% APY. Current terms list 35,000 points with separate deposit/balance/transaction tests. Corrected multi-owner exclusion and explained redemption value, team access, fees and insurance.","changedFields":["tagline","apy","monthlyFee","minimumOpen","fdic","features","atm","pros","cons","ourTake","bestFor","url","termHistory","lastVerified","relatedAccountSlugs","sections","editorialReview"],"previousHash":"02113dd05116a8a9f86250accbc69b7799deb4a0b5475a9c397cafd8072d1ba5","recordHash":"3856503d74d60f9e1aa263c1001acde9ee0a3686a49b0ba560805917c4500fe9"},{"id":"14208514-51dd-4b47-91e9-22eb44cb6d13","entityType":"bank-account","slug":"amex-business-checking","checkedAt":"2026-09-04T00:00:00.000Z","recordedAt":"2026-09-05T01:58:53.052Z","sourceUrl":"https://www.americanexpress.com/en-us/banking/business/checking-account/agreement/rates-and-fees/","sourceLabel":"American Express Business Checking rates, fees, and offer terms","outcome":"changed","summary":"Reconfirmed 1.30% APY through ,000 and added wire, foreign-transaction, ATM cash-deposit, and 30,000-point offer details","changedFields":["features","cons","termHistory","lastVerified"],"facts":{"apy":"1.30% through $500,000","monthlyFee":"$0","minimumOpen":"None","welcomeOfferPoints":30000},"previousHash":"07af010bf02d623cef64cd82999e7e2a10961893e6693763bc8c28b11904cdd4","recordHash":"8a7bcb78834f32650fb6f9f8d3d972a932e0ba3880082ed5aaf91ed8ea796e47"},{"id":"5cfa0fd2-c19b-4368-94ac-5e56224b7506","entityType":"bank-account","slug":"amex-business-checking","checkedAt":"2026-09-04T00:00:00.000Z","recordedAt":"2026-09-05T01:59:09.888Z","sourceUrl":"https://www.americanexpress.com/en-us/banking/business/checking-account/agreement/rates-and-fees/","sourceLabel":"American Express Business Checking rates, fees, and offer terms","outcome":"confirmed","summary":"Correction to prior summary: 1.30% APY applies through $500,000; wire, foreign-transaction, ATM cash-deposit, and 30,000-point offer details confirmed","changedFields":["summary"],"facts":{"apy":"1.30% through $500,000","monthlyFee":"$0","minimumOpen":"None","welcomeOfferPoints":30000},"previousHash":"070eed577dd3f7c8b503213a5672c6c8839ced6feac1d28a13dbc7428284f4e9","recordHash":"f67aa43358bc97701952d66e5e5081fe8742c785cf1d5e479b834eb69a2749c3"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}