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American Express vs Betterment checking

American Express and Betterment checking side by side: fees, minimums, interest, ATMs and overdraft.

APY

American Express: 1.00% APY, no minimum balance to earn
Betterment: No checking APY stated

Monthly fee

American Express: $0
Betterment: $0

Min to open

American Express: $0
Betterment: not found

Min balance

American Express: $0
Betterment: $0

ATMs

American Express: No fee at Allpoint and MoneyPass ATMs in the U.S.
Betterment: ATM fees reimbursed worldwide

Overdraft

American Express: not found
Betterment: No overdraft fees

Sources: American Express, Betterment (2026-10-12).

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FAQ

Which pays more interest on checking, American Express or Betterment?

American Express has the higher stated top-tier APY as of 2026-10-12.

Where do these rates come from?

Each rate is read from the bank's own public page on the date shown and linked. Rates change often: confirm on the bank's site before opening. Not financial advice.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.