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Is American Express a good checking account?

What American Express checking costs and pays, read from the bank's own page. Use Compare below to see it next to another bank.

The facts: monthly fee $0, minimum to open $0, APY 1.00% APY, no minimum balance to earn (#2 of 9 interest-paying accounts we track).

Account

Rewards Checking

Minimum balance

$0

ATMs

No fee at Allpoint and MoneyPass ATMs in the U.S.

Overdraft

not found

Source

bank page (2026-10-12)

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FAQ

Does American Express checking have fees?

Monthly fee: $0; overdraft: not found (per the bank's page, 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.