Membership Rewards ® Program for Checking and Debit When you open an American Express ® Rewards Checking Account you will also receive a Membership Rewards ® Account (a Rewards Account), in which you will earn one Membership Rewards point for every two dollars of eligible Debit Card purchases. Digital Wallet Digital wallets are Apple Pay ® and Google Pay™. Contactless Payments Contactless payments are accepted at participating merchants only. Visit for Terms and Conditions and to find participating ATMs in the U.S. American Express does not accept ATM cash deposits into your Rewards Checking account at this time. American Express applies foreign exchange fees to withdrawals in foreign currencies. Access to ATMs outside of the MoneyPass ® network are subject to fees by the ATM owner and/or network. ATM Withdrawals At MoneyPass ® locations in the U.S., you can withdraw cash and get account information with no fee.

See app store listings for operating system info. American Express ® App iOS and Android only. This national deposit rate reflects APY paid on a variety of interest-bearing checking accounts with terms, services and limitations that may differ. FDIC national rate is calculated as the simple average of interest rates paid by US FDIC-insured depository institutions and branches for which data is available. APY rate compared to national deposit rate from the FDIC's published Monthly Rate Information for Interest Checking deposit products. Please see the Rewards Checking Account Terms for additional terms and Truth-in-Savings disclosures. APY is subject to change at any time without notice before and after a Rewards Checking Account is opened. † Terms and Conditions Annual Percentage Yield (APY) The Annual Percentage Yield (APY) as advertised is accurate as of.

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