# Amex Business Checking — user reviews > 56 indexed App Store user reviews of Amex Business Checking by American Express, rated 2.34/5 from 119 ratings. - Source: https://appshunter.io/ios/app/amex-business-checking/id1541379895/reviews - App overview in markdown: https://appshunter.io/ios/app/amex-business-checking/id1541379895.md - Rating breakdown: 5★ 25 · 4★ 7 · 3★ 11 · 2★ 16 · 1★ 60 ## Newest reviews (15 of 56) ### 2/5 — Shouldn’t have to be a separate application *2023-02-08, version 1.14.1* Can we integrate the business checking app with the standard amex app to have everything in one place? ### 1/5 — What a mistake I made by opening this account! *2023-02-02, version 1.14.1* The worst app I ever, the transfer page doesn’t work, it only has a white screen that says page not found for days and they also don’t have Zelle. So you put your money there it will stay there. ### 1/5 — Doesn’t work *2023-01-27, version 1.14.1* Imagine owning a massive company and can’t even make a decent app to use. Seriously consider firing whoever is in charge of this project ### 1/5 — Unable to log in *2023-01-25, version 1.14.1* Unable to log in. I see this is also a problem for others. ### 1/5 — Aweful *2023-01-20, version 1.14.0* I have never needed to right a bad review about an app. Can’t take a photo of a deposit. Tried for two days since they put out the most recent app. Called the customer service many times. You would think they would of made sure that deposits could be made on an online only app! Time to get an entirely new IT department AmEx Business Checking!!! ### 1/5 — Cannot deposit checks suddenly. *2023-01-18, version 1.14.0* The app will not allow me to take a picture of the check. The image is rotated. Sometimes you can manually take the photo; however, I receive an error making the deposit. Useless app ### 1/5 — Horrible app. At least it’s free? *2023-01-15, version 1.13.1* Have an issue depositing a check? Delete the app and reinstall. Have an issue seeing checking account balance? Delete the app and reinstall. Have an issue in general regardless of what it is in the app? Delete the app and reinstall. Only thing keeping me around is the interest on the checks I finally receive after having to mail them in. ### 1/5 — Always not working!!! *2023-01-12, version 1.13.1* I downloaded it for two months already. It worked for the first few days but then it never worked. No matter you restart the phone or delete the app and reinstall. Nothing works! I contacted the customer service and they can’t help me either! So weird! I guess I will just cancel this account!! ### 2/5 — Kinks and More Kinks *2023-01-02, version 1.13.1* I’ve had about 2 months with this account now and a smidge frustrated. The lack of QBO integration is mindless. Why would they even consider launching without this to begin with. They should have a warning about this at signup to be transparent. I had to cancel a payroll subscription with a company because they could not use Amex business checking for processing my payroll. I am pretty uncertain of their mobile check deposits so for now I am still putting them into my local bank and making ACH transfers so I can reap some okay interest rate. Why does my personal account have a 3+% interest rate and this account is less than half of that? Overall the customer service has been great but their systems move like molasses. ### 1/5 — Unusable Remote Deposit *2022-12-13, version 1.13.1* I switched from a local bank to Amex to take advantage of their interest rates. As an unforeseen consequence of using an online bank, most of the health insurers that pay me as a medical provider won’t direct deposit to this account. This means payments now come as a check and this would be a small price to pay for interest if the remote capture worked. It doesn’t. It frequently says it can’t detect my endorsement or finds a mismatch in printed versus written amounts when there is no mismatch. And with no physical branch this becomes a problem. I expect more from American Express. ### 1/5 — Doesn’t seem to be able to carry out basic functionality like depositing checks *2022-12-09, version 1.13.1* Just got this account. One check did manage to go through and be deposited but each subsequent one has been rejected with no reason listed. The software on one didn’t seem to recognize the amount listed as the correct amount (it definitely matched). I’m glad our business is using this as a separate savings account and not for anything critical. ### 1/5 — Junkie *2022-11-28, version 1.13.1* I can’t get past the verification screen. Crashes every time. ### 1/5 — Should’ve trusted reviews - This is not AmEx Level quality *2022-11-18, version 1.13.1* I was enticed by AmEx to open Business Checking due to long-standing card relationships which I’ve always valued. This is NOT the AmEx I’ve come to know and value. I tell myself, this has to be a 3rd party using AmEx name/brand. Avoid! I opened a biz account with over $5k in Sept. Acct was funded by an external existing account that I linked and verified thru AmEx process. Paid some bills along the way. Balance never dropped below $5k. On 11/11, I submitted an external transfer of $590 from my AmEx account to the linked, verified, external account. My balance still remaining above $5k post-transfer request. On 11/18, ONE WEEK LATER, this small external ACH transfer was still pending. When I called I was told “we had an error and didn’t discover it for a few days (11/15) and none of those went through.” I asked why they didn’t re-send and they said “we can’t do that.” I asked why I wasn’t called, emailed, texted…notified in some way, I was told “a message is being drafted today (one week later) that will go out later.” I asked if I re-submit request when would it go through. I was told “1-2 business days.” This assumes no other delays, if so, it could be another week and a half because the next 2 days are the weekend and next week is Thanksgiving holiday. Whoever is operating this institution is violating Reg CC guidelines, is falsely representing ACH transfers and is holding individuals/businesses funds and tying them up for their gain. Buyer Beware and steer clear! ### 1/5 — Online Bank Checks are not Accepted from other Banks *2022-10-24, version 1.13.0* Some clients of ours issue personal checks through their online bill pay system. Some banks send these checks without signatures, instead it reads “signature on file”(TD bank, M and T, Webster etc…). Amex will not deposit these checks, you will need to discuss this at the issuing bank and they will explain that they’ve never heard of this restriction before. In addition to checks not being deposited, our company has also had issues getting timely notifications delivered of the denied deposits. As of August, they cannot email deposit notifications to some private email addresses(including ours), therefore we receive hundreds of paper deposit tickets mailed to us every month. Furthermore as previously mentioned in other reviews, you cannot have personal and business checking accounts simultaneously, which slows down transaction time by default. And if you cancel your business checking account, you cannot reopen one ever again under that REIN entity. This is the 3rd month of us holding our account and we are going to transfer to another bank soon. ### 2/5 — Rarely works *2022-10-12, version 1.13.0* I’ve had this account for about a month and I’m not impressed. The rewards tracker is not accurate and the app is more often than not, temporarily unavailable or cannot process your request. Very annoying. ## Most critical reviews (10 lowest-rated) ### 1/5 — Business Checking?? Not anymore *2023-10-20* So now, Amex is doing away with the Business Checking app — which had VERY limited functionality already — and forcing a switch to Business Blueprint. I downloaded this app and it has ZERO BANKING FUNCTIONALITY. I cannot even process a a payment to anyone. There is no payment option on the menu at all. I cannot see upcoming scheduled payments. Is this a joke?! I signed up for this account because Amex is such high quality (on the card side) and I expected the same with banking. This has been a nightmare. I am a small business owner with a marketing/strategy/branding background at the C-level. I am stunned at how schizophrenic the branding is for this product. Is it Business Banking? Cabbage? Blueprint? It’s all over the place. Who is running this business unit? Where is the consumer insight work? I cannot even search my past transactions for tax time to understand what I have paid to what vendors (my expenses). If you haven’t signed up for this account yet — don’t. This product isn’t ready for prime time in any way. ### 1/5 — NOT for Business Banking *2023-08-17* This account and the app are the WORST! Customer Service is Excellent as always with Amex but they are left to put lipstick on a pig. Only the Owner of the account can have the ability to perform transactions. Great if you’re a sole proprietor but anything larger than that makes this account worthless. I own the company and the account. I have a CFO and accounting department to handle all financial transactions. As the CEO, I’m the LAST person that should be responsible for making deposits or payments. Now the app doesn’t allow me to login and no one knows why so it can’t be fixed. Nothing like getting locked out of your own account. Come on AMEX… you’re better than this! ### 1/5 — Disappointing *2023-08-04* Unlike the AmEx credit card app, this app is absolutely useless. Overall I’m disappointed with choosing this bank over others with more helpful robust features. For example, there’s no support chat, no QB integration (!), no Plaid integration, transaction payees are not visible in Account Activity, mobile check deposit is buggy, no integration with Zelle, no savings accounts to pair, and no dedicated desktop login portal. There’s basically zero integration with AmEx credit card accounts besides being able to see balances. I highly doubt I will continue using this bank for long. Take your business to a real bank operating in the modern day. ### 1/5 — No plaid connection and no zellle?!!! *2023-06-15* Wow Amex I own 3 cards with you and thought this would be a great app to use for my business. I can’t send Zelle. I can’t connect to plaid so many things I want to use to run my business smoothly i won’t be able to do with this bank. So many people have complained. They pushed out a bank account before they were ready for to have basic functionality and a good user experience. Now I have to do the dreaded task of opening another account elsewhere after I just moved everything in my business over. Thanks Amex ### 1/5 — Please fix this app *2023-05-03* To Amex: we’re all excited to have the opportunity to have a checking account with you. For almost everyone the app has SSO issues, authentication issues, countless other bugs. Please fix this asap, or else we simply won’t be able to use the checking out. It seems as if you guys have no monthly fees because most people can’t even deposit money into the account because the tech is broken, and it would be unfair to charge people. You’re one of the best companies in the world— come on, let’s be better for the customers. ### 1/5 — No QuickBooks integration *2023-02-21, version 1.14.1* I opened a small business checking account and I would have never ever imagined that you would not provide connectivity to Quickbooks or Quicken. I am now spending many hours downloading transactions and adjusting balances. I should have know better not to go with American Express with small business services. I have reached out to your chat team twice and they say it is a feature they are working on with no expected date for completion. This is embarrassing. You should let small business owners know in big print their accounting will require now more hours because of the their friends at AMEX. ### 1/5 — Is there anything less than 1 star? *2023-02-19, version 1.14.1* Ever since opening an account I have had nothing but problems submitting remote deposits. I use a stamp with exactly the information AMEX requires but constantly run into sub,Ossian problems. Tech support does nothing more than say delete then reinstall the app. Right now, less than half remote deposits I submit make it through and I end up MAILING them to the Salt Lake office. The lack of Android app is another major pain point. I’ve been an account holder for over a year and the problem has never improved. ### 1/5 — Waste of time *2023-02-14, version 1.14.1* Don’t bother with Amex business checking. Mobile app doesn’t work. I’ve been trying to deposit a check All day and now have to get a new one from a vendor since I wrote “mobile deposit only.” Customer service has no solutions, except honoring my account a closure request. 👎 ### 1/5 — La peor app *2023-02-06, version 1.14.1* Malísimo el servicio, al app nunca funciona, NO No tienen personal que hablen español, nunca funciona la app, el peor Banco, debería pagarle al alguien que repare todo el sistema y la atención al cliente. ### 1/5 — Unable to access my account on a browser from a PC *2023-02-03, version 1.14.1* Called support and they could not help. Told me someone may get back to me in a couple of days to help me. Really! Been in business for 30 years and this is one of the worst customer service of any banks. ## Most praised reviews (10 highest-rated) ### 5/5 — Please Bring Back *2023-10-25* Amex Business Checking > Amex Business Blueprint So I was using this app for about a year until it was discontinued and customers were forced to us Blueprint. In my opinion the UI had more of a clean layout and function. You could easily login, see all your accounts, nickname your accts if that’s something you were into, manage all your funds and setup auto transfers between accounts for bill pay. You could even apply and open new accounts directly from the app. The only thing this app didn’t have that Blueprint does is a live ongoing breakdown of business cash flow. Now for me this isn’t really a plus or a con. This wasn’t a feature that I wished for nor is it now a feature that I can’t live with out. With the move to Blueprint all account information is still there but the login information/process didn’t transfer over as seamless as I would like; this is really my only biggest gripe. Honestly, American Express has too many apps. It’s literally an app for each account type you have with them. Really wish Amex would implement a singular app where I could see both business accounts and personal/business cc. ### 5/5 — I’m a big fan of American Express for many years *2023-02-12, version 1.14.1* I was very thrilled to know AMEX open a business checking account. Almost a year with them and not much complains beside that I can’t use it for my broker account to trade stocks. There’s definitely more enhancement to be done like more details about each transaction on the app page without clicking it to see the detail would be great. Over all highly recommended ! ### 5/5 — Perfect app *2022-12-02, version 1.13.1* This app has all the features and security that a business account needs. Easy to use and fast. Just perfect. ### 5/5 — Very Good App *2022-01-31, version 1.4.0* Very fast app it uses Face ID to open the app, what we really want is Zelle integration, Apple Wallet having this would be a very good service, I just open my accounts so will see how it goes in the next couple Months, and yes it’s missing integration on QuickBooks but knowing Amex they will have this add pretty soon, Keep Up The Good Work! ### 5/5 — Rough Edges, Great Concept *2022-01-02, version 1.3.1* Seemingly great business checking for small businesses. Definitely new. The overall UX does need some polish but the app itself seems great (e.g. notification email for transferring funds has a subject written as “You’re transfer has been submitted.” Should be “Your transfer has been submitted.”). ### 4/5 — It’s Better Now *2023-02-02, version 1.14.1* Updating to the latest IOS did not fix my issues with wrong orientations while taking photos to deposit. Then the latest App update came out and now it works quicker and better while depositing checks. Please do not break the app again, it was highly frustrating when it did not work. Overall the Business Checking from Amex is very limited. The account does not show images of the checks that were deposited. ### 4/5 — Great App but… *2022-05-25, version 1.9.0* Fantastic app, works well just like the Amex app but please release this for the Google Play store ASAP. ### 4/5 — It would be great if… *2022-02-01, version 1.4.0* 1) AmEx kept the same clean look as the credit app (or better to integrate both into one) like the login page 2) Add AmEx business debit to Apple Pay 3) Update the iOS icon, it looks SO busy and old fashioned like it’s from 2010. Let’s all add a big bank icon to let you know! I think there are better ways in this day and age. Idea: why not change the icon to look like the AmEx business debit card? That would be refreshing. ### 4/5 — About Time *2021-11-12, version 1.1.0* I am an Amex loyalist. Almost all of my daily spend is with them. I was waiting for the chance to actually bank with them and now I have that opportunity! Kabbage was ok at best for a business checking account and I knew Amex could do better. App is pretty good for being brand new. Adding debit cards to Apple Pay should be added. Dark mode should be added just like the Amex credit card app. A way to track budgeting and spending should be added. Plaid integration should be added so I can link my account to PayPal and such. Knowing American Express, these things will be updated. Businesses accounts are a massive part of their business and there’s no way they’d have anything but the best for small businesses. It’s a good start. ### 3/5 — Disappointing *2022-12-20, version 1.13.1* I’m an AMEX lifer and I’m sorely disappointed by this business banking product. They are obviously in over their heads and this will probably tarnish their brand. The fact that they don’t have BASIC integrations like QuickBooks online and Plaid is inexcusable. They should have launched in beta because those gaps are a nonstarter for a digital bank. Also they refused to produce a cashiers check, yet they have their own bank charter. 60k points is not enough for me to stay. Ugh. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*