American Express Business Checking vs Bluevine: what each publishes
As of October 7, 2026
The published rules of American Express Business Checking and Bluevine, side by side: which industries each excludes or accepts, where owners must live, which countries each names, the licence each holds and the fees each publishes. Each answer links to the page that quotes the rule with the date we read it.
This is not a ranking, and the two names are in alphabetical order. Either provider may still decline your company because of its activity, where it is registered, where its owners live or which licence it holds. The free check applies the rules of every provider in our base to your answers.
Policy by industry
| Industry | American Express Business Checking | Bluevine |
|---|---|---|
| Crypto | Depends on the activity | Depends on the activity |
| iGaming | No | No |
| Adult | No published rule | No |
| Unlicensed financial services | No | No |
| AI and SaaS | No published rule | No published rule |
| Forex and CFD | No published rule | No |
| Marketplace | No published rule | No published rule |
American Express Business Checking
BluevineLicence
| Licensee | American Express Business Checking | Bluevine |
|---|---|---|
| Licensee | American Express National Bank · national bank chartered by the OCC, Member FDIC (FDIC cert 27471) | Bluevine Inc. · financial technology company, not a bank · banking services by Coastal Community Bank (FDIC cert 34403), Member FDIC |
| Regulator | FDIC / OCC · | FDIC (partner bank Coastal Community Bank) · |
Where owners must live
American Express Business Checking
As of August 23, 2021, we cannot offer or provide Accounts to businesses with (1) any beneficial owner who lives outside the United States or outside of any United States territory or (2) any beneficial owner who does not have a Social Security Number (SSN) or an ITIN.
Bluevine
We currently support business owners residing in the following countries:
Rules about countries
American Express Business Checking
No published rule
Bluevine
No published rule
Fees
American Express Business Checking
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Amex Business Checking | Free to open ('Account Opening No fee') | None ('Monthly Account Maintenance Fee No fee') | · Source |