American Express Business Checking vs Capital One: what each publishes
As of October 17, 2026, we hold published rules from American Express Business Checking on 4 of 7 industries and from Capital One on 0.
Not a ranking: the two names are in alphabetical order. The free check applies every provider’s rules to your own answers.
Where it takes companies from
American Express Business Checking
The regions its own documents name, read on October 9, 2026
Policy by industry
| Industry | American Express Business Checking | Capital One |
|---|---|---|
| Crypto | No | No published rule |
| iGaming | No | No published rule |
| Unlicensed financial services | No | No published rule |
| Forex and CFD | No | No published rule |
| Adult | No published rule | No published rule |
| AI and SaaS | No published rule | No published rule |
| Marketplace | No published rule | No published rule |
Where owners must live
American Express Business Checking
To open an Account with us, you and/or your Primary Admin must be at least 18 years old, a U.S. citizen or a resident alien with a valid Social Security number (SSN) or other taxpayer identification number or individual taxpayer identification number (TIN or ITIN) and have a physical business street address in the United States, Puerto Rico, U.S. Virgin Islands, Guam, American Samoa or Northern Mariana Islands.
Capital One
You must be at least 18 years of age and must be a legal U.S. resident.
Rules about countries
American Express Business Checking
No published rule
Capital One
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 |
Capital One
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Basic Checking | Not stated | USD 15, waived with a USD 2,000 minimum 30- or 90-day average balance | · Source |
| Enhanced Checking | Not stated | USD 35, waived with a USD 25,000 minimum 30- or 90-day average balance | · Source |
| Premier Checking | Not stated | USD 99, waived with a USD 100,000 minimum balance ('Waived with $100,000 minimum balance'); opened only through a business banker | · Source |
Closing an account
American Express Business Checking
We may also close your Account and terminate or suspend your use of and access to any or all of our Account services for any reason and at any time by giving you reasonable notice. Reasonable notice depends on the circumstances, and, in some cases, it might be reasonable for us to give notice after we have closed or frozen the Account.
Account closed or frozen? What American Express Business Checking’s terms say
Capital One
Bank may close any Account in Bank’s sole discretion at any time, for any or no reason and without notice to Customer.
Licence
| Licensee | American Express Business Checking | Capital One |
|---|---|---|
| Licensee | American Express National Bank · national bank chartered by the OCC, Member FDIC (FDIC cert 27471) | Capital One, National Association · national bank, Member FDIC (FDIC cert 4297) |
| Regulator | FDIC / OCC · | FDIC · |