American Express Business Checking closed or froze your business account: what its terms say
As of October 9, 2026, these are American Express Business Checking’s own words on closing accounts: the notice it gives, the reasons it names and where a complaint can go next.
Notice before closing
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.
Reasons it names for closing or suspending an account
We may, at any time, for any reason in our sole discretion and without prior notice, close your Account … Providing incorrect or misleading data to us when opening the Account or at any other time; … Engaging or attempting to engage in activity we believe is illegal or fraudulent; … Maintaining a physical business street address for the Account that is outside the United States, Puerto Rico, U.S. Virgin Islands, Guam, American Samoa or Northern Mariana Islands … Failing to fund the Account within one hundred and twenty (120) calendar days after we approve your application;
Complaints and where to go next
Most accountholder concerns can be resolved by calling us at 1-855-497-1040 for your business checking Account or at 1-800-297-3001 for your business savings Account. … you or we may submit the Claim to JAMS (1-800-352-5267, jamsadr.com) or the American Arbitration Association (AAA) (1-800-778-7879, adr.org) for mediation.
These are the provider’s published terms, not legal advice. Your own agreement and the law where your company is may give you more.