Does American Express Business Checking accept unlicensed financial services businesses? (October 2026)
No
As of October 7, 2026, American Express National Bank (FDIC / OCC) does not accept unlicensed financial services businesses, per its published policy.
What the policy says
Select industries or businesses engaged in certain activities are currently ineligible, such as money service businesses, cryptocurrency, internet gambling businesses, and marijuana related businesses.
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What founders report
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