American Express Business Checking vs First Citizens Innovation Banking (formerly Silicon Valley Bank): lo que publica cada uno
A fecha de 17 de octubre de 2026, según sus propias reglas publicadas, First Citizens Innovation Banking (formerly Silicon Valley Bank) acepta estos sectores: Servicios financieros sin licencia, con condiciones; IA y SaaS, con condiciones; Marketplace, con condiciones. De American Express Business Checking no tenemos ninguna regla así.
No es una clasificación: los dos nombres van en orden alfabético. La comprobación gratuita aplica las reglas de cada proveedor a tus respuestas.
De dónde acepta empresas
American Express Business Checking
Las regiones que nombran sus propios documentos, leídos el 9 de octubre de 2026
First Citizens Innovation Banking (formerly Silicon Valley Bank)
Las regiones que nombran sus propios documentos, leídos el 16 de octubre de 2026
Política por sector
| Sector | American Express Business Checking | First Citizens Innovation Banking (formerly Silicon Valley Bank) |
|---|---|---|
| Servicios financieros sin licencia | No | Con condiciones |
| IA y SaaS | Sin regla publicada | Con condiciones |
| Marketplace | Sin regla publicada | Con condiciones |
| Cripto | No | Depende de la actividad |
| iGaming | No | Sin regla publicada |
| Forex y CFD | No | Sin regla publicada |
| Contenido adulto | Sin regla publicada | Sin regla publicada |
Dónde deben residir los socios
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.
First Citizens Innovation Banking (formerly Silicon Valley Bank)
Sin regla publicada
Reglas sobre países
American Express Business Checking
Sin regla publicada
First Citizens Innovation Banking (formerly Silicon Valley Bank)
Sin regla publicada
Comisiones
American Express Business Checking
| Plan | Apertura de cuenta | Mensual | Comprobado |
|---|---|---|---|
| Amex Business Checking | Apertura gratuita («Account Opening No fee») | Ninguna («Monthly Account Maintenance Fee No fee») | · Fuente |
First Citizens Innovation Banking (formerly Silicon Valley Bank)
| Plan | Apertura de cuenta | Mensual | Comprobado |
|---|---|---|---|
| Essentials Checking | No consta | USD 25 al mes, exenta con un saldo medio mensual de USD 15.000 («Monthly account maintenance fee of $25 is waived if billing family monthly average net collected balance is $15,000 or greater») | · Fuente |
| Essentials Checking a través de Startup Banking | No consta | Gratis durante un máximo de tres años, después USD 50 al mes más las comisiones de las transferencias salientes («Free checking through Essentials Checking available for up to three years from account opening») | · Fuente |
Cierre de la cuenta
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.
¿Cuenta cerrada o bloqueada? Qué dicen las condiciones de American Express Business Checking
First Citizens Innovation Banking (formerly Silicon Valley Bank)
We may, at our discretion, and without notice, close, cancel, freeze, suspend or terminate any account, product or service you have with us, any time, with or without cause.
Licencia
| Titular de la licencia | American Express Business Checking | First Citizens Innovation Banking (formerly Silicon Valley Bank) |
|---|---|---|
| Titular de la licencia | American Express National Bank · national bank chartered by the OCC, Member FDIC (FDIC cert 27471) | First-Citizens Bank & Trust Company · North Carolina state-chartered bank, Member FDIC (FDIC cert 11063) · First Citizens Innovation Banking, formerly Silicon Valley Bank, is a division of it |
| Regulador | FDIC / OCC · | FDIC · |