I appreciate AMEX and them providing a checking. Two issues: many places don’t recognize Amex checking, only Amex savings so integration with other banks/entities has been limited for me. The other issue is the app. My normal every day personal checking account has more capability than this bare bones app. I’d hardly call it a banking app. You can’t do anything in it. You can’t categorize expenses and my other accounts linked to the dashboard fall off regularly. Had I known the Amex checking was this bare bones, I would have gone with another bank. I expected a whole lot more from Amex. I have the delta reserve and platinum and believed that’s the level of app I would get with banking. Not so…it doesn’t even come close. Very disappointed.

I had such high hopes for my checking for small business. I have been an Amex card heavy user for 20 years. Such a great product with great functionality and service. Unfortunately, this product is just not ready. Amex does not know how to be a bank. Many basic banking functions are not available. I can’t see canceled checks. I can’t see which vendors I’ve paid. I can only see dates and amounts. This is worthless. I’m completely hamstrung. I can’t schedule payments to be made on specific days, only a range. I have to guess if vendors and bills will be paid on time. This is mind boggling as Amex itself is a vendor I pay! I can’t search for transactions which is going to make my taxes this year an absolute nightmare. I am a landlord and need to search for expenses by vendor, HOA association etc to claim my deductions. Honestly, my local credit union app has more functionality. Consumer insight on this product must be nonexistent. Who is steering this ship? Is it Amex Business? Cabbage? Blueprint? The branding is a mess — I don’t know why I expected otherwise. Goodbye, Amex checking. I hardly knew ye.

I had a Kabbage line of credit for two years which I used when needed to fill shortfalls, and fuel growth. When Covid hit, I had no reason to draw down any funds but felt secure because I had access to a line of credit I could pull from if needed. To my surprise and disappointment... I logged in one day to review an upcoming payment and noticed my available credit showed zero. Kabbage had decided to stop lending, and did not announce it to anyone who already had an existing line! Yep, that’s right... poof gone! The line of credit I had relied on vanished into thin air... even though I had never missed a payment and was only carrying a small balance. Once I noticed I immediately paid off the balance, and will NEVER use Kabbage again! My company works with over 200 small businesses in the bookkeeping and accounting space... I would regularly recommend Kabbage to my clients as a great tool to have in their toolkit... Kabbage will never get another recommendation from us, and I will actively discourage clients from using Kabbage in the future. Unbelievable.

This app is much worse than the Amex credit card app. Why? When I moved from Wells Fargo to Amex for business checking, I assumed a company as massive as Amex would have an unquestionably good app experience. NOT the case. Some customer-focused improvements I recommend the developers consider involve deposits and transfers. I tried to schedule a transfer today—a Saturday—but after filling in all the info and submitting, I get a notification that I can’t schedule a deposit on a non-business day. What?! For one: there’s no option to select the transfer date. That would be helpful, but so would just letting me complete the transfer and just notifying me afterwards that it will be delayed until the next business day? Now I have to remember to make this same effort again (not easy with my ADHD brain).Also when depositing checks: please let go of the silly rule to write “for deposit only to aenb bank”. When a check is deposited, I want to see that reflected in my pending balance, and I want to see the completed transaction details immediately. What’s with the delay? And I like to write the transaction number on a check the moment the upload confirmation appears—but this app doesn’t give me that, so I have to hunt around for it afterwards. That info plus a deposit date and an expected funds date would be lovely to show on the completed deposit screen. I’m only a month into my move from Wells Fargo to Amex, and now I’m wondering if saving $10/month in fees is worth it. Maybe I’ll try one of the “non-bank” business banks, for no fees but better technology.