
American Express National Bank Review 2026: Checking, Savings and CDs
American Express National Bank, Member FDIC is an online bank that offers strong checking and savings accounts, as well as certificates of deposit that are worth considering.

American Express National Bank, Member FDIC is an online bank that offers strong checking and savings accounts, as well as certificates of deposit that are worth considering.



Not all CDs are alike — they differ in terms, interest and other features.

One CD can earn you dollars while another earns you cents. The best are high-yield CDs.


Determine your target savings goal and then save consistently until you get there.


Save more than $1,000 in a year. Save $1 your first week, $2 your second week and so on.

See our CD penalty calculator and a list of banks’ penalties to find out what an early withdrawal costs.