What bank does American Express serve with?

Written by Editorial Team | Last Updated: August 2026

American Express operates primarily as an independent global payments network and bank holding company rather than relying on a single external financial partner. However, for specific consumer banking products, American Express operates its own digital banking subsidiary, American Express National Bank, which issues high-yield savings accounts and certificates of deposit directly. Additionally, Amex collaborates with various global merchant acquirers, payment processors, and international banking partners to facilitate seamless cross-border credit card settlements and commercial financial services worldwide.

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American Express operates its primary banking operations through American Express National Bank, an FDIC-insured depository institution that manages its consumer savings portfolios, certificates of deposit, and commercial funding products.

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