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By applying online or opening/using the account, customers agree to the agreement’s conditions and important legal disclosures. The agreement explains arbitration as binding and final, defines key terms, describes how to contact the bank and obtain account-type specific information, and outlines required identification steps for opening and maintaining an account.",{"@graph":63,"@context":118},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":41,"@type":70,"position":76},"https://docshare.wps.com/template/letters/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/american-express-national-bank-consumer-deposit-account-agreement-rev-5-january-2026/304812/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/american-express-national-bank-consumer-deposit-account-agreement-rev-5-january-2026/304812.png","ImageObject",442,249,{"name":88,"@type":89},"Aria Callaghan","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-09-27","2026-09-19",true,{"@type":98,"interactionType":99,"userInteractionCount":73},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"What accounts does the agreement cover?","Question",{"text":108,"@type":109},"It covers deposit accounts including Rewards Checking, High Yield Savings (HYSA), and Certificates of Deposit (CD), as described in the agreement and related schedules.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"How does the arbitration provision affect disputes?",{"text":113,"@type":109},"The agreement requires that disputes concerning the accounts be resolved through binding arbitration if either you or the bank elects arbitration, and it states that the arbitration resolution is binding and final.",{"name":115,"@type":106,"acceptedAnswer":116},"What identification information must be provided to open an account?",{"text":117,"@type":109},"Customers must provide information required under federal law, including name, home address (not a P.O. 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January 5 , 2026  \nCONTENTS  \nIntroduction 3  \nGeneral Terms and Account Information 5  \nAccount Ownership, Beneficiaries, and Agents 8  \nClosing or Freezing Accounts and Inactive Accounts 11  \nAccount Balances and Processing Transactions 13  \nDeposits and Linking Accounts 16  \nWithdrawals, Transfers, Payments, Transactions 22  \nElectronic Funds Transfers (EFTs) 31  \nAdditional Terms and Conditions 35  \nArbitration and Dispute Resolution 38  \nAMERICAN EXPRESS NATIONAL BANK  \nCONSUMER DEPOSIT ACCOUNT AGREEMENT  \nIntroduction  \nThis Agreement  \nThis American Express Consumer Deposit Account Agreement (Agreement or Deposit Account Agreement), along with the American Express Rewards Checking Account Schedule (Checking Schedule) , High Yield Savings Account Schedule (HYSA Schedule), Certificate of Deposit Schedule (CD Schedule) , Privacy Notice , and account application, or other documentation (together, Account Documentation), is an agreement between you and American Express National Bank. This Agreement establishes the terms and conditions governing your deposit account(s) with us. By submitting your application to open your deposit account online or by otherwise opening, using or continuing to have your deposit account with us, you agree to the terms and conditions in this Agreement. Please read this Agreement carefully. This Agreement includes important information about how your “Account” (as defined in the “Definitions” section of this Agreement below) and related services work as well as important legal disclosures about your rights and responsibilities regarding your Account. We recommend retaining a copy of this Agreement. You can find the latest version of [the Agreement online anytime at](the Agreement online anytime at go.amex/depositslegal)[ ](the Agreement online anytime at go.amex/depositslegal)[go.amex/depositslegal](the Agreement online anytime at go.amex/depositslegal).  \nFees  \nFor a complete schedule of fees that we may charge in connection with your Account, see the Fee Schedule section, if applicable, of the account-specific schedule provided as part of your Account Documentation.  \nArbitration Notice  \nYOUR ACCOUNT IS SUBJECT TO BINDING ARBITRATION. THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION WHICH GOVERNS THE MANNER IN WHICH DISPUTES CONCERNING YOUR ACCOUNTS ARE  \nRESOLVED. BY SUBMITTING AN ACCOUNT APPLICATION AND AGREEING TO BE BOUND BY THIS AGREEMENT, YOU AGREE TO RESOLVE ALL SUCH DISPUTES THROUGH ARBITRATION IF EITHER YOU OR AMERICAN EXPRESS ELECTS TO USE ARBITRATION TO RESOLVE SUCH DISPUTES AND THAT THE RESOLUTION BY THAT FORUM SHALL BE BINDING AND FINAL. BY AGREEING TO THIS AGREEMENT, YOU WAIVE YOUR RIGHT TOSUE US IN COURT OR GOVERNMENT TRIBUNAL. PLEASE SEE ARBITRATION AND DISPUTE RESOLUTION FOR FURTHER DETAILS.  \nDefinitions  \nUnless the context requires otherwise, as used in this Agreement, the words “we,”“our,” “us” and \"Bank\" mean American Express National Bank. The words “you”and “your” mean each and all applicants for, and owners of, an Account (individually and together if an Account has more than one applicant or owner, unless otherwise specifically provided) . The word “Account(s)” means your deposit account with us, including Rewards Checking Account (Rewards  \nChecking), High Yield Savings (HYSA), and/or Certificate of Deposit (CD) .\"Business Day\" means every day except Saturdays, Sundays, and federal holidays. The headings in this document are for convenience or reference only and will not govern the interpretation of the provisions. Unless it would be inconsistent to do so, words and phrases used in this document should be construed so the singular includes the plural, and the plural includes the singular.  \nContacting Us  \nYou may use the contact information below to contact us at any time, by phone, mail, or online. Hearing and speech impaired customers may contact us through TTY/TDD telecommunications relay ser","cbCaikbXS2uQcv5c","https://ap.wps.com/l/cbCaikbXS2uQcv5c","pdf",776116,51,"English","# Introduction\n## Fees\n## Arbitration Notice\n## Definitions\n## Contacting Us\n## General Terms and Account Information\n## Identifying You","[{\"question\":\"What accounts does the agreement cover?\",\"answer\":\"It covers deposit accounts including Rewards Checking, High Yield Savings (HYSA), and Certificates of Deposit (CD), as described in the agreement and related schedules.\"},{\"question\":\"How does the arbitration provision affect disputes?\",\"answer\":\"The agreement requires that disputes concerning the accounts be resolved through binding arbitration if either you or the bank elects arbitration, and it states that the arbitration resolution is binding and final.\"},{\"question\":\"What identification information must be provided to open an account?\",\"answer\":\"Customers must provide information required under federal law, including name, home address (not a P.O. Box/CMRA/PMB), and date of birth, and they must be at least 18 years old with required citizenship/residency and tax identification information.\"}]","AMERICAN EXPRESS NATIONAL BANK CONSUMER DEPOSIT ACCOUNT AGREEMENT - Rev. 5 January 2026 | PDF",1789817688]