American Express National Bank: Powering Digital Banking for a Global Brand

Our Profile: Essential to the Amex Network

American Express National Bank (AENB) is a crucial, wholly-owned subsidiary of American Express Company (NYSE: AXP), the multinational financial services corporation established in 1850.² While the larger American Express brand is globally famous for its charge and credit cards, AENB serves as the licensed National Bank that holds deposits and facilitates lending for the company’s proprietary banking products.

AENB is a direct bank, meaning it does not operate a traditional branch network.³ Instead, it leverages the immense digital, technological, and customer service infrastructure of American Express to deliver a high-yield, secure, and convenient banking experience to millions of customers across the United States.

Core Business Focus

The operations of American Express National Bank are intrinsically linked to the broader American Express financial ecosystem, focusing primarily on:

• Deposit Products: Offering high-yield savings accounts (HYSAs), Certificates of Deposit (CDs), and select personal checking accounts.⁴
• Lending & Credit: Facilitating lending for various American Express credit card products, personal loans, and business loans and lines of credit.⁵
• Payment Network Integration: Working closely with the American Express Global Network to ensure the seamless issuance and maintenance of proprietary payment and financing products.

Commitment to Security and Service

As an FDIC-insured National Bank, AENB prioritizes the security and stability of its clients’ deposits. The bank benefits from the American Express brand’s long-standing reputation for world-class customer service, providing 24/7 support and leveraging advanced technology to secure transactions and maintain digital convenience.

Corporate Contact Information: American Express National Bank (Primary Operations)

The table below provides key contact details for the primary operational headquarters of American Express National Bank, which handles the deposit and loan products.

Name (ឈ្មោះ)	AMERICAN EXPRESS NATIONAL BANK (AENB)
Address (Corporate HQ)	115 West Towne Ridge Parkway, Sandy, UT 84070, USA.
Tel (General Savings/Deposit Inquiries)	+1 (800) 446-6307 (U.S. Toll-Free 24/7)
Fax (General Correspondence)	+1 (800) 542-0779 (U.S. Toll-Free)
E-mail	(The bank uses secure online account messaging for client communication rather than a general public email address.)
SWIFT Code (Primary)	AETCUS3AXXX (This code is typically associated with the parent company, American Express Travel Related Services Company, Inc., for wire transfers)