How to Send a Check with American Express
Learn how to easily send physical checks using American Express with Check Supply. Follow this simple step-by-step guide.
American Express
Trusted financial institution
American Express is supported by Check Supply, enabling you to send secure, convenient check mailing services directly from your mobile device.
Visit American Express WebsiteAmerican Express Bill Pay vs Check Supply
See how Check Supply compares to American Express's traditional bill pay system
American Express Rewards Checking does not offer traditional bill pay services for their checking accounts. Instead, customers can use their account number and routing number to pay bills on third-party sites, send money via Zelle for person-to-person payments, or order checks through third-party vendors for mailing. While American Express provides excellent banking features including competitive APY, Membership Rewards points on debit card purchases, and no monthly fees, built-in bill payment functionality is not available through their platform.
Check Supply provides the perfect solution for American Express customers who need to send physical checks or make payments that require traditional bill pay functionality. We offer superior speed, visibility, and control for mailed checks. We process payments in one business day with same-day print-and-mail capability when queued by 3 PM ET (including Saturdays), provide granular status tracking (queued → printed → mailed), and clearly confirm when the check is deposited. Funds remain in your American Express account until the recipient deposits the check—we do not place pre-debit holds. The experience is a modern, simple flow similar to Cash App or Venmo for sending checks, and you can connect multiple bank accounts and choose which one to pay from. USPS transit times are not guaranteed by either service.
| Feature | American Express Bill Pay | Check Supply |
|---|---|---|
| Physical checks | No — American Express does not offer traditional bill pay services | Yes — we print & mail on your behalf |
| Average processing time | N/A — No traditional bill pay service; Zelle is instant for P2P, wires take 1-3 days | 1 business day; same-day print & mail if queued by 3 PM ET (Sat included) |
| When funds are withdrawn | Varies — Zelle: immediate; Wires: when processed; Third-party sites: varies | Only when recipient deposits the check; no pre-debit holds |
| User experience | No integrated bill pay interface; must use third-party sites or Zelle | Modern, simple flow (Cash App/Venmo-like) for sending checks |
| Account flexibility | Limited to American Express accounts for most services | Connect multiple banks; choose which account to pay from |
| Delivery time (mail transit) | N/A — No traditional bill pay service; third-party sites vary | Typically 1–5 business days (USPS not guaranteed) |
| Tracking | Limited tracking for wires; no tracking for third-party bill pay | Granular: queued → printed → mailed + deposit confirmation |
Note: American Express does not offer traditional bill pay services. Instead offers Zelle for P2P, wire transfers ($20 fee), and third-party bill pay sites. Check Supply provides comprehensive bill payment functionality. USPS delivery not guaranteed.
Save money and time with Check Supply's superior features and pricing compared to American Express's bill pay system.
💡 Why Choose Check Supply?
No hidden fees, faster delivery, and a seamless mobile experience designed specifically for check mailing.
Step 1: Download Check Supply from the App Store
Download the Check Supply app from the Apple App Store.
Step 2: Enter the Payment Amount
Open the app and navigate to the Pay tab. Type in the amount you want to send and tap Mail My Check.
Step 3: Add Recipient's Details
Input the name and address of the person you wish to send the check to. You can also import this information from your iPhone's contact list for added convenience.
Step 4: Connect Your American Express Account
Connect your American Express account securely using Plaid. Your financial information is encrypted and stored only with Plaid; Check Supply never accesses or stores your sensitive data.
Step 5: Optional Memo or Note
Add a memo or note to be printed on the bottom left corner of the check. This step is optional. When you're ready, tap Pay.
Step 6: Review and Confirm
You'll see a confirmation page to review all the details. Confirm and pay for the service. If completed before 3 PM EST on a business day, your check will be printed and mailed the same day.
Step 7: Track Your Check
Under the Payments tab, you can track your checks. Most are delivered within 1-5 USPS business days, including Saturdays.
Conclusion
Sending a physical check with American Express has never been easier. With Check Supply, you handle everything from your iPhone—quickly, securely, and without any hassle. Download the app today and simplify your payments.
American Express
Trusted financial institution supported by Check Supply
Frequently Asked Questions
Does American Express offer bill pay services?
No. American Express Rewards Checking does not offer traditional bill pay services. Instead, customers can use their account number and routing number to pay bills on third-party sites, send money via Zelle for person-to-person payments, or order checks through third-party vendors.
How can I pay bills with my American Express checking account?
While American Express doesn't offer built-in bill pay, you can use your account number and routing number on third-party bill pay sites, send money via Zelle, or use Check Supply for a modern, integrated bill payment experience with full tracking and confirmation.
How does Check Supply reduce uncertainty for American Express customers?
Check Supply provides comprehensive step-by-step tracking (queued → printed → mailed) and confirms when the check is deposited, eliminating uncertainty about payment status that you experience when using disparate third-party services or having no integrated bill pay option.
Does Check Supply hold my money before delivery?
No. With Check Supply, funds stay in your American Express account until your recipient deposits the check. We do not place pre-debit holds, unlike some traditional bill pay services that may withdraw funds immediately.
What if my payee cannot accept electronic payments or Zelle?
Check Supply specializes in mailed checks with same-day processing if queued by 3 PM ET (Saturdays included) and provides granular status updates through deposit confirmation - perfect for American Express customers who need reliable physical check delivery.
How fast will my payment arrive?
Check Supply processes in 1 business day with same-day print-and-mail cutoff at 3 PM ET. USPS transit times are not guaranteed, but this provides much more certainty and speed than relying on third-party bill pay sites or having no integrated bill pay service.
Do I need to keep using American Express if I use Check Supply?
No. You can use Check Supply independently to generate and mail checks from your American Express account while still enjoying all the benefits of your American Express Rewards Checking, including competitive APY and Membership Rewards points.
Are there fees for using Check Supply with American Express?
Check Supply charges a transparent per-check fee for printing and mailing, with tracking included. This provides the integrated bill pay functionality that American Express doesn't currently offer, along with superior speed and visibility compared to alternative third-party options.
Routing Numbers
Send checks securely with American Express through the Check Supply mobile app