Amex Rewards Checking Accounts may be owned in either an individual or joint capacity.
Amex Rewards Checking Accounts may only be opened in an individual capacity, but the
individual who opens an Account (see “How do I open an Amex Rewards Checking Account?”)
may ask us to add a second named Account owner after opening an individual Account.

​​​​​​​.If an Account has more than one named owner, Account Transactions entered into by additional named
Account Owners will earn Membership Rewards® points but only the first named Account owner may redeem them.