Delta SkyMiles® Blue American Express Card Agreement

American Express · Official agreement

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2 of 95 cards in Use & Processing

Use & Processing · Permission or license

Paying by check authorizes a one-time electronic debit that can occur the same day, and the check is not returned

When the Card Member pays by check, American Express is authorized to use information from the check (such as routing number, account number and check serial number) to make a one-time electronic fund transfer from the Card Member's bank or other asset account. The payment may be withdrawn as soon as the same day American Express receives the check, and the check will not be returned by the bank or financial institution. In certain circumstances American Express may process the payment as a check transaction.

Details
Who
American Express National Bank
What it does
use check information to make a one-time electronic fund transfer
When
as soon as the same day the check is received
Exception
may process as a check transaction in certain circumstances

Supporting quotations

When you pay us by check; permission for electronic debit: When you pay us by check, you authorize us to use information from your check (such as routing number, account number and check serial number) to make a one-time electronic fund transfer from your bank or other asset account.
When we do this, your payment may be withdrawn from your bank or other asset account as soon as the same day we receive your check, and you will not receive that check back from your bank or financial institution. In certain circumstances, we may process your payment as a check transaction.

Qualifications & exceptions

  • Authorization applies when the Card Member pays by check.

Not stated here

  • The "certain circumstances" in which a payment is processed as a check transaction are not described.