Glad to have you here, @Nic29.

The account permissions set by the account owner will determine whether other users with Amex credentials can access QuickBooks Desktop's bank feeds feature. They can access the functionality if the owner has granted them the necessary permissions.

To allow users to do online banking, follow these steps:

1. Go to the Company menu, then select Users.
2. Select Set Up Users and Roles.
3. Enter the admin password, then select OK.
4. Click Add User or Edit User.
5. Add or modify their username and password, then Next.
6. Choose which area of QuickBooks the user has access to, then select Next.
7. If you choose Selected areas of QuickBooks, you can customize the restrictions for different areas of the company file for the newly created user.
8. On page 7 (Sensitive Accounting Activities window), select the level of access you want to give the user. This area allows the user to do online banking. 
9. When done, click Finish.

After you download transactions, you have to categorize them. That way, you can determine which transactions your financial institution has processed and which ones haven’t cleared the bank yet. 

Visit us again if you have further banking concerns. We're always here to answer them for you.