What is a Gold Business Checking Package?

The U.S. Bank Gold Business Checking account features lower transaction fees and comes in both a traditional and an interest-bearing version so you can earn a little extra from your balance. 

Explore more ways to save with the following features:

  • 300 free transactions per statement cycle1

  • $10,000 of free cash deposits or 100 free cash transactions, whichever comes first, per statement cycle2 3

  • $20 monthly maintenance fee, waivable with a U.S. Bank Payment Solutions Merchant account

  • 50% discount on first check order with Deluxe™ up to $1004

  • Shared access for employees

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Benefits included in every U.S. Bank business checking account.

Mobile and online banking

View account summaries, transfer money and track your cash flow with various tools and accounting software integration. Initiate and track ACH and wire payments in one dashboard.

Mobile check deposit

Deposit checks into your U.S. Bank account by taking photos of your check using your mobile device. 

No-fee transactions at U.S. Bank ATMs  5

As a U.S. Bank account holder, enjoy zero fees at any U.S. Bank ATM. 

U.S. Bank Visa debit card

Use your business checking debit card to pay for business purchases or at 13,000 ATMs nationwide. 

Bill Pay

When you pay your bills from your account via online and mobile banking, we send the payments directly to your billers.

Discount on your first check order  4

With a business checking account package, you’ll receive a 50% discount off your first order.

Open a Gold Business Checking Package

Have this information handy before you apply:

Apply now
  • Your SSN, personal address, email address and mobile phone number
  • Your business’s Taxpayer Identification Number (EIN, SSN, ITIN)
  • Name, email address and mobile phone number for owners (with 25% or more ownership) of the company
  • Start with a $100 deposit and transfer more funds as you grow.

Let us help you find the best checking account to suit your business needs.

Get a checking account recommendation.

Answer a few questions to find the right fit for your business. 

Get a recommendation

Switch to a U.S. Bank business checking account.

Our business EZ Switch Kit includes five steps to complete your transfer to a U.S. Bank account.

Download the PDF

Which U.S. Bank checking account is right for your business? 

Key differences

Silver Business Checking

Gold Business Checking

Platinum Business Checking

Monthly maintenance fee

$0

$20, waivable
How to waive the monthly maintenance fee

$30, waivable
How to waive the monthly maintenance fee

Free transactions per statement cycle6

125 free transactions per statement cycle 7

300 free transactions per statement cycle 1

500 free transactions per statement cycle 8

Cost per excess transactions

$0.50

$0.45

$0.40

Cash deposits3

$2,500 of free cash deposits or 25 free cash transactions, whichever comes first, per statement cycle 9

$10,000 of free cash deposits or 100 free cash transactions, whichever comes first, per statement cycle 2

$20,000 free cash deposits or 200 free cash transactions, whichever comes first, per statement cycle 10

50% discount on first check order

up to $50 4

up to $100 4

up to $100 4

Free paper statement

Not available

Free paper statement without check images

Free paper statement with front and back check images

Key differences

Monthly maintenance fee

Silver Business Checking

$0

Gold Business Checking

$20, waivable
How to waive the monthly maintenance fee

Platinum Business Checking

$30, waivable
How to waive the monthly maintenance fee

Key differences

Free transactions per statement cycle6

Silver Business Checking

125 free transactions per statement cycle 7

Gold Business Checking

300 free transactions per statement cycle 1

Platinum Business Checking

500 free transactions per statement cycle 8

Key differences

Cost per excess transactions

Silver Business Checking

$0.50

Gold Business Checking

$0.45

Platinum Business Checking

$0.40

Key differences

Cash deposits3

Silver Business Checking

$2,500 of free cash deposits or 25 free cash transactions, whichever comes first, per statement cycle 9

Gold Business Checking

$10,000 of free cash deposits or 100 free cash transactions, whichever comes first, per statement cycle 2

Platinum Business Checking

$20,000 free cash deposits or 200 free cash transactions, whichever comes first, per statement cycle 10

Key differences

50% discount on first check order

Silver Business Checking

up to $50 4

Gold Business Checking

up to $100 4

Platinum Business Checking

up to $100 4

Key differences

Free paper statement

Silver Business Checking

Not available

Gold Business Checking

Free paper statement without check images

Platinum Business Checking

Free paper statement with front and back check images


Save money by waiving monthly fees on your Gold Business Checking account.

A monthly maintenance fee is a charge that an account holder may incur by having a checking account with a financial institution. At U.S. Bank, we strive to help our account holders waive these fees.11 You can waive the Gold Business Checking account monthly maintenance fee with one of the following:  

  • U.S. Bank Payment Solutions Merchant Account
    - OR -

  • $10,000 average collected checking balance or $25,000 average collected checking balance on interest-bearing option.

  • $20,000 in combined average collected deposit balances or $50,000 in combined average collected balance on interest-bearing option12

  • $50,000 combined average collected business deposits and outstanding business credit balances.13

 

Explore helpful resources.

Five reasons why your small business deserves its own bank account

Read more

Common small business banking questions answered

Read more

How to choose the right business checking account 

Read more

Frequently Asked Questions

Having a business checking account offers several benefits. Managing your business finances effectively means keeping your personal and business finances separate. You can also track your business expenses, making it easier to monitor your financial health.

Having a business checking account with a positive transaction history can contribute to building a strong credit profile for your business and help you when it comes time to apply for a business loan or line of credit.

Plus, for tax preparation purposes, a separate business checking account will simplify record keeping.

Prefer to talk TO a banker?

Make an appointment
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Call 855-505-1775
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Start of disclosure content

Disclosures

For additional information call 855-955-2760 or visit your local branch for a copy of Business Pricing Information disclosure or refer to Your Deposit Account Agreement (YDAA).

Eligibility requirements and restrictions apply. Please refer to the Digital Services Agreement for more information.

U.S. Bank and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.

Other conditions and restrictions may apply. Terms may change without notice.

Deposit products are offered by U.S. Bank National Association. Member FDIC.

Start of disclosure content

  1. Transactions are $0.45 each once free transactions are surpassed. A Transaction includes deposits and other credits, checks paid and other debits. ACH and deposited items, and signature and PIN-based purchases made with a U.S. Bank Business Debit Card. The U.S. Bank Business Debit Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

  2. $10,000 of free cash deposits or 100 free cash transactions, whichever comes first, per statement cycle. Cash deposit units are calculated by dividing each cash deposit amount by 100 and rounding the resulting value to a whole number. To determine rounding, less than $.50/$50 is rounded down and more than or equal to $.50/$50 is rounded up. Any deposit less than $150 equals one unit. Cash unit allowance applicable to all cash deposits in branch and through U.S. Bank partner ATMs, cash unit allowance not applicable to Cash Vault product. After free units per statement cycle the fee is $0.33 per unit.

  3. Units are calculated by dividing each cash deposit by 100 and rounding the results value to a whole number.

  4. Discount applies to business products offered by Deluxe Corporation. Discounts are as follows:

    Silver Business Checking Account Package: 50% off first order up to $50
    Gold Business Checking Account Package: 50% off first order up to $100
    Platinum Business Checking Account Package: 50% off first order up to $100
    Business Essentials: 50% off first order up to $50

  5. ATM Transaction Fee. U.S. Bank will assess this fee for each ATM Transaction (withdrawal, balance inquiry, denied transaction, funds transfer or deposit) conducted at the Non-U.S. Bank ATM. Non-U.S. Bank ATMs are defined as any ATM that does not display the U.S. Bank logo in any manner, physically on the ATM or digitally on the screen.

    ATM Surcharge. Non-U.S. Bank ATM owners may apply a surcharge fee on ATM transactions at their ATMs. U.S. Bank participates in MoneyPass®, an ATM surcharge free network. To find MoneyPass ATM locations, select “visit the MoneyPass locator” at the bottom of our ATM locator search results to be taken to the MoneyPass website. If you use an ATM that uses the MoneyPass® Network and are charged a surcharge fee, please contact us at 800-USBANKS (872-2657) for a refund of the surcharge fee.

    Please refer to the Business Pricing Information section titled “Other Service Fees” for a summary of ATM Transaction fees.

  6. A transaction includes deposits and other credits, checks paid and other debits, ACH and deposited items, and signature and PIN-based purchases made with a U.S. Bank Business Debit Card. The U.S. Bank Business Debit Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. 

  7. Transactions are $0.50 each once free transactions are surpassed. A Transaction includes deposits and other credits, checks paid and other debits. ACH and deposited items, and signature and PIN-based purchases made with a U.S. Bank Business Debit Card. The U.S. Bank Business Debit Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

  8. Transactions are $0.40 each once free transactions are surpassed. A Transaction includes deposits and other credits, checks paid and other debits. ACH and deposited items, and signature and PIN-based purchases made with a U.S. Bank Business Debit Card. The U.S. Bank Business Debit Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

  9. $2,500 of free cash deposits or 25 free cash transactions, whichever comes first, per statement cycle. Cash deposit units are calculated by dividing each cash deposit amount by 100 and rounding the resulting value to a whole number. To determine rounding, less than $.50/$50 is rounded down and more than or equal to $.50/$50 is rounded up. Any deposit less than $150 equals one unit. Cash unit allowance applicable to all cash deposits in branch and through U.S. Bank partner ATMs, cash unit allowance not applicable to Cash Vault product. After free units per statement cycle the fee is $0.33 per unit.

  10. $20,000 of free cash deposits or 200 free cash transactions, whichever comes first, per statement cycle. Cash deposit units are calculated by dividing each cash deposit amount by 100 and rounding the resulting value to a whole number. To determine rounding, less than $.50/$50 is rounded down and more than or equal to $.50/$50 is rounded up. Any deposit less than $150 equals one unit. Cash unit allowance applicable to all cash deposits in branch and through U.S. Bank partner ATMs, cash unit allowance not applicable to Cash Vault product. After free units per statement cycle the fee is $0.33 per unit.

  11. Monthly Maintenance Fee Waiver Options: Gold Business Checking: U.S. Bank Payment Solutions Merchant Banking OR $10,000 average collected balance OR $20,000 combined average collected business deposit balances OR $50,000 combined average collected business deposits and outstanding credit balances. Platinum Business Checking: $25,000 average collected balance OR $75,000 combined average collected business deposits and outstanding business credit balances. Effective August 12, 2024, U.S. Bank Payment Solutions Merchant Banking will be included as an option for the Monthly Maintenance Fee waiver for Platinum Business Checking.

  12. Business deposit balances only. Balances will be verified 2 days prior to the last day of your statement cycle.

  13. Business credit outstanding balances only. Balances will be verified 2 days prior to the last day of your statement cycle.