Choose the business checking account you’d like to compare to Silver Business Checking Package.

 

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Features

Silver Business Checking

Gold Business Checking

Platinum Business Checking

Monthly maintenance fee

$0

$20 waivable

$30, waivable
How to waive the monthly maintenance fee

Free transactions per statement cycle1

125 free transactions per statement cycle3

300 free transactions per statement cycle3

500 free transactions per statement cycle 1

Cost per excess transaction

$0.50

$0.45

$0.40

Cash deposits2

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

$1,000 of free cash deposits or 100 free cash transactions per statement cycle (whichever comes first per statement cycle5

$20,000 free cash deposits or 200 free cash transaction, whichever comes first, per statement cycle2

50% off first check order

Up to $504

Up to $1004

Up to $1004

Free paper statement

Not available

Without check images

Free paper statement with front and back check images

Mobile payment acceptance

Not available

Not available

Not available

Description

Simplicity, value and convenience for newer or smaller businesses

Flexibility and value for businesses with moderate transaction activity.

Extra benefits for established businesses with higher balances

Apply or Learn more

Additional business checking accounts

We have solutions for every type of business.

Nonprofit checking account

Ideal features for nonprofit organizations with unique needs.

  • No monthly fees and no minimum balance restriction.
  • 1,800 free transactions per calendar year1
  • $30,000 free cash deposits or 300 cash transactions7
Apply now Learn more

Premium Business Checking Package

Best for larger businesses with higher deposit and transaction activity.

  • Apply earnings credit to offset account fees8(how to offset fees)
  • Earn credit on qualifying balances 9
  • Group multiple analyzed and checking accounts for a consolidated snapshot of balances and services
Apply now Learn more

Enjoy the benefits that come with U.S. Bank business checking accounts.

Our U.S. Bank Silver, Gold and Platinum business checking accounts include:

U.S. Bank Visa debit card

Mobile check deposit

No-fee transactions at U.S. Bank ATMs4

Bill Pay

Mobile and online banking

Discount on your first check order4

How to waive the monthly fee

  • You can waive the monthly fee with one of the following:
    U.S. Bank Payment Solutions Merchant Account
    $10,000 average collected checking balance or $25,000 average collected checking balance on interest-bearing option
    $20,000 in combined average collected deposit balances11 or $50,000 in combined average collected balance on interest-bearing option7
    $50,000 combined average collected business deposits and outstanding business credit balances.12

You can waive the monthly fee with one of the following:

  • $25,000 average collected checking balance.
  • $75,000 combined average collected business deposits11 and outstanding business credit balances12 13

A cash deposit is measured in units. A unit is computed by dividing the cash deposit amount by 100 and rounding it to a whole number. For example, if you make a cash deposit of $300, you will have 3 units. Any amount below $150 is automatically considered as 1 unit.

Open your new account today.

What you need to apply online.

Apply online

Unsure which account is right for you?

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

Get a recommendation

Switch to U.S. Bank business checking.

Use our EZ Switch Kit for a seamless transition to your new U.S. Bank business checking account.

Download the EZ Switch Kit

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Find a branch
Schedule an appointment
Request call
Call 800-673-3555
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.

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. ATM Transaction Fee.  U.S. Bank will assess this fee for each ATM Transaction 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 Consumer Pricing Information disclosure section titled Miscellaneous Checking, Savings or Money Market Fees for a summary of ATM transaction fees.

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

  3. 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

  4. Standard variable interest rates are subject to change at the bank’s discretion and may change at any time without notice. You must maintain the minimum balance needed for each tier to earn the interest rate. Interest will be compounded daily and credited to your account monthly at the end of the statement cycle. Fees could reduce earnings on the account. Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting and other balance information. The minimum deposit required to open a Platinum Business Money Market account is $100. Other restrictions may apply.

    Starting June 6, 2024, through July 10, 2024, open a new U.S. Bank Platinum Business Money Market account and receive a bonus interest rate from the account opening date. The bonus interest rate will be 4.25% when your account balance tier is $25,000 to $2,999,999.99.  If the account balance falls below $25,000 or goes above $2,999,999.99, the full account balance will earn the standard variable interest rate in effect at the time until the account balance is between $25,000 to $2,999,999.99 again.  Bonus interest rates may change at any time without notice.

    For Platinum Business Money Market accounts with $3 million or greater in balances, the bonus interest rate does not apply, and the full account balance will earn the standard variable interest rate in effect at that time.

  5. Offer only available to new customers who sign up for a qualifying Clear & Simple Pricing Plan. Application must be submitted in-branch by your banker and is subject to approval. Limit one offer per customer. Other restrictions may apply. Talk with your banker for complete details. For a comprehensive list of account pricing, terms and policies, reference your Business Pricing Information brochure. These documents can be obtained by contacting a U.S. Bank branch or calling 800-USBANKS (872-2657).

  6. Analyzed accounts are eligible for earned credits to offset transaction, maintenance and other fees associated with account activity. Visit a U.S. Bank branch for more details.

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

  9. Interest rates subject to change without notice.

  10. To send money to or receive money from a small business, a consumer must be enrolled with Zelle® through their bank’s mobile app. Small businesses are not able to enroll in the Zelle® app and cannot receive payments from consumers enrolled in the Zelle® app. Terms and conditions apply.

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

  12. Business credit outstanding balances only. Balances will be verified 2 days prior to the last day of your statement cycle. Analyzed accounts are eligible for earned credits to offset transaction, maintenance and other fees associated with account activity. Visit a U.S. Bank branch for more details.