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

Our Silver, Gold, and Platinum Business Checking Packages include the following:

Everyday benefits

  • U.S. Bank Visa® debit card
  • No-fee transactions at U.S. Bank ATMs1
  • Online and mobile banking
  • Mobile check deposit2
  • Bill pay
  • Discount on your first check order3

Benefits beyond checking

Platinum Business Money Market account:4 No minimum balance required when you have the Platinum Business Checking Package.

Card payment processing:5  Enjoy access to flexible tools for debit and credit card processing through U.S. Bank Payment Solutions.

Choose the business checking accounts you want to compare.

Silver Business Checking Account Package

Simplicity, value and convenience for newer or smaller businesses

Gold Business Checking Account Package

Flexibility and value for businesses with moderate transaction levels

Platinum Business Checking Account Package

Extra rewards and benefits for businesses with higher balances

Premium Business Checking Account Package

An analyzed account6 that puts higher balances to work for you

Free combined transactions per month7

125

300

500

Analyzed account6

Cost per excess transaction

$0.50

$0.45

$0.40

Not available

Free cash deposit units per month8

25

100

200

Analyzed account6

Interest-bearing account option available. See today’s rates.9

Not available

Yes

Not available

Yes

Free mobile check deposits2

Yes
Yes
Yes

Analyzed account6

Zelle® for your business10

Yes
Yes
Yes

Not available

Monthly maintenance fee

$0

$20

 

$0 when waiver options are met

$30

 

$0 when waiver options are met

Analyzed account6

Ways to waive the monthly fee

N/A

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

 

- OR -

 

$20,000 in combined average collected deposit balances11 or $50,000 in combined average collected deposit balance on interest-bearing option11

 

- OR -

 

$50,000 combined average collected business deposits and outstanding business credit balances12

 

- OR -

 

$75,000 in combined business deposit and outstanding business credit

$25,000 average collected checking balance

 

- OR -

 

$75,000 combined average collected business deposits11 and outstanding business credit balances12

Analyzed account6 ; maintenance and transaction fees can be offset by an earnings credit based on account balance.

Basic paper statement fee (no images)

$6

Free

Free

Free

Get started with the account that fits your business needs.

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Start of disclosure content

Disclosures

  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.

Start of disclosure content

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

See the U.S. Bank Your Deposit Account Agreement booklet for additional disclosures applicable to deposit accounts. Other conditions and restrictions may apply. Terms may change without notice. For the most current information about packages and benefits available, contact your banker.