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 deposit
  • Bill pay
  • Discount on your first check order2

Benefits beyond checking

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

Card payment processing: 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
Gold Business Checking
Platinum Business Checking

Silver Business Checking Account Package

Simplicity, value and convenience for newer or smaller businesses

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Gold Business Checking Account Package

Flexibility and value for businesses with moderate transaction levels

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Platinum Business Checking Account Package

Extra rewards and benefits for businesses with higher balances

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Premium Business Checking Account Package

An analyzed account3 that puts higher balances to work for you

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Free combined transactions per statement cycle4

125

350

550

Not applicable, analyzed account3

Cost per excess transaction

$0.50

$0.45

$0.40

Not applicable, analyzed account3

Free cash deposit units per statement cycle5

25

125

250

Not applicable, analyzed account3

Interest-bearing account option available. See today’s rates.6

Not available

Yes

Not available

Zelle® for your business7

Yes
Yes
Yes

Monthly maintenance fee

$0

$20 or $0 when you meet requirements8

$30 or $0 when you meet requirements8

$30

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 balances9 or $50,000 in combined average collected deposit balance on interest-bearing option9

 

- OR -

 

$50,000 combined average collected business deposits9 and outstanding business credit balances10

U.S. Bank Payment Solutions Merchant Account

 

- OR -

 

$25,000 average collected checking balance

 

- OR -

 

$75,000 combined average collected business deposits9 and outstanding business credit balances10

Analyzed account3 ; maintenance and transaction fees can be offset by an earnings credit based on account balance.11

Basic paper statement fee (no images)

$6

Free

Free

$6

Get started with the account that fits your business needs.

Silver Business Checking Account Package

Apply now Learn more

Gold Business Checking Account Package

Apply now Learn more

Platinum Business Checking Account Package

Apply now Learn more

Premium Business Checking Account Package

Find a branch Learn more

Prefer a recommendation?

What do I need to open an account?

Help me decide

What do I need to open an account?

Learn more about application requirements based on your business structure.

Application checklist

Get started

Find a branch
Schedule an appointment
Request call
Call 866-239-8505
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Disclosures

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

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

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.

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).

U.S. Bank Payment Solutions are powered by Elavon, a wholly owned subsidiary of U.S. Bank NA, and may have different privacy and security policies than U.S. Bank. For additional details, refer to the information found on the U.S. Bank Payment Solutions Privacy & Terms of Service page.

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

  2. 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

  3. 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.

  4. 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. 

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

  6. Interest rates subject to change without notice.

  7. 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.

  8. 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: U.S. Bank Payment Solutions Merchant Banking OR $25,000 average collected balance OR $75,000 combined average collected business deposits and outstanding business credit balances. 

  9. Business deposit balances only. Balances will be verified 1 day prior to the last day of your statement cycle.

  10. Business credit outstanding balances only. Balances will be verified 1 day prior to the last day of your statement cycle.

  11. Earnings Credit Rates may change at any time without prior notice. Earnings Credit: Average Collected Balance Available for Earnings Credit Services / Earnings Credit Rate / Actual Days in Month X Actual Days in Year. Refer to your Customer Analysis Statement for your current Earnings Credit Rate. For additional information call 855-955-2760 or visit your local branch to talk with a Business Banker.