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| U.S. Bank Business Checking Options |
Good for... |
Minimum Balance |
Maintenance Fee |
Free Small Business Checking
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Businesses with low to moderate transaction volume |
No minimum balance |
No monthly maintenance fee |
- Overdraft Protection via U.S. Bank Savings or Line of Credit (Subject to credit approval)
- Check images returned with statement
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Basic Business Checking with Interest
- 150 free transactions per month ($0.50 for each transaction above 150)
- Check images returned with statement
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Businesses with low to moderate transaction volume and earns interest
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$2,000 minimum daily ledger balance or $3,000 average collected balance |
$12/month maintenance fee if balance falls below minimum |
- Overdraft Protection via U.S. Bank Savings or Line of Credit (Subject to credit approval)
- Waive monthly maintenance fee with $2,000 minimum daily ledger balance or $3,000 average collected balance
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Business Edge Checking
- 500 free transactions per month ($0.50 for each transaction above 500)
- Low monthly maintenance fee if balances fall below minimum
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Businesses with moderate to high levels of transaction activity and maintain higher deposit balances |
$10,000 average collected balance OR $20,000 combined average collected deposit balances OR $50,000 combined average collected deposit balances and outstanding credit balances |
$15/month maintenance fee if balance falls below minimum |
- Business Savings Sweep option available to maximize excess deposit
- Check images returned with statement
- Overdraft Protection via U.S. Bank Savings or Line of Credit (Subject to credit approval)
- Waive monthly maintenance fee with any one of the following monthly balances:
- Average collected balance of $10,000 in Edge Checking, or
- Combined average collected balance of $20,000 in Edge Checking and any U.S. Bank savings or money market account, or
- $50,000 in collected business deposit or business loan balances
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Premium Business Checking
- No minimum balance requirement
- Affordable monthly maintenance fee
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Businesses with high transaction activity and higher deposit balances that would like to benefit from an analyzed account |
Analyzed account; Maintenance and transaction fees can be offset by an earnings credit allowance based on account balance |
Analyzed account; Maintenance and transaction fees can be offset by an earnings credit allowance based on account balance |
- Low per transaction fee for debits, credits, and deposited items
- Business Savings Sweep option available to maximize excess deposit
- Analyzed account (transaction fees and monthly maintenance fee may be offset by a monthly earnings credit allowance based on deposited balances)
- Check images returned with statement
- Overdraft Protection via U.S. Bank Savings or Line of Credit (Subject to credit approval)
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