U.S. Bank Business Checking Options |
Free Small Business Checking |
Basic Business Checking with Interest |
Business Edge Checking |
Premium Business Checking |
Business Type |
Designed especially for start-up and at-home businesses with low to moderate transaction volume |
Designed especially for non-profits, sole proprietors and government organizations with low to moderate transaction volume |
Designed for businesses that have moderate activity that have other deposit or loan balances with U.S. Bank |
Designed for businesses with moderate to high transaction activity and higher deposit balances to help offset fees |
Minimum Balance to Avoid Monthly Maintenance Fee |
No minimum balance |
$2,000 minimum daily ledger or $3,000 average collected balance |
$10,000 average collected balance or $20,000 in total business deposits or $50,000 in business loan/lines and deposit balances |
Analyzed account; Maintenance and transaction fees can be offset by an earnings credit allowance based on account balance |
Monthly Maintenance Fee if Balance Falls Below Requirement |
No monthly maintenance fee |
$12 |
$15; waived if one of the 3 balance requirements are met |
Number of Transactions Free (checks, deposits, deposited items and other debits and credits) |
150 |
150 |
500 |
Fee for Each transaction over number Free |
$0.50 |
$0.50 |
$0.50 |
Check Images Returned with Statement |
Front Free, Front & Back $2.00 |
Front Free, Front & Back $2.00 |
Front Free, Front & Back $2.00 |
$8.00 plus $0.05 per item >100 |
Checks Returned with Statement |
$8.00 |
$8.00 |
$8.00 |
$8.00 |
Debit Card Access |
Yes |
Yes |
Yes |
Yes |
Overdraft Protection via U.S. Bank Savings or Line of Credit |
Yes |
Yes |
Yes |
Yes |
Online Banking Options and Electronic Bill Pay |
Free U.S. Bank Internet Banking |
Free U.S. Bank Internet Banking |
Free U.S. Bank Internet Banking |
Small Business Cash Management Services |
24-Hour Customer Service |
Yes |
Yes |
Yes |
Yes |
Other Options |
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Interest bearing option available for non-profits, sole-proprietors and government entities.
Business sweep option available* |
Interest bearing option available for non-profits, sole-proprietors and government entities.
Business sweep option available* |
