U.S. BANK GOLD BUSINESS CHECKING PACKAGE

Greater transaction flexibility with more benefits

A U.S. Bank Gold Business Checking Package offers a variety of products and services to help save you time and money.

  • Minimize risk with fraud prevention tools.

  • Transfer money and pay multiple billers at once.

  • Forecast cash flow with a business banking dashboard.

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What is a Gold Business Checking Package?

A Gold Business Checking account features lower transaction fees and comes in both traditional and interest-bearing versions (today’s rates1) so you can earn extra from your balance.

  • $20 or $0 monthly maintenance fee when you meet the requirements2

    Waive the $20 monthly maintenance fee with any 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.1
    • $20,000 in combined average collected deposit balances3 or $50,000 in combined average collected balance on interest-bearing option.1
    • $50,000 combined average collected business deposits3 and outstanding business credit balances.4

  • 350 free transactions per statement cycle5

  • 125 free cash deposit units per statement cycle6 7

  • 50% discount on first check order with DeluxeTM up to $1008

Apply now

  • $20 or $0 monthly maintenance fee when you meet the requirements2

    Waive the $20 monthly maintenance fee with any 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.1
    • $20,000 in combined average collected deposit balances3 or $50,000 in combined average collected balance on interest-bearing option.1
    • $50,000 combined average collected business deposits3 and outstanding business credit balances.4

  • 350 free transactions per statement cycle5

  • 125 free cash deposit units per statement cycle6 7

  • 50% discount on first check order with DeluxeTM up to $1008

Apply now

Not sure if this is the right account?

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Benefits included with the U.S. Bank Gold Business Checking account

Protect your business from fraud.

Safeguard your business from check and credit card fraud in compliance with the Payment Card Industry Data Security Standard (PCI DSS). Plus, you re covered with zero fraud liability9 for unauthorized transactions.

Manage your finances from anywhere.

Stay on top of your business finances with our award-winning mobile app10 and online banking. Manage cash flow, pay bills, make payments, deposit checks, and connect payroll from virtually anywhere.

Access your banking your way.

Get the access and support your business needs with more than 2,000 branches, fee free transactions at over 13,000 ATMs,11 and dedicated assistance when you need its.

Earn extra cash back.

Choose the U.S. Bank Business Essentials™ Card that's right for your business and earn unlimited 2% cash back on every purchase. Unlock even more cash back when paired with qualifying checking balances in a qualified business checking account.12

Getting started with a U.S. Bank checking account

Collect necessary documents for the application.

  • Your business’s Employer Identification Number (EIN) or tax ID number (sole proprietors can use the owner’s Social Security number)
  • Articles of Incorporation, Articles of Organization, or a charter or a similar legal document that indicates when your company was formed (not required for sole proprietors)
  • Government-issued photo ID and Social Security number for you and anyone else authorized to sign checks or make transactions on behalf of your organization
See all application requirements

Open your checking account.

Once you’ve opened your account, move funds seamlessly.

Download the EZ Switch Kit (PDF)

Common questions about U.S. Bank Gold Business Checking

Having a business checking account offers several benefits. Managing your business finances effectively means keeping your personal and business finances separate. You can also track your business expenses, making it easier to monitor your financial health.

Plus, for tax preparation purposes, a separate business checking account could simplify record keeping.

Yes, you can write checks, pay bills and make electronic transfers just like you would with a personal checking account.

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Let’s connect.

Explore locations

Find the U.S. Bank branch nearest you.

Make an appointment

Schedule a virtual or in-person meeting with a business banker.

Request a call

Fill in details about your banking needs and a representative will call you.

Call us

Call  800-673-3555 to talk with a representative right away.

Looking for something else?

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Disclosures

  1. Interest rates subject to change without notice.

  2. Monthly Maintenance Fee Waiver Options for Gold Business Checking: U.S. Bank Payment Solutions OR $10,000 average collected account balance OR $20,000 combined average collected balances across all U.S. Bank business deposit accounts OR $50,000 combined average collected balances and outstanding credit balances. Gold interest-bearing account available with fee waiver options of $25,000/$50,000/$75,000 average collected balances. See banker for details.

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

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

  5. Transactions are $0.45 each once free transactions are surpassed. 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.

  6. 125 free cash deposit units per statement cycle. Cash deposit units are calculated by dividing each cash deposit amount by 100 and rounding the resulting value to a whole number. To determine rounding, less than $0.50/$50 is rounded down and more than or equal to $0.50/$50 is rounded up. Any deposit less than $150 equals one unit. Examples: $782.00 equals 8 units, $440.52 equals 4 units. Cash unit allowance applicable to all cash deposits in branch and through U.S. Bank partner ATMs, cash unit allowance not applicable to Cash Vault product. After free units per statement cycle the fee is $0.35 per unit.

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

  8. Discount applies to business products offered by Deluxe Corporation™. Discount does not apply to eChecks. The offer can be used in online or mobile banking, at a branch or by calling Deluxe. Additional sales tax and shipping fees may apply. 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

  9. Zero fraud liability – U.S. Bank provides zero fraud liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply. See the Electronic Fund Transfers section in Your Deposit Account Agreement (PDF)  for details.

  10. Digital financial services benchmarking firm Keynova Group ranked U.S. Bank #1 for mobile banking apps in its Q3 2024 Mobile Banker Scorecard.

  11. 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.

  12. U.S. Bank Business Essentials™ Visa® and U.S. Bank Business Essentials™ Plus Visa Signature® offer the Business Essentials Earning Bonus when paired with a Qualifying Business Checking Account. Eligibility for, and the applicable level of, the Business Essentials Earning Bonus is based on business-level ownership of a Qualifying Business Checking Account and meeting applicable Qualifying Balance requirements as determined under the credit card rewards program terms. Business-level ownership means the qualifying business checking account and the U.S. Bank Business Essentials™ Visa® or U.S. Bank Business Essentials™ Plus Visa Signature® are owned by the same business entity and operate under the same Tax Identification Number (TIN). The Business Essentials Earning Bonus applies only to U.S. Bank Business Essentials™ Visa® and U.S. Bank Business Essentials™ Plus Visa Signature® rewards program and does not provide additional discounts or fee waivers on deposit accounts.

    Qualifying Business Checking Accounts include the following new and/or existing account types: U.S. Bank Business Essentials®, U.S. Bank Gold Business Checking, Gold Business Checking with Interest and U.S. Bank Platinum Business Checking.

    See Business Essentials Visa Card and Business Essentials Plus Visa Signature Card for additional information specific to the credit card details.

    Qualifying balances are based on balances held in one or more Qualifying Business Checking Accounts owned by the same business and may be combined across such accounts for purposes of determining eligibility.

    Balance calculations used to determine the Business Essentials Earning Bonus apply only to the credit card rewards program and do not affect interest rates, fees, or benefits on your deposit accounts or other U.S. Bank products.

    Balances held in U.S. Bank investment, trust and/or consumer accounts are not eligible for the Business Essentials Earning Bonus under this program.

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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 Business Essentials Pricing Information disclosure or refer to Your Deposit Account Agreement (YDAA).

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

U.S. Bank and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.

The U.S. Bank Visa® Debit Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

The creditor and issuer of these cards is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. or Mastercard International Incorporated, and the cards are available to United States residents only. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

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.

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