Compare business checking accounts
This handy comparison chart may help you compare checking accounts, features and benefits to find the best fit for your business needs.
You are comparing the Silver, Gold, Platinum, Premium Debit accounts.
| Silver | Gold | Platinum | Premium | |||
| Simplicity, value and convenience for newer or smaller businesses. | Flexibility and value for businesses with moderate transaction levels. | Extra rewards and benefits for businesses with higher balances. | An analyzed account13 that puts higher balances to work for you. | |||
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Business Banking must-haves |
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| You'll get a U.S. Bank Visa® debit card, no-fee transactions at U.S. Bank ATMs1, and Online/Mobile Banking with mobile check deposit2, bill pay and more. | ||||||
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Free combined transactions3 per month |
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| Enjoy flexibility by choosing a working checking account that supports the needs of your business. | ||||||
| 125 | 300 | 500 | Analyzed account13 | |||
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Cost per excess transaction |
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| We know that the needs of your business change, that's why we give you the flexibility of additional transactions above your account limit each month for a fee. | ||||||
| $0.50 | $0.45 | $0.40 | N/A | |||
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Free cash deposit units per month4 |
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| We give you the flexibility to manage your cash flow based on the needs of your business. | ||||||
| 25 | 100 | 200 | Analyzed account13 | |||
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Interest-bearing option available5 |
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| Put your money to work for you with our interest-bearing account options for high balance accounts. | ||||||
| Today's rates | Today's rates | |||||
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Discount on first check order6 |
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| Reduce the initial expenses of setting up your new account with a discount on your initial check order. | ||||||
| 50% uo to $100 | 50% uo to $100 | 50% uo to $100 | ||||
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Free mobile check deposits2 |
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You can deposit checks anytime with your mobile device. Eligibility requirements and restrictions apply. Please refer to the Online and Mobile Financial Services Agreement for more information. |
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Analyzed account13 | |||
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Zelle(R) for eligible business accounts |
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| Save time by using Zelle to receive and send payments from your U.S. Bank business account. | ||||||
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Analyzed account13 | |||
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Platinum Business Money Market8 |
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| Make your money work for you with a Platinum Business Money Market account. | ||||||
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| with no minimum balance required | ||||||
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Card payment processing9 |
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| Access to flexible tools for debit and credit card processing through U.S. Bank Payment Solutions. | ||||||
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| Enjoy a waived monthly maintenance fee on Platinum and Gold accounts, or a 50% discount on maintenance fees for your Silver account. | ||||||
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Monthly maintenance fee |
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Fee amount $0 Monthly maintenance fee when below waiver options are met below $0 Fee amount $20 Monthly maintenance fee when below waiver options are met below $0 Fee amount $30 Monthly maintenance fee when below waiver options are met below $0 |
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Ways to waive the monthly fee |
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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 deposits11and outstanding business credit12 balances. Analyzed account13; maintenance and transaction fees can be offset by an earnings credit based on account balance |
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Paper statement fee |
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| Enjoy a waived monthly maintenance fee on Platinum and Gold accounts | ||||||
| $5.00 | Free | Free | Free | |||
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