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
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.

Business Banking must-haves

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.
Silver Yes Gold Yes Platinum Yes Premium Yes

Free combined transactions3 per month

Enjoy flexiblity by choosing a working checking account that supports the needs of your business.
150 300 500 Analyzed account13

Cost per excess transaction

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

Free cash deposit units per month4

We give you the flexbility to manage your cash flow based on the needs of your business.
25 100 200 Analyzed account13

Interest-bearing option available5

Silver No Gold Yes Platinmum No Premium Yes
Put your money to work for you with our interest-bearing account options for high balance accounts.
Today's rates Today's rates

Discount on first check order6

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

Free mobile check deposits2

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.
No fee for first 20 deposits accepted per statement period; $0.50 fee per accepted deposit thereafter No fee for first 20 deposits accepted per statement period; $0.50 fee per accepted deposit thereafter Platinum Yes No fee for first 20 deposits accepted per statement period; $0.50 fee per accepted deposit thereafter

Platinum Business Money Market7

Make your money work for you with a Platinum Business Money Market account.
Silver Yes Gold Yes Platinum Yes Premium Yes
with no minimum balance required

Card payment processing8

Discounted Mobile Card Reader for $49 or a terminal for $399 when you sign up for our Clear & Simple pricing program through U.S. Bank Payment Solutions. (in-branch offer only)
Silver Yes Gold Yes Platinum Yes Premium Yes

Personal package checking9

Enjoy a waived monthly maintenance fee on Platinum and Gold accounts, or a 50% discount on maintenance fees for your Silver account.
Silver Yes Gold Yes Platinum Yes Premium Yes

Small Business Visa® Credit Cards10

Apply for a Visa® credit card to your account for additional flexibility with your expenses.
silver Yes Gold Yes Platinum Yes Premium Yes
Spend $2,500 in first four billing cycles and earn a $50 cash bonus on the Business Select Cash Rewards card or a 5,000 FlexPoints bonus on your FlexPerks® Business Travel Rewards card. Spend $2,500 in first four billing cycles and earn a $75 cash bonus on the Business Select Cash Rewards card or a 3,500 FlexPoints bonus on your FlexPerks® Business Travel Rewards card.

Monthly maintenance fee

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

$25

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

Silver Yes Gold es Platinum Yes Premium Yes

Ways to waive the monthly fee

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

Silver No Gold Yes Platinum Yes Premium Yes

Paper statement fee

Enjoy a waived monthly maintenance fee on Platinum and Gold accounts
$5.00 Free Free Free

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