Skip Navigation: Internet Banking Login

Your browser's version is not compatible. Please upgrade your browser.
Cancel Icon

Compare Business Checking Accounts

Compare Business Checking Accounts

Whether you’re focused on managing your cash-flow cycle, handling customer payments or minimizing fees, U.S. Bank has a business checking account and options that are right for you

Ready to Get Started?

Call Us
800-673-3555
 Business Package Checking1

Enjoy added benefits by opening a U.S. Bank Business Package checking account.

Specialized Business Checking1
 

Platinum Business Package

Gold Business Package

Silver Business Package

Premium Business Checking

 

Extra rewards and benefits for businesses with higher balances.

Flexibility and value for businesses with moderate transaction levels.

Simplicity, value and convenience for newer or smaller businesses.

An analyzed account that puts higher balances to work for you.

 
Everyday Benefits

Free combined transactions2 per month

500

300

150

Analyzed Account

Cost per excess transaction

$0.30

$0.40

$0.50

N/A

Free Cash Deposit Units per month3

200

100

25

Analyzed Account

Interest bearing option available4   
Online Banking, Mobile Banking5 & Bill Pay
Free U.S. Bank ATM transactions6
Discount on first check order7

50% up to $100

50% up to $100

50% up to $50

 
DepositPointTM transactions8Free

$0.50  per transaction

$0.50  per transaction

$0.50  per transaction

Front & back check images on bank statement per monthFree$6 $6 $6 
Package Benefits
Card Payment Processing9

Free Card Reader when you sign up for our Clear & Simple Pricing program through U.S. Bank Payment Solutions Merchant

Free Card Reader when you sign up for our Clear & Simple Pricing program through U.S. Bank Payment Solutions Merchant

Free Card Reader when you sign up for our Clear & Simple Pricing program through U.S. Bank Payment Solutions Merchant

ADP Payroll Services10$200 payroll credit for Full Service Payroll or $9.99 for the first three months for Do-It-Yourself Payroll$200 payroll credit for Full Service Payroll or $9.99 for the first three months for Do-It-Yourself Payroll$200 payroll credit for Full Service Payroll or $9.99 for the first three months for Do-It-Yourself Payroll
Viewpost® Invoicing and Payments

Create and Send Invoices for Free

Create and Send Invoices for Free

Create and Send Invoices for Free

Create and Send Invoices for Free

Platinum Business Money Market11

Introductory 3-month bonus interest rates & no minimum balance requirement

Introductory 3-month bonus interest rate

Introductory 3-month bonus interest rate

Personal Package Checking12

Waived monthly maintenance fee on Platinum

Waived monthly maintenance fee on Gold

50% discount on Gold monthly maintenance fee

Small Business Visa® Credit Cards13

Spend $2,500 in first four billing cycles and earn a $75 cash bonus on the Business EdgeTM Cash Rewards card or a 5,000 FlexPoints bonus on your FlexPerks® Business EdgeTM Travel Rewards card

Spend $2,500 in first four billing cycles and earn a $50 cash bonus on the Business EdgeTM Cash Rewards card or a 3,500 FlexPoints bonus on your FlexPerks® Business EdgeTM Travel Rewards card

Business Reserve Line Overdraft Protection14

No annual fee (first year)

No annual fee (first year)

No annual fee (first year)

Cash Flow Manager Line of Credit 

Preferred interest rates

 

Preferred interest rates

Quick Loan14
Business Equipment Financing15

Preferred interest rates

Preferred interest rates

 

Preferred interest rates

 
Remote Check Deposit8
Check Fraud Prevention
Fees and Fee Waiver Options
Monthly Maintenance Fee$25$20$0(Varies)
Options to Waive the Monthly Maintenance Fee

$25,000 average collected checking balance

---- or ----

$75,000 in combined business deposit and outstanding business credit balances 16

U.S. Bank Payment Solutions Merchant Account

---- or ----

$10,000 average collected checking balance or $15,000 average collected checking balance on interest bearing option

---- or ----

$20,000 in combined average collected deposit balances or $25,000 in combined average collected deposit balance on interest bearing option

---- or ----

$50,000 in combined business deposit and outstanding business credit balances16

 

Analyzed account; maintenance and transaction fees can be offset by an earnings credit based on account balance

Equal Housing Lender Equal Housing Lender

 

  1. See the U.S. Bank Your Deposit Account Agreement booklet and Business Pricing Information brochure for additional disclosures applicable to deposit accounts. Terms may change without notice. For the most current information about packages and benefits call your banker. Rewards and/or discounts apply as long as the Package checking account is open. Deposit products offered by U.S. Bank National Association. Member FDIC.

    Back To Text

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

    Back To Text

  3. Deposit units are calculated by dividing the dollar amount of each cash deposit transaction by 100 and rounding the resulting value to the nearest whole number.

    Back To Text

  4. Interest rates subject to change without notice.

    Back To Text

  5. The U.S. Bank Mobile app is free to download. Your mobile carrier may charge access fees depending upon your individual plan. Web access is needed to use Mobile app. Check with your carrier for specific fees and charges. Some mobile features may require additional online setup. Any fees for optional transactions will be identified during registration for these services and during their use.

    Back To Text

  6. A fee will be assessed for transactions conducted at non-U.S. Bank ATMs. Also a surcharge fee may be applied by the ATM owner, unless the ATM owner is a member of the MoneyPass ATM network.

    Back To Text

  7. Discount applies to business products offered by Deluxe Corporation.

    Back To Text

  8. To be eligible for DepositPoint, you must be a U.S. Bank Online Banking customer with direct ownership in a U.S. Bank Checking or Savings account and have no more than two returned deposited items in the past 3 months. There is up to a $0.50 fee per deposited check. Deposit limits and other conditions may apply. Use of DepositPoint in a location outside the United States is prohibited. Eligibility requirements, other conditions, and fees may apply.

    Back To Text

  9. Subject to credit approval. Fee reduction applicable only if fee is collected for service package purchased.

    Back To Text

  10. In order to receive credit, company must sign complete ADP sales order by December 31, 2014, start processing payroll by January 31, 2015 and continue processing for six consecutive months at the client's implemented pay frequency. Credit will be in the amount of $200 for Clients on the "ADP® Enhanced Payroll Bundle" with 1-99 employees and $200 for Clients on the "ADP® Complete with HR Bundle" with 4-99 employees and $200 for Clients on the "ADP® Complete with HR Plus Bundle" with 4-99 employees. Credit will be issued to clients in good standing and process consistently for 180 days at their implemented pay frequency. Eligible companies must use Direct Debit of Fees. Eligible clients will receive a deposit to Client's authorized bank account as indicated on the Client Account Agreement. Clients should receive the credit within 210 days of their first processing (180 days + 30 days for processing). Can't be combined with any other promotions and only available to new ADP Clients using RUN Powered by ADP® in the Continental U.S. payroll by July 8, 2014. Promotion will be reflected in Client’s first payroll invoice. Free payroll applies to companies with 1 to 49 employees and to all features of standard payroll processing invoiced on your regular processing cycle and does not include additional non-payroll services; excludes pass through costs, courier and other delivery fees, including off cycle fees, hardware, or penalty and interest fees. Only available to new ADP Clients using RUN Powered by ADP® in the Continental U.S. Service may be subject to credit approval. Other restrictions and fees may apply. See your banker for complete details.

    The $9.99 per month is for the Do-It-Yourself payroll processing option. This offer includes the first 5 employees and does not include any additional services. To qualify you must be a new Online Do-It-Yourself Payroll client and maintain a US Bank Business Checking Account for your ADP payroll. After the first three monthly invoices at $9.99, the monthly invoice will be the standard non-promotional rate of $39.99 per monthly invoice, including the first 5 employees. For additional employees, a charge of $1.99 per employee per monthly invoice will apply for payroll processing. Eligible companies must use Direct Debit of Fees. Can’t be combined with any other promotions and only available to new ADP clients using RUN Powered by ADP® Do-It-Yourself Payroll in the Continental U.S.

    Back To Text

  11. For Platinum Business Money market accounts with $1 million or greater in balances, the bonus rate does not apply. Please see your banker for details. Rates are variable and subject to change at any time without notice.

    Back To Text

  12. Discount applies only to monthly maintenance fees; all other fees apply.

    Back To Text

  13. Subject to credit approval. See your cardmember agreement for more details. The creditor and issuer of these cards is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

    Back To Text

  14. Subject to normal credit approval and program guidelines. Some restrictions and fees may apply. The Cash Flow Manager Line of Credit rate is variable. Rates are tied to Wall Street Journal Prime Rate and are subject to change daily. Interest rates may vary based on market conditions, borrower’s credit history, line of credit term, and other factors. A discount will be applied to the otherwise applicable rate, as determined by U.S. Bank in its sole and absolute discretion. See your banker for complete details.

    Back To Text

  15. Subject to credit approval. Discount applies to standard rate and cannot be combined with any other promotion offer. Preferred interest rates apply to the Business Packages (Silver, Gold, Platinum) and are subject to change based on market conditions. All other fees apply. Please see a banker for details.

    Back To Text

  16. Business deposits or outstanding business credit balances only; personal deposit/credit balances do not apply. Balances are verified three days prior to the last day of your cycle.

    Back To Text

Equal Housing Lender Equal Housing Lender

 

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

 

The issuer of the U.S. Bank Business EdgeTM Check card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

Unsupported Browser

Unsupported Browser

We've detected that you are currently accessing this site using an older version of Internet Explorer. We have not designed this site to support older versions of Internet Explorer. Therefore, you may encounter issues with how the site is displayed and how you can navigate through the site when using this older browser. We highly recommend you upgrade your current browser or download a new version of a different browser.

Upgrade Internet Explorer

Alternatively, you may want to download a new version of a different browser: