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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

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 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   
Free 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 $100

 
Preferred 24-hour Customer Service line  
DepositPointTM transactions8Free

$0.50  per transaction

$0.50  per transaction

$0.50  per transaction

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

$50 off new account setup fee when opening new merchant account relationship

$50 off new account setup fee when opening new merchant account relationship

ADP Payroll Services10First month of payroll processing freeFirst month of payroll processing freeFirst month of payroll processing free
Platinum Business Money Market11

Introductory bonus interest rates & no minimum balance requirement

Introductory bonus interest rates

Introductory bonus interest rates

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 Business 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 $50 cash bonus on Business Cash Rewards card or a 3,500 FlexPoints bonus on your FlexPerks® Business 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 Credit14 

Preferred interest rates

 

Preferred interest rates

Quick Loan14
Business Equipment Financing15

Preferred interest rates

Preferred interest rates

 

Preferred interest rates

 
Remote Check Deposit
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 15

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

  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.

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  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.

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  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.

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  4. Interest rates subject to change without notice.

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  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.

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  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.

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

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  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.

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

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  10. In order to receive one month free payroll processing, company must sign complete ADP sales order or accept any applicable online terms of service by July 1, 2014 and start processing 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.

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  11. The bonus interest rates will be added to the standard variable interest rate and APY in effect at that time for a 3-month period. At the end of the 3-month period, the bonus interest rate will be removed and the standard variable interest rate and APY will apply. 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.

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

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  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.

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  14. Subject to credit approval. Other fees may apply. Please see a banker for details. Cash Flow Manager Line of Credit preferred interest rates apply to Gold and Platinum Business Packages are a subject to change based on market conditions. Lines of credit, including business credit cards, are offered by U.S. Bank, National Association.

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  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.

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  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.

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

 

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

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