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Gold Business Package

Gold Business Package

Flexibility and value-added solutions you need to run your business.

If your business has significant transaction activity, the Gold Business Package offers more ways to save, helping you manage cash flow and meet the demands of your business.

Every Gold Business Package Checking account includes:

  • 300 free transactions per statement cycle1
  • $0.45 per transaction over the free combined transactions
  • 100 free cash deposit units per statement cycle2
  • Interest bearing option available (view rates)3
  • Online Banking, Mobile Banking4, Bill Pay and Account Alerts, and U.S. Bank ATM transactions5
  • 50% discount on first check order up to $1006

Additional Value Added Benefits:

All U.S. Bank business packages and accounts provide access to the following:

  • Online Banking for Business – Manage your business finances and pay bills 24/7, when and where it’s convenient for you.
  • Remote Check Deposit – Choose from entry-level solutions that allow you to use your own scanner to high-end systems for businesses that receive a large volume of checks.
  • Check Fraud Prevention – With U.S. Bank’s Positive Pay, you can take preventive measures against check fraud, helping decrease the risk to your business.
  • Card Payment Processing – Improve cash flow, minimize collections risk and better serve your customers while meeting stringent security standards to protect cardholder data.
  • Business Reserve Line – A $1,000 to $5,000 unsecured line of credit for overdraft protection (subject to credit approval).
  • Business EdgeTM Debit Card – A convenient way to get cash from ATMs and many retail establishments. You can also use your check card instead of cash or checks for everyday purchases.

Monthly Maintenance Fee

  • $20

Options to Avoid the Monthly Maintenance Fee:

  • Purchase of U.S. Bank Payment Solutions Merchant Banking
  • $10,000 average collected checking balance11 OR $25,000 average collected checking balance on interest bearing option11 OR
  • $20,000 in combined average business deposit balances11 $50,000 average collected checking 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 balances on interest bearing option12

Item Fees

  • $0.45 for each transaction above 300 per statement cycle

With these documents, you can open an account today.

To open a U.S. Bank Business Package or account, just bring the following documents to any U.S. Bank branch office.

Find a Branch Near You
Employer Identification Number (EIN) or tax ID number

Your business’s Employer Identification Number (EIN) or tax ID number (Sole proprietors can use owner’s Social Security number)

Document showing when organization was formed

Articles of Incorporation, Articles of Organization, charter, or a similar legal document that shows when your company was formed (not required for sole proprietors)

Government-issued photo ID

A government-issued photo ID and Social Security numbers for you and anyone else authorized to sign checks or make transactions on behalf of your organization

We’ll also need the following legal documentation specific to the legal structure of your business.

  • Sole Proprietorship – Assumed Name Certificate (Doing Business As)
  • Partnerships (all types) – A partnership agreement listing the name of the partnership and the general partners
  • Limited Liability Corporation (LLC) – Articles of Organization listing the names of members and managers
  • Corporation – Articles of Incorporation
  • Nonprofit Organization – A charter or other governing documents listing each member-elected officer

Making the switch to U.S. Bank is easier than you think.

Just follow the step-by-step instructions on our Make the Switch to U.S. Bank page.

Note: Other conditions and restrictions may apply. Terms may change without notice.

  1. 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.

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

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  3. Interest rates subject to change without notice.

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  4. 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 the 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 indentified during registration for these services and during their use.

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  5. Non-U.S. Bank ATM owners will apply a surcharge fee unless they participate in the MoneyPass® Network. To find MoneyPass ATM locations, please visit

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

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  7. Offer only available to new customers who sign up for a qualifying Clear & Simple Pricing Plan. Application must be submitted 7. in-branch by your banker and is subject to approval. Limit one offer per customer. Other restrictions may apply. Talk with your banker for complete details

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  8. The introductory bonus will be applied to a new Platinum Business Money Market account when a customer also participates in one of the Business Banking Packages (Silver, Gold, Gold with Interest, or Platinum). The bonus interest rate and APY will be added to the standard variable interest rate and APY in effect at that time. At the end of the bonus period, the bonus will be removed and the standard variable interest rate and APY will apply. The bonus interest rate and APY cannot be applied more than once per customer. For Platinum Business Money Market accounts with $1 million or greater in balances, the bonus APY does not apply. Offer is valid for new U.S. Bank Platinum Business accounts only, not subject to other business savings accounts, or savings account transfers into the U.S. Bank Platinum Business Money Market account. Rates and bonus periods are variable and subject to change, please see a banker for details.

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  9. Subject to credit approval. Spend $2,500 in the first four billing cycles and earn a cash bonus on your Business Cash Rewards card or a FlexPoints bonus on your FlexPerks® Business Travel Rewards card. 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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  10. Discount applies only to monthly maintenance fees; all other fees apply.

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  11. Business deposit balances only. Balances will be verified 2 days prior to the last day of your statement cycle.

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  12. Business credit outstanding balances only. Balances will be verified 2 days prior to the last day of your statement cycle.

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


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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