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Platinum Business Package

Platinum Business Package

Rewarding your business for excess cash balances.

This complete financial package is ideal for businesses with excess cash balances. It offers ready access to a wide array of solutions, helping you meet day-to-day needs with ease and capitalize on opportunities when the time
is right.

Every Platinum Business Package Checking account includes:

  • 500 free transactions per statement cycle1
  • $0.40 per transaction over the free combined transactions
  • 200 free cash deposit units per statement cycle2
  • Online Banking, Mobile Banking3, Bill Pay and Account Alerts, and U.S. Bank ATM transactions4
  • 50% discount on first check order up to $1005
  • Free DepositPoint transactions6
  • Free front and back images on your monthly checking account statement

The Platinum Business Package gives you these valuable extras:

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

  • $25

Options to Avoid the Monthly Maintenance Fee:

  • $25,000 in average collected business checking balances14 OR
  • $75,000 in combined business deposit and outstanding business credit balances14

Item Fees

  • $0.40 for each transaction above 500 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 $0.40 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 EdgeTM Debit Card. The U.S. Bank Business EdgeTM 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. 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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  4. 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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  5. Discount applies to business products offered by Deluxe Corporation.

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  6. 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. Use of DepositPoint in a location outside the United States is prohibited.

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  7. Offer valid to new customers who sign up for a qualifying Clear & Simple Pricing Plan. Application subject to approval. Limit one offer per customer. Other restrictions may apply. Talk with a banker for complete details.

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  8. In order to receive credit, company must sign complete ADP sales order by May 31, 2015,  start processing payroll by June 30, 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.

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  9. 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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  10. Subject to credit approval. Spend $2,500 in the first four billing cycles and earn a cash bonus on your Business EdgeTM Cash Rewards card or a FlexPoints bonus on your FlexPerks® Business EdgeTM 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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  11. Discount applies only to monthly maintenance fees; all other fees apply.

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  12. Subject to credit approval. Other fees may apply. Please see a banker for details. Cash Flow Manager Line of Credit preferred interest rates are 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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  13. Subject to credit approval. Discount applies to standard rate and cannot be combined with any other promotion offer. Preferred interest rates are subject to change based on market conditions. All other fees apply. Please see a banker for details.

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  14. Business deposit or outstanding credit balances only; personal deposit/credit balances do not apply. Balances are verified three 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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