Benefits of U.S. Bank business checking accounts

Online and mobile banking

  • Forecast cash flow, access payment tools and explore funding options via one dashboard.
  • Deposit checks online using your mobile device.

Options with no monthly maintenance fees

  • Pay no monthly maintenance fees for Silver business checking accounts.
  • For our Gold and Platinum packages, meet certain criteria to get monthly maintenance fees waived.1 How to waive the monthly maintenance fee

Protected funds

Everyday convenience

  • Make business purchases with your U.S. Bank Visa Debit card.
  • Use any of our 13,000 U.S. Bank ATMs nationwide for no fee.2
  • Set up overdraft protection to cover all surprises.3

Expertise with a 160-year history

For generations, business owners have trusted U.S. Bank with their financial needs.

Additional support and services

Get integrated planning with third-party accounting, budget management and tax programs to meet all your business needs.

Checking accounts that do more for your business

Silver Business Checking Account Package

Best for new or small businesses with basic banking account needs

  • $0 monthly maintenance fee
  • 125 free transactions per month4, 5
  • $0.50 fee for each additional transaction6
Apply now

Gold Business Checking Account Package

Best for businesses with more banking activity

  • $20 monthly maintenance fee, waivable1
  • 300 free transactions per month4, 7
  • $0.45 fee for each additional transaction8
Apply now

Platinum Business Checking Account Package

Best for mature businesses with higher balances

  • $30 monthly maintenance fee, waivable1
  • 500 free transactions per month4, 9
  • $0.40 fee for each additional transaction10
Apply now

How to waive the monthly maintenance fees

You can waive the monthly maintenance fee with one of the following:

  • U.S. Bank Payment Solutions Merchant Account
  • $10,000 average collected checking balance
  • $20,000 in combined average collected deposit balances11
  • $50,000 combined average collected business deposits and outstanding business credit balances12

You can waive the monthly maintenance fee with one of the following:

  • $25,000 average collected checking balance
  • $75,000 combined average collected business deposits11 and outstanding business credit balances12

More ways to choose the right account for you

Compare business checking accounts.

Get an in-depth look at the finer details of all our business checking account options.

Compare accounts

Get a recommendation.

Answer a few quick questions to determine which checking account will suit your business best.

Get started

Learn more about choosing the right checking account.

This FIQ article covers all the questions and factors you may want to consider when determining the right checking account for your business.

Read article

Need support? Schedule an appointment with a banker.

One of our bankers will help you find the right checking account to suit your business needs.

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Disclosures

  1. Monthly Maintenance Fee Waiver Options: Gold Business Checking: U.S. Bank Payment Solutions Merchant Banking OR $10,000 average collected balance OR $20,000 combined average collected business deposit balances OR $50,000 combined average collected business deposits and outstanding credit balances. Platinum Business Checking: $25,000 average collected balance OR $75,000 combined average collected business deposits and outstanding business credit balances.

  2. ATM Transaction Fee. U.S. Bank will assess this fee for each ATM Transaction (withdrawal, balance inquiry, denied transaction, funds transfer or deposit) conducted at the Non-U.S. Bank ATM. Non-U.S. Bank ATMs are defined as any ATM that does not display the U.S. Bank logo in any manner, physically on the ATM or digitally on the screen.

    ATM Surcharge. Non-U.S. Bank ATM owners may apply a surcharge fee on ATM transactions at their ATMs. U.S. Bank participates in MoneyPass®, an ATM surcharge free network. To find MoneyPass ATM locations, select “Show MoneyPass® ATM Network locations” in the ATM locator https:// locations. usbank.com/search.html. If you use an ATM that uses the MoneyPass® Network and are charged a surcharge fee, please contact us at 800-USBANKS (872-2657) for a refund of the surcharge fee.

    Please refer to the Business Pricing Information section titled “Other Service Fees” for a summary of ATM Transaction fees.

  3. To avoid overdraft fees and manage your overdraft protection, you can link another deposit account, credit product, or active U.S. Bank Business Credit Card account with the same account owner(s).

  4. 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. 

  5. $2,500 of free cash deposits or 25 free cash transactions, whichever comes first, per statement cycle. Cash deposit units are calculated by dividing each cash deposit amount by 100 and rounding the resulting value to a whole number. To determine rounding, less than $.50/$50 is rounded down and more than or equal to $.50/$50 is rounded up. Any deposit less than $150 equals one unit. Cash unit allowance applicable to all cash deposits in branch and through U.S. Bank partner ATMs, cash unit allowance not applicable to Cash Vault product. After free units per statement cycle the fee is $0.33 per unit.

  6. Transactions are $0.50 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.

  7. $10,000 of free cash deposits or 100 free cash transactions, whichever comes first, per statement cycle. Cash deposit units are calculated by dividing each cash deposit amount by 100 and rounding the resulting value to a whole number. To determine rounding, less than $.50/$50 is rounded down and more than or equal to $.50/$50 is rounded up. Any deposit less than $150 equals one unit. Cash unit allowance applicable to all cash deposits in branch and through U.S. Bank partner ATMs, cash unit allowance not applicable to Cash Vault product. After free units per statement cycle the fee is $0.33 per unit.

  8. 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.

  9. $20,000 of free cash deposits or 200 free cash transactions, whichever comes first, per statement cycle. Cash deposit units are calculated by dividing each cash deposit amount by 100 and rounding the resulting value to a whole number. To determine rounding, less than $.50/$50 is rounded down and more than or equal to $.50/$50 is rounded up. Any deposit less than $150 equals one unit. Cash unit allowance applicable to all cash deposits in branch and through U.S. Bank partner ATMs, cash unit allowance not applicable to Cash Vault product. After free units per statement cycle the fee is $0.33 per unit.

  10. 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 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.

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

  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 are offered by U.S. Bank National Association. Member FDIC.

Credit products offered by U.S. Bank National Association and are subject to normal credit approval and program guidelines.

FDIC insured to the maximum allowed by law.