Compare business checking accounts.

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 “visit the MoneyPass locator” at the bottom of our ATM locator search results to be taken to the MoneyPass website. 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.

Discount applies to business products offered by Deluxe Corporation. Discounts are as follows:

Silver Business Checking Account Package: 50% off first order up to $50
Gold Business Checking Account Package: 50% off first order up to $100
Platinum Business Checking Account Package: 50% off first order up to $100
Business Essentials: 50% off first order up to $50

Analyzed accounts are eligible for earned credits to offset transaction, maintenance and other fees associated with account activity. Visit a U.S. Bank branch for more details.

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. 

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

Interest rates subject to change without notice.

To send money to or receive money from a small business, a consumer must be enrolled with Zelle® through their bank’s mobile app. Small businesses are not able to enroll in the Zelle® app and cannot receive payments from consumers enrolled in the Zelle® app. Terms and conditions apply.

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. Effective August 12, 2024, U.S. Bank Payment Solutions Merchant Banking will be included as an option for the Monthly Maintenance Fee waiver for Platinum Business Checking.

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

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

Earnings Credit Rates may change at any time without prior notice. Earnings Credit: Average Collected Balance Available for Earnings Credit Services / Earnings Credit Rate / Actual Days in Month X Actual Days in Year. Refer to your Customer Analysis Statement for your current Earnings Credit Rate. For additional information call 855-955-2760 or visit your local branch to talk with a Business Banker.