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Features

U.S. Bank Business Essentials®

Platinum Business Checking

Gold Business Checking

Premium Business Checking

Silver Business Checking

Description

Business checking and card payment processing combined in one simplified solution

Extra benefits for businesses with high balances and transaction activity

Flexibility and value for businesses with moderate transaction activity

An analyzed account12 that puts higher balances to work for you

Simplicity, value and convenience for new or small businesses

Monthly maintenance fee

$0

$30 or $0 when you meet requirements6

$20 or $0 when you meet requirements6

$33 can be offset by an earnings credit based on account balance13 

$0

Free transactions per statement cycle

Unlimited digital transactions3

25 teller and paper transactions4

550 combined transactions7

350 combined transactions7

Not applicable, analyzed account12

125 combined transactions7

Cost per excess transaction

$0.504

$0.408

$0.4510

Not applicable, analyzed account12

$0.5014

Free cash deposit units per statement cycle1

255

2509

12511

Not applicable, analyzed account12

255

50% off first check order2

Up to $50

Up to $100

Up to $100

Not available

up to $50

Electronic statement

$0

$0

$0

$0

$0

Paper statement without check images

$6.50

$0

$0

$6.50

$6.50

Paper statement with front and back check images

$9

$0

$6

$16.00 plus $0.045 per item over 100 items

$9

Apply now or Learn more

We have solutions for every type of business.

Nonprofit checking account

  • Ideal features for nonprofit organizations with unique needs
  • No monthly maintenance fee and no minimum balance restriction
  • 1,800 free transactions per calendar year7
  • 300 free cash deposit units per calendar year15
Apply now Learn more

Enjoy the benefits that come with U.S. Bank business checking accounts.

U.S. Bank Business Essentials, Silver, Gold and Platinum Business Checking accounts include:

U.S. Bank Visa® debit card

Mobile check deposit

No-fee transactions at U.S. Bank ATMs16

Bill pay

Online and mobile banking

Discount on your first check order2

 

How to waive the monthly maintenance fee

Unsure which account is right for you?

Answer a few questions to find the right fit for your business. 

What do I need to open an account?

Learn more about application requirements based on your business structure.

Switch to a U.S. Bank business checking account.

Our EZ Switch Kit makes opening a new business checking account seamless. 

Ready to get started?

Find a branch
Make an appointment
Request a call
Call 866-239-8505
Start of disclosure content

Disclosures

For additional information call 855-955-2760 or visit your local branch for a copy of Business Pricing Information disclosure or Business Essentials Pricing Information disclosure or refer to Your Deposit Account Agreement (YDAA).

Eligibility requirements and restrictions apply. Please refer to the Digital Services Agreement for more information.

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

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

  1. Footnote 1

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

    Return to content, Footnote 1
  2. Footnote 2

    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

    Return to content, Footnote 2
  3. Footnote 3

    Digital transactions include electronic deposits, electronic withdrawals, ATM transactions, Elavon payment processing credits and chargebacks, electronic transfers, ACH, debit card purchases. Certain transactions may have additional service fees. Refer to U.S. Bank Business Essentials® Pricing Information or contact your Business Banker for complete pricing information.

    Return to content, Footnote 3
  4. Footnote 4

    Teller transactions include deposits and withdrawals made with a banker/teller at a branch and paper checks written on the account. Transactions are $0.50 each once free transactions are surpassed. Certain transactions may have additional service fees. Refer to U.S. Bank Business Essentials® Pricing Information or contact your Business Banker for complete pricing information.

    Return to content, Footnote 4
  5. Footnote 5

    25 free cash deposit units 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 $0.50/$50 is rounded down and more than or equal to $0.50/$50 is rounded up. Any deposit less than $150 equals one unit. Examples: $782.00 equals 8 units, $440.52 equals 4 units. 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.

    Return to content, Footnote 5
  6. Footnote 6

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

    Return to content, Footnote 6
  7. Footnote 7

    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. 

    Return to content, Footnote 7
  8. Footnote 8

    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.

    Return to content, Footnote 8
  9. Footnote 9

    250 free cash deposit units 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 $0.50/$50 is rounded down and more than or equal to $0.50/$50 is rounded up. Any deposit less than $150 equals one unit. Examples: $782.00 equals 8 units, $440.52 equals 4 units. 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.

    Return to content, Footnote 9
  10. Footnote 10

    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.

    Return to content, Footnote 10
  11. Footnote 11

    125 free cash deposit units 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 $0.50/$50 is rounded down and more than or equal to $0.50/$50 is rounded up. Any deposit less than $150 equals one unit. Examples: $782.00 equals 8 units, $440.52 equals 4 units. 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.

    Return to content, Footnote 11
  12. Footnote 12

    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.

    Return to content, Footnote 12
  13. Footnote 13

    Earnings Credit Rates may change at any time without prior notice. Earnings Credit: Average Collected Balance Available for Earnings Credit Services (x) Earnings Credit Rate (x) Actual Days in Month (÷) 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.

    Return to content, Footnote 13
  14. Footnote 14

    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.

    Return to content, Footnote 14
  15. Footnote 15

    300 free cash deposit units per calendar year. 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 $0.50/$50 is rounded down and more than or equal to $0.50/$50 is rounded up. Any deposit less than $150 equals one unit. Examples: $782.00 equals 8 units, $440.52 equals 4 units. 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 annual free units the fee is $0.33 per unit.

    Return to content, Footnote 15
  16. Footnote 16

    ATM Transaction Fee. U.S. Bank will assess this fee for each ATM Transaction 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.

    Return to content, Footnote 16
  17. Footnote 17

    Business deposit balances only. Balances will be verified 1 day prior to the last day of your statement cycle.

    Return to content, Footnote 17
  18. Footnote 18

    Business credit outstanding balances only. Balances will be verified 1 day prior to the last day of your statement cycle.

    Return to content, Footnote 18