Mobile and online banking
Integrate your tools and accounting software in one dashboard to view account summaries, track your cash flow, transfer money, and initiate ACH and wire payments.
The U.S. Bank Gold Business Checking account features lower transaction fees and comes in both a traditional and an interest-bearing version so you can earn extra from your balance.
Explore ways to save with the following features:
Have this information handy before you apply:
Answer a few questions to find the right fit for your business.
Our business EZ Switch Kit includes five steps to complete your transfer to a U.S. Bank account.
Key differences |
Silver Business Checking |
Gold Business Checking |
Platinum Business Checking |
---|---|---|---|
Monthly maintenance fee |
$0 |
$20 or $0 monthly maintenance fee when you meet requirements4 |
$30 or $0 monthly maintenance fee when you meet requirements4 |
Free transactions per statement cycle7 |
125 free transactions per statement cycle |
350 free transactions per statement cycle |
550 free transactions per statement cycle |
Cost per excess transaction |
$0.50 8 |
$0.45 1 |
$0.40 10 |
Cash deposits3 |
$2,500 of free cash deposits or 25 free cash transactions, whichever comes first, per statement cycle 9 |
$12,500 of free cash deposits or 125 free cash transactions, whichever comes first, per statement cycle 2 |
$25,000 free cash deposits or 250 free cash transactions, whichever comes first, per statement cycle 11 |
50% discount on first check order5 |
up to $50 |
up to $100 |
up to $100 |
Electronic statement |
Free |
Free |
Free |
Paper statement without check images |
$6.00 |
Free |
Free |
Paper statement with front and back check images |
$9.00 |
$6.00 |
Free |
Apply now/learn more |
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Key differences
Monthly maintenance fee
$0
$20 or $0 monthly maintenance fee when you meet requirements4
$30 or $0 monthly maintenance fee when you meet requirements4
Key differences
Free transactions per statement cycle7
125 free transactions per statement cycle
350 free transactions per statement cycle
550 free transactions per statement cycle
Key differences
Cost per excess transaction
$0.50 8
$0.45 1
$0.40 10
Key differences
Cash deposits3
$2,500 of free cash deposits or 25 free cash transactions, whichever comes first, per statement cycle 9
$12,500 of free cash deposits or 125 free cash transactions, whichever comes first, per statement cycle 2
$25,000 free cash deposits or 250 free cash transactions, whichever comes first, per statement cycle 11
Key differences
50% discount on first check order5
up to $50
up to $100
up to $100
Key differences
Electronic statement
Free
Free
Free
Key differences
Paper statement without check images
$6.00
Free
Free
Key differences
Paper statement with front and back check images
$9.00
$6.00
Free
Key differences
Apply now/learn more
A monthly maintenance fee is a charge that an account holder may incur by having a checking account with a financial institution. At U.S. Bank, we strive to help our account holders waive this fee. You can waive the Gold Business Checking account monthly maintenance fee with one of the following:
U.S. Bank Payment Solutions Merchant Account
$10,000 average collected checking balance or $25,000 average collected checking balance on interest-bearing option.
$20,000 in combined average collected deposit balances12 or $50,000 in combined average collected balance on interest-bearing option12
$50,000 combined average collected business deposits12 and outstanding business credit balances.13
Having a business checking account offers several benefits. Managing your business finances effectively means keeping your personal and business finances separate. You can also track your business expenses, making it easier to monitor your financial health.
Having a business checking account with a positive transaction history can contribute to building a strong credit profile for your business and help you when it comes time to apply for a business loan or line of credit.
Plus, for tax preparation purposes, a separate business checking account will simplify record keeping.