What is a Gold Business Checking Package?

The U.S. Bank Gold Business Checking account features lower transaction fees and comes in both traditional and interest-bearing versions (today’s rates1) so you can earn extra from your balance.

  • 350 free transactions per statement cycle2

  • 125 free cash deposit units per statement cycle 3,4

  • $20 or $0 monthly maintenance fee when you meet requirements5

  • 50% discount on first check order with Deluxe™ up to $1006

  • Shared access for employees

Apply now Make an appointment

Benefits included in every U.S. Bank business checking account.

Mobile and online banking

Integrate your tools and accounting software in one dashboard to view account summaries with electronic statements, track your cash flow, transfer money, and initiate ACH and wire payments.

Mobile check deposit

Deposit checks into your U.S. Bank account by taking photos of your check using your mobile device. 

No-fee transactions at U.S. Bank ATMs  7

As a U.S. Bank account holder, enjoy zero fees at any U.S. Bank ATM. 

U.S. Bank Business Visa® Debit Card

Use your business checking debit card to pay for business purchases or at 13,000 ATMs nationwide. 

Bill pay

When you pay your bills from your account via online and mobile banking, we send the payments directly to your billers.

Discount on your first check order  6

With a business checking account package, you’ll receive a 50% discount off your first order.

Open a Gold Business Checking Package

Have this information handy before you apply:

Apply now
  • Your SSN, personal address, email address and mobile phone number

  • Your business’s Taxpayer Identification Number (EIN, SSN, ITIN)

  • Name, email address and mobile phone number for owners (with 25% or more ownership) of the company

  • Start with a $100 deposit and transfer more funds as you grow.

  • Learn more about application requirements based on your business structure

Let us help you find the best checking account to suit your business needs.

Get a checking account recommendation.

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

Get a recommendation

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

Our business EZ Switch Kit includes five steps to complete your transfer to a U.S. Bank account.

Download the EZ Switch Kit (PDF)

Which U.S. Bank checking account is right for your business? 

Key differences

Silver Business Checking

Gold Business Checking

Platinum Business Checking

Monthly maintenance fee

$0

$20 or $0 monthly maintenance fee when you meet requirements5

$30 or $0 monthly maintenance fee when you meet requirements5

Free transactions per statement cycle8

125 free transactions per statement cycle

350 free transactions per statement cycle

550 free transactions per statement cycle

Cost per excess transaction

$0.509

$0.452

$0.4011

Cash deposit units4

25 free cash deposit units per statement cycle10

125 free cash deposit units per statement cycle3

250 free cash deposit units per statement cycle12

50% discount on first check order6

up to $50

up to $100

up to $100

Paper statement

$6.50 without check images

$9.00 with check images

Free without check images

$6.00 with check images

Free with or without check images

Apply now/learn more

Key differences

Monthly maintenance fee

Silver Business Checking

$0

Gold Business Checking

$20 or $0 monthly maintenance fee when you meet requirements5

Platinum Business Checking

$30 or $0 monthly maintenance fee when you meet requirements5

Key differences

Free transactions per statement cycle8

Silver Business Checking

125 free transactions per statement cycle

Gold Business Checking

350 free transactions per statement cycle

Platinum Business Checking

550 free transactions per statement cycle

Key differences

Cost per excess transaction

Silver Business Checking

$0.509

Gold Business Checking

$0.452

Platinum Business Checking

$0.4011

Key differences

Cash deposit units4

Silver Business Checking

25 free cash deposit units per statement cycle10

Gold Business Checking

125 free cash deposit units per statement cycle3

Platinum Business Checking

250 free cash deposit units per statement cycle12

Key differences

50% discount on first check order6

Silver Business Checking

up to $50

Gold Business Checking

up to $100

Platinum Business Checking

up to $100

Key differences

Paper statement

Silver Business Checking

$6.50 without check images

$9.00 with check images

Gold Business Checking

Free without check images

$6.00 with check images

Platinum Business Checking

Free with or without check images

Key differences

Apply now/learn more

Silver Business Checking

Gold Business Checking

Platinum Business Checking


Save money by waiving the monthly maintenance fee on your Gold Business Checking account.

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.1

  • $20,000 in combined average collected deposit balances13 or $50,000 in combined average collected balance on interest-bearing option1,13

  • $50,000 combined average collected business deposits13 and outstanding business credit balances.14

 

Explore helpful resources.

Five reasons why your small business deserves its own bank account

Read more

Common small business banking questions answered

Read more

How to choose the right business checking account

Read more

Frequently Asked Questions

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.

Prefer to talk TO a banker?

Make an appointment
Request a call
Call 855-505-1775
Find a branch
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 refer to Your Deposit Account Agreement (YDAA).

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

U.S. Bank and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.

U.S. Bank Payment Solutions are powered by Elavon, a wholly owned subsidiary of U.S. Bank NA, and may have different privacy and security policies than U.S. Bank. For additional details, refer to the information found on the U.S. Bank Payment Solutions Privacy & Terms of Service page.

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

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

Start of disclosure content

  1. Interest rates subject to change without notice.

  2. 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.

  3. 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.

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

  5. 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: 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. 

  6. 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

  7. 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.

  8. 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. 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.

  10. 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.

  11. 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.

  12. 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.

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

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