What is a Platinum Business Checking Package?

The Platinum Business Checking account is a comprehensive business account with more free transactions, more free deposits and lower transaction fees than our other business checking accounts.

  • 550 free transactions per month2
  • 250 free cash deposit units per statement cycle3 4
  • Waive the $30 monthly maintenance fee with any one of the following:
    • U.S. Bank Payment Solutions Merchant Account
    • $25,000 average collected checking balance
    • $75,000 combined average collected business deposits5 and outstanding business credit balances6

Get your $900 bonus

Promo Code: Q2PRO25

Offer valid through June 30, 2025.

Promo code will automatically be applied.

 

Apply now

Open an eligible Platinum Business Checking Package and complete these required activities:

  • Deposit at least $25,000 in new money1within 30 days.
  • Maintain at least $25,000 balance6 for 60 days after account opening.

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 ATMs8

As a U.S. Bank account holder, you don’t pay any fees at U.S. Bank ATMs.

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 order9

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

Open a Platinum 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 business checking account.

Download the EZ Switch Kit PDF

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

Compare each of our business checking accounts to Platinum Business Checking by selecting from the “Account” menu.

 

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Features

Platinum Business Checking

Premium Business Checking

Gold Business Checking

U.S. Bank Business Essentials®

Silver Business Checking

Monthly maintenance fee

$30 or $0 monthly maintenance fee when you meet requirements10

$33 can be offset by an earnings credit based on account balance12

$20 or $0 monthly maintenance fee when you meet requirements10

$0

$0

Free transactions per statement cycle

550 combined transactions11

Not applicable, analyzed account13

350 combined transactions11

Unlimited digital transactions16

 

25 teller and paper transactions17

125 combined transactions11

Cost per excess transaction

$0.402

Not applicable, analyzed account13

$0.4514

$0.5017

$0.5019

Free cash deposit units per statement cycle4

2503

Not applicable, analyzed account13

12515

2518

2518

50% off first check order9

up to $100

Not available

up to $100

up to $50

up to $50

Paper statement

Free with or without check images

$6.50 without check images

 

$16 plus $0.045 per item over 100 items with check images

Free without check images

 

$6 with check images

$6.50 without check images

 

$9 with check images

$6.50 without check images

 

$9 with check images

Apply now or learn more

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

Qualifying transactions include: Debit card purchases, ACH credits, wire transfer credits and debits, Zelle® credits and debits, U.S. Bank mobile check deposit or bill pay.

Note: You must make all five qualifying transactions within 60 days of opening your account to receive your bonus.

Not eligible: Other transactions such as (but not limited to) other person-to-person payments, transfers to credit card or transfers between U.S. Bank accounts.

You’ll receive your bonus 30 days following the last calendar day of the month after you have met all qualifications. Review the qualifications below:

  • Deposit at least $25,000 of new money within 30 days.
  • Maintain at least $25,000 for 60 days after opening the account.
  • Complete five qualifying transactions within 60 days of opening an account to receive your bonus.

Your bonus will be paid out directly to your new U.S. Bank Platinum Business Checking account.

In order to qualify for the bonus promotion, you must maintain the daily balance requirement. If you do not meet the requirement, your account will still be in good standing, but you will no longer qualify for the cash bonus.

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.

Maintaining 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.

Yes, this promotion1  also applies to our Silver Business Checking Package. You can contact a banker for more details and to apply. Call 844-295-1117 Monday through Friday: 8 a.m. to 6 p.m. CT. or visit your local branch.

Prefer to talk TO a banker?

Make an appointment
Request a call
Call 800-673-3555
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. Promo code Q2PRO25 MUST be used when opening a U.S. Bank Business Essentials, Silver, or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.

    Bonus Options

    • Earn your $500 Business Checking bonus by opening a new U.S. Bank Business Essentials or Silver Business Checking account between 4/03/2025 and 6/30/2025. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.

    or

    • Earn your $900 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking account between 4/03/2025 and 6/30/2025. You must make deposit(s) of at least $25,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $25,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.

    Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.

    New money is considered money that is new to U.S. Bank. Funds must come from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.

    Bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.

    Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.

    All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. These documents can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.

    Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.

  2. 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.

  3. 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.

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

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

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

  7. The daily balance is the balance at the end of each business day, equal to the beginning balance for that day plus the current business day credits, minus the current business day debits. Business days are Monday through Friday; federal holidays are not included. 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).

  8. 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.

  9. 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

  10. 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.

  11. 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. 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.

  13. 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.

  14. 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.

  15. 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.

  16. 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.

  17. 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.

  18. 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.

  19. 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.