What is a Platinum Business Checking Package?

A comprehensive business banking account with more free transactions, more free deposits and lower transaction fees than our other business checking accounts.

  • 550 free transactions per month1
  • 250 free cash deposit units per statement cycle2 3
  • 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 deposits4 and outstanding business credit balances5
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Get your $900 bonus

Promo Code: Q2PRO25

Offer valid through June 30, 2025.

Promo code will automatically be applied

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

  • Deposit at least $25,000 in new money within 30 days
  • Maintain at least $25,000 balance for 60 days after account opening.
  • Conduct five qualifying transactions within 60 days

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 ATMs6

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 order7

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 requirements8

$33 can be offset by an earnings credit based on account balance10

$20 or $0 monthly maintenance fee when you meet requirements8

$0

$0

Free transactions per statement cycle

550 combined transactions9

Not applicable, analyzed account11

350 combined transactions9

Unlimited digital transactions14

 

25 teller and paper transactions15

125 combined transactions9

Cost per excess transaction

$0.401

Not applicable, analyzed account11

$0.4512

$0.5015

$0.5017

Free cash deposit units per statement cycle3

2502

Not applicable, analyzed account11

12513

2516

2516

50% off first check order7

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

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.

Prefer to talk TO a banker?

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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.

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  1. 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.

  2. 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.

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

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

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

  6. 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.

  7. 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

  8. 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.

  9. 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. 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.

  11. 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.

  12. 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.

  13. 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.

  14. 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.

  15. 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.

  16. 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.

  17. 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.