U.S. Bank Platinum Business Checking Package

Earn $1,200 for your business.1

Designed for established businesses with more complex banking needs, the Platinum Business Checking Package comes with top-tier perks, protections and personal support. Waive the $30 monthly maintenance fee when you meet requirements. 2

Offer valid through March 31, 2026.

  • Minimize risk with fraud prevention tools

  • Transfer money and pay multiple billers at once

  • Forecast cash flow with a business banking dashboard

Apply now Make an appointment

What is a Platinum Business Checking account?

A Platinum Business Checking account is ideal for large, established businesses that maintain high daily balances and transaction volume.

 

It includes the most free cash deposits, in-branch and paper transactions per statement cycle of any U.S Bank business checking account.

  • $30 or $0 monthly maintenance fee when you meet requirements2

    Waive the $30 monthly maintenance fee with any one of the following:

    • U.S. Bank Payment Solutions
    • $25,000 average collected checking balance
    • $75,000 combined average collected business deposits3 and outstanding business credit balances4

  • 550 free transactions per statement cycle5

  • 250 free cash deposits per statement cycle 6 7

  • 50% discount on first check order with Deluxe™ up to $1008

  • Free images of front and back of checks with each statement

Apply now

  • $30 or $0 monthly maintenance fee when you meet requirements2

    Waive the $30 monthly maintenance fee with any one of the following:

    • U.S. Bank Payment Solutions
    • $25,000 average collected checking balance
    • $75,000 combined average collected business deposits3 and outstanding business credit balances4

  • 550 free transactions per statement cycle5

  • 250 free cash deposits per statement cycle 6 7

  • 50% discount on first check order with Deluxe™ up to $1008

  • Free images of front and back of checks with each statement

Apply now

Not sure if this is the right account?

 Compare all checking accounts

Earn $1,200 for your business.1

Open an eligible Platinum Business Checking Package by March 31, 2026, and complete these required activities:

  •

    Deposit at least $25,000 in new money1 within 30 days.

  •

    Maintain at least $25,000 balance9 for 60 days after account opening.

  •

    Conduct six qualifying transactions within 60 days.

Promo code: Q1PRO26
Promo code will automatically be applied.

Apply now

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

Fraud protection

Protect your business from check and credit card fraud and safeguard cardholder data in compliance with the Payment Card Industry Data Security Standard (PCI DSS). You’re covered with zero fraud liability 10 for any unauthorized transactions.

Mobile and online banking

Review account statements, track your cash flow, transfer money, initiate ACH or wire payments and more with our award-winning mobile app11 and online banking.

Mobile check deposit

Deposit checks into your account simply by taking photos of your check in the U.S. Bank Mobile App.

U.S. Bank Business Visa® Debit Card

Use your business checking debit card to make purchases anywhere that accepts Visa. Plus, enroll in a discounts and rewards program sponsored by Visa.

Free transactions at U.S. Bank ATMs12

As a U.S. Bank account holder, enjoy zero fees at any of the 13,000 U.S. Bank ATMs nationwide.

Bill pay for business

Use bill pay in U.S. Bank online or mobile banking to review, track and pay all your bills in one secure place with the flexibility to use your credit card or checking account.

Getting started with a U.S. Bank business checking account

Collect necessary documents for the application.

  • Your business’s Employer Identification Number (EIN) or tax ID number (sole proprietors can use the owner’s Social Security number)
  • Articles of Incorporation, Articles of Organization, or a charter or a similar legal document that indicates when your company was formed (not required for sole proprietors)
  • Government-issued photo ID and Social Security number for you and anyone else authorized to sign checks or make transactions on behalf of your organization
See all application requirements

Open your checking account.

After you’ve opened your account, move funds seamlessly.

Download the EZ Switch Kit (PDF)

Manage payroll from your business online banking dashboard.

U.S. Bank Payroll powered by Gusto centralizes the tools you need to run payroll, automate tax filings and simplify daily business activities.13

Learn more

Common questions about U.S. Bank Platinum Business Checking

Qualifying transactions include: Debit card purchases, ACH and wire credits or debits, Zelle® credits and debits, U.S. Bank mobile check deposit, electronic or paper checks, U.S. Bank bill pay (excluding payments made by credit card) and payment received via U.S. Bank Payment Solutions

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

Not eligible: Other transactions such as person-to-person payments, credit card transfers 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 six 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.

Yes, this promotion1 also applies to U.S. Bank Business Essentials®, which offers checking and card payment acceptance together in one connected experience. Learn more about the benefits, terms and conditions.

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.

Plus, for tax preparation purposes, a separate business checking account could simplify record keeping.

The right checking account will vary business-by-business, but it will primarily depend on the volume of transactions and deposits per statement cycle needed by your business. To find the best fit, you can answer a few questions to get a checking recommendation.

Explore related products & offerings.

business checking

Business debit card

With a U.S. Bank business debit card, make purchases directly from your business checking account anywhere Visa® is accepted in person, by phone or online.

Learn more

Business Credit Cards

Find the small business credit card that works best for you and your business. Compare credit cards with various features like cash back or reward points.

Learn more
business savings

Business savings accounts

Find the best business savings account for you. Compare U.S. Bank account options and apply online to start maximizing your earnings.

Learn more

Learn more
Start of disclosure content

Disclosures

  2. Monthly Maintenance Fee Waiver Options for Platinum Business Checking: U.S. Bank Payment Solutions OR $25,000 average collected account balance OR $75,000 combined average collected balances across all U.S. Bank business deposit accounts and outstanding business credit balances.

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

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

  5. 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.

  6. 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.

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

  8. Discount applies to business products offered by Deluxe Corporation™. Discount does not apply to eChecks. The offer can be used in online or mobile banking, at a branch or by calling Deluxe. Additional sales tax and shipping fees may apply. 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

  9. 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).

  10. Zero fraud liability – U.S. Bank provides zero fraud liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply. See the Electronic Fund Transfers section in Your Deposit Account Agreement (PDF)  for details.

  11. Digital financial services benchmarking firm Keynova Group ranked U.S. Bank #1 for mobile banking apps in its Q3 2024 Mobile Banker Scorecard.

  12. 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.

  13. U.S. Bank Payroll is a platform that enables small business customers to access third-party payroll processing services provided by Gusto, Inc. through the existing U.S. Bank online banking experience. Gusto, Inc. is solely responsible for delivering the payroll processing services available via the U.S. Bank platform. U.S. Bank is not affiliated with Gusto, Inc. For more information, please refer to the Embedded Payroll Service page.

Start of disclosure content

See the U.S. Bank Your Deposit Account Agreement booklet for additional disclosures applicable to deposit accounts. Other conditions and restrictions may apply. Terms may change without notice. For the most current information about packages and benefits available, contact your banker.

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.

The U.S. Bank Visa® Debit Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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.

Credit products offered by U.S. Bank National Association and are subject to normal credit approval and program guidelines. Some restrictions and fees may apply.

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.

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