U.S. BANK SILVER BUSINESS CHECKING PACKAGE

Simplicity, value and convenience

The U.S. Bank Silver Business Checking Package is ideal for new or small businesses. Benefit from a low opening deposit and no monthly maintenance fee.

  • Minimize risk with fraud prevention tools

  • Transfer money and pay multiple billers at once

  • Forecast cash flow with a business banking dashboard

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What is a Silver Business Checking Package ?

A Silver Business Checking account is a straightforward option for small and new business owners who don’t have a high transaction volume each month.

  • No monthly maintenance fee

  • 125 free transactions per statement cycle1 2

  • 25 free cash deposit units per statement cycle3

  • Shared access for employees

  • 50% discount on first check order with Deluxe™ up to $504

Apply now

  • No monthly maintenance fee

  • 125 free transactions per statement cycle1 2

  • 25 free cash deposit units per statement cycle3

  • Shared access for employees

  • 50% discount on first check order with Deluxe™ up to $504

Apply now

Not sure if this is the right account?

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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 liability5 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 app6 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 ATMs7

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

Simplify business payments directly from your business checking account. Import bills, schedule payments and view real-time balances all in one secure place.

Get started with a U.S. Bank 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)

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.

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 compare checking accounts or answer a few questions to get a checking recommendation.

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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.

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Disclosures

  1. 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. 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.

  3. 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.

  4. 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

  5. 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.

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

  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.

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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 refer to Your Deposit Account Agreement (YDAA).

Eligibility requirements and restrictions apply. Please see 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.

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.

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