Last Updated: 01/16/2026
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Highlights
Monthly Maintenance Fee
$0 - $20(Verified 03/19/2025)
Disclaimer popup with additional information
ATM Fee: Out-of-Network (within the U.S.)
$2.50
Minimum Average Balance to Avoid Monthly Service Fee
$10,000
APY (Annual Percentage Yield)
0% - 0.005%(Verified 01/16/2025)
Disclaimer popup with additional information
U.S. Bank Gold Business Checking Review
U.S. Bank Gold Business Checking is offered by U.S. Bank, a bank founded in 1863 and based in Minneapolis, MN. U.S. Bank Gold Business Checking is available in 26 states.
Key Takeaways
- Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.005% .
- $0 monthly account fees available. This account charges a monthly fee of up to $20, but the fee may be waived if you keep a minimum balance of$10,000.
- $100 minimum opening deposit. This is a typical minimum initial deposit.
- No ATM fees. U.S. Bank Gold Business Checking does not charge fees on ATM transactions within its network but there is a fee of $2.50 for out-of-network ATM transactions .
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in U.S. Bank mobile or online banking.
U.S. Bank Gold Business Checking Pros & Cons
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U.S. Bank Gold Business Checking FAQ
Are business checking accounts from U.S. Bank federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC #6548). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does U.S. Bank Gold Business Checking offer?
U.S. Bank Gold Business Checking offers an APY starting at 0% and ranging up to 0.005% (APY stands for annual percentage yield, rates may change).
| Rates | Amount |
| APY (Annualized Percentage Yield) | 0% - 0.005% |
What are the account minimums for U.S. Bank Gold Business Checking?
U.S. Bank Gold Business Checking requires a minimum initial deposit of $100 to open an account.
| Description | Amount |
| Minimum Initial Deposit | $100 |
| Minimum Combined Balance to Avoid Monthly Fee | $20,000 |
| Minimum Balance to Avoid Monthly Fee | $10,000 |
What fees does U.S. Bank Gold Business Checking charge?
The good news is that this account does not have a monthly service charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Fee | $0 - $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | $2.50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $36 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $19 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $19 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does U.S. Bank Gold Business Checking offer?
This account includes the following features:
- Fraud monitoring - U.S. Bank Gold Business Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - U.S. Bank Gold Business Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from U.S. Bank Gold Business Checking
Hours of Operation
SundayClosedMonday8:30AM - 5:30PMTuesday8:30AM - 5:30PMWednesday8:30AM - 5:30PMThursday8:30AM - 5:30PMFriday8:30AM - 5:30PMSaturdayClosed
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Other Business Checking Accounts from U.S. Bank
Monthly Service Fee
$0
Disclaimer popup with additional information
ATM Fee: Out-of-Network (within the U.S.)
$2.50
Minimum Average Balance to Avoid Monthly Service Fee
$0
APY (Annual Percentage Yield)
0%
Disclaimer popup with additional information
Rating not yet determined
Monthly Service Fee
$0
Disclaimer popup with additional information
ATM Fee: Out-of-Network (within the U.S.)
$2.50
Minimum Average Balance to Avoid Monthly Service Fee
$0
APY (Annual Percentage Yield)
0%
Disclaimer popup with additional information
Rating not yet determined
Monthly Service Fee
$0 - $30
Disclaimer popup with additional information
ATM Fee: Out-of-Network (within the U.S.)
Starting at $2.50
Minimum Average Balance to Avoid Monthly Service Fee
$25K
APY (Annual Percentage Yield)
0%
Disclaimer popup with additional information
Rating not yet determined
Monthly Service Fee
$0
Disclaimer popup with additional information
ATM Fee: Out-of-Network (within the U.S.)
N/A
Minimum Average Balance to Avoid Monthly Service Fee
N/A
APY (Annual Percentage Yield)
0.005%
Disclaimer popup with additional information
SuperMoney Net Recommendation Score
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