Last Updated: 05/12/2026
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Highlights
Monthly Maintenance Fee
$0 - $30(Verified 05/12/2026)
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ATM Fee: Out-of-Network (within the U.S.)
Starting at $2.50
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Minimum Average Balance to Avoid Monthly Service Fee
$25,000
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APY (Annual Percentage Yield)
0%(Verified 05/12/2026)
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U.S. Bank Platinum Business Checking Review
U.S. Bank Platinum Business Checking is offered by U.S. Bank, a bank founded in 1863 and based in Minneapolis, MN. U.S. Bank Platinum Checking Account is available in 26 states.
Key Takeaways
- Earn $1,200 when you open a Platinum Business Checking Account online with promo code Q2AFL26 and complete qualifying activities, subject to certain terms and limitations. Offer valid through June 30, 2026. Member FDIC.
- 0% APY. As with most checking accounts, U.S. Bank Platinum Business Checking does not pay interest.
- Waivable monthly maintenance fee. You can waive the monthly maintenance fee with one of the following: $25,000 average collected checking balance or $75,000 combined average collected business deposits and outstanding business credit balances
- No ATM fees. U.S. Bank Platinum Business Checking does not charge fees on ATM transactions within its network but there is a fee of $2.5 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 Platinum Business Checking Pros & Cons
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U.S. Bank Platinum 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 Platinum Business Checking offer?
U.S. Bank Platinum Business Checking is not an interest-bearing account.
What are the account minimums for U.S. Bank Platinum Business Checking?
U.S. Bank Platinum Business Checking requires a minimum initial deposit of $25 to open an account.
| Description | Amount |
| Minimum Initial Deposit | $25 |
| Minimum Combined Balance to Avoid Monthly Fee | $75,000 |
| Minimum Balance to Avoid Monthly Fee | $25,000 |
What fees does U.S. Bank Platinum Business Checking charge?
This account charges a monthly maintenance fee of up to $30.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Fee | $0 - $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $2.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $36 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $36 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $19 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Image Service | Starting at $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Waiver Requirements | You can waive the monthly maintenance fee with one of the following: $25,000 average collected checking balance or $75,000 combined average collected business deposits and outstanding business credit balances | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does U.S. Bank Platinum Business Checking offer?
This account includes the following features:
- Earn $1,200 when you open a Platinum Business Checking Account online with promo code Q2AFL26 and complete qualifying activities, subject to certain terms and limitations. Offer valid through June 30, 2026. Member FDIC.
- Check images with statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.
- Fraud monitoring - U.S. Bank Platinum 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 Platinum 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.
U.S. Bank Platinum Business Checking Disclosure: Promo code Q2AFL26 MUST be used when opening a U.S. Bank Business Essentials® or Platinum Business Checking account. Limit of one bonus per business. A $25 minimum deposit is required to open one of the referenced accounts. To earn a business checking bonus, open a qualifying U.S. Bank business checking account between 4/01/2026 and 6/30/2026. Make the required deposit(s) in new money within 30 days of account opening, maintain the same required daily balance through the 60th day, and complete 6 qualifying transactions based on posted date within 60 days of account opening. Business Essentials: $400 bonus with $5,000 deposits and daily balance Platinum Business Checking: $1,200 bonus with $25,000 deposits and daily balance Qualifying transactions include debit card purchases, ACH and wire credits or debits, Zelle credits or debits, U.S. Bank mobile check deposit, electronic or paper checks, bill pay (excluding payments made by credit card), and payment received via U.S. Bank Payment Solutions. Other transactions, such as person-to-person payments, credit card transfers, or transfers between U.S. Bank accounts, are not eligible. New money is defined as funds 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 may reduce the required daily balance during the qualifying period. Bonus will be deposited into your new eligible U.S. Bank business checking account within 30 days after the month-end in which all offer requirements are met, provided the account remains open with a positive available balance. Offer may not be combined with other business checking bonus offers. Existing businesses with a business checking account or had one closed within the past 12 months, do not qualify. All regular account-opening procedures apply. For full checking account pricing, terms and policies, refer to your Business Pricing Information, Business Essentials Pricing Information, and YDAA disclosure. These documents are available at any U.S. Bank branch or by 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. Member FDIC
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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.
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 - $20
Disclaimer popup with additional information
ATM Fee: Out-of-Network (within the U.S.)
$2.50
Minimum Average Balance to Avoid Monthly Service Fee
$10K
APY (Annual Percentage Yield)
0% - 0.005%
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%
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SuperMoney Net Recommendation Score
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U.S. Bank Platinum Business Checking Community Reviews
Would you recommend U.S. Bank Platinum Business Checking to your friends?
<h1>grey</h1> S.
Sep 26, 2024
May or may not recommend
Yes. I recommend this bank because I have tested their services.
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