Side-by-side comparison
Chase Platinum Business Checking vs U.S. Bank Gold Business Checking comparison on Luminxo. Compare fees, features, and transaction limits to find the right business bank account.
Chase · Business Checking
Chase Platinum Business Checking is designed for larger businesses with high monthly transactions and cash management needs. Offers 500 free transactions, $25,000 in free cash deposits, and fee waivers on linked Premier accounts.
Best for: Larger businesses with high transaction volumes and cash management needs
U.S. Bank · Business Checking
U.S. Bank Gold Business Checking Package offers 350 free transactions per statement cycle with a waivable $20 monthly fee. Good mid-tier option for growing businesses with moderate transaction volumes.
Best for: Growing businesses with moderate transaction volumes
| Metric | Chase Platinum Business Checking | U.S. Bank Gold Business Checking |
|---|---|---|
| Monthly Fee | $95/mo (waivable) | $20/mo (waivable) |
| Free Transactions | 500/mo | 350/mo |
| Min. Opening Deposit | $0 | $25 |
| APY | 0.01% | - |
| FDIC Insured | Yes | Yes |
| Integrations | 12+ | 8+ |
| Rating | 4.0/5.0 | 4.0/5.0 |
| Feature | Chase Platinum Business Checking | U.S. Bank Gold Business Checking |
|---|---|---|
| Mobile App | ✓ | ✓ |
| Mobile Deposit | ✓ | ✓ |
| Cash Deposits | ✓ | ✓ |
| Physical Branches | ✓ | ✓ |
| ACH Transfers | ✓ | ✓ |
| International Wires | ✓ | ✓ |
| Accounting Integrations | ✓ | ✓ |
| Sub-Accounts | ✗ | ✗ |
| Invoicing | ✓ | ✗ |
| Debit Card | ✓ | ✓ |
| Check Writing | ✓ | ✓ |
Highest transaction limits in the Chase lineup with premium cash management features. Fee waiver on linked Premier checking gives flexibility for complex business structures.
Best for: Larger businesses with high transaction volumes and cash management needs
Solid mid-tier option that balances transaction limits with a reasonable fee. Waivable monthly fee makes it effectively free for businesses maintaining adequate balances.
Best for: Growing businesses with moderate transaction volumes
The biggest tradeoffs are monthly fees, free transactions, and the features included. This page compares those factors directly so you can choose the right fit for your business.
U.S. Bank Gold Business Checking has the lowest monthly fee in this comparison at $20/mo.
Chase Platinum Business Checking has the most features in this comparison with 10 out of 11 tracked features.