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U.S. Bank Gold Business Checking

by U.S. Bank

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.

⭐ 4.0/5.0 (2,500 reviews)8+ integrations
Open Account →FDIC Insured
Monthly Fee$20/mo
Waive Fee With$10,000 balance
Free Transactions350/mo
Overage Fee$0.45/txn
Min. Opening Deposit$25

Transfer Fees

Domestic Wire$20
International Wire$50
ACH TransferFree

Features

✓Mobile App
✓Mobile Deposit
✓Cash Deposits
✓Physical Branches
✓ACH Transfers
✓International Wires
✓Accounting Integrations
✗Sub-Accounts
✗Invoicing
✓Debit Card
✓Check Writing

Overview

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.

Why we like it

Solid mid-tier option that balances transaction limits with a reasonable fee. Waivable monthly fee makes it effectively free for businesses maintaining adequate balances.

Who Is This For?

Growing businesses with moderate transaction volumes

Standout Features

  • 350 Free Transactions
  • Waivable Fee
  • Physical Branches
  • Business Credit Cards

Pros and Tradeoffs

Pros

  • 350 free transactions/cycle
  • $20 fee is waivable
  • Physical branch access
  • Cash deposit options

Tradeoffs

  • $20 monthly fee if not waived
  • $0.45 per extra transaction
  • No interest earned
  • No sub-accounts

Ratings

NerdWallet4.0/5.0
Bankrate4.0/5.0
Total Reviews2,500

Key Integrations

QuickBooksXeroADP

+ 5 more integrations available

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