{"account":{"slug":"us-bank-business-checking","bank":"U.S. Bank","name":"Business Checking (Essentials / Gold / Platinum / Premium / Nonprofit)"},"status":"recent","lastVerified":"2026-10-23","officialSource":"https://www.usbank.com/business-banking/banking-products/business-bank-accounts/business-checking-account.html","history":[{"date":"2026-06-11","apy":"None","monthlyFee":"$0 / $20 / $30 for Essentials, Gold, and Platinum","minimumOpen":"$100","note":"Legacy snapshot recorded 125 / 300 / 500 transactions and did not include Premium or Nonprofit"},{"date":"2026-09-04","apy":"None on Essentials and Platinum; interest-bearing Gold and Nonprofit options; Premium earns an earnings credit","monthlyFee":"$0 / $20 / $30 / $34 / $0; Gold and Platinum waivable","minimumOpen":"$25","atm":"No U.S. Bank ATM transaction fee at U.S. Bank and participating partner ATMs","note":"Corrected the opening deposit and transaction tiers; added Premium and Nonprofit; verified the current $400 / $1,200 offer","sourceUrl":"https://www.usbank.com/business-banking/banking-products/business-bank-accounts/business-checking-account.html","sourceLabel":"U.S. Bank business checking comparison, pricing, and offer terms"},{"date":"2026-10-23","apy":"Essentials and Platinum: no interest. Gold and Nonprofit: interest options; current APYs not verified. Premium: earnings credit, with an interest-bearing version also available.","monthlyFee":"$0 / $20 / $30 / $34 / $0; Gold and Platinum waivable","minimumOpen":"$25","atm":"U.S. Bank and logo-displaying partner ATMs have no U.S. Bank ATM transaction fee. Essentials charges $3 per requested transaction elsewhere; operator surcharges may also apply.","note":"Verified five-tier fees, transaction definitions, per-deposit cash rounding and opening requirements; documented conflicting Gold interest-waiver disclosure. Numeric interest rates remain unverified.","sourceUrl":"https://www.usbank.com/content/dam/usbank/en/documents/pdfs/disclosures/business-pricing-information.pdf","sourceLabel":"U.S. Bank pricing brochures and current product pages"}],"verificationEvents":[{"id":"d1fec740-d2e0-4521-9786-2e7be7429839","entityType":"bank-account","slug":"us-bank-business-checking","checkedAt":"2026-10-23T16:43:09.589Z","recordedAt":"2026-10-23T16:43:09.590Z","sourceUrl":"https://www.usbank.com/content/dam/usbank/en/documents/pdfs/disclosures/business-pricing-information.pdf","sourceLabel":"U.S. Bank pricing brochures and current product pages","outcome":"changed","summary":"Verified five tiers, counted transactions, per-deposit cash units, service fees and opening steps; documented Gold interest-waiver conflict. Numeric APYs unverified.","changedFields":["terms","history","lastVerified","faqs","sources"],"previousHash":"cfa46dcc9b4da062b49a6397bfe04879bb03467be5c0dfa7c7623598b278bff6","recordHash":"f72a4c99a64920cbf76e5f8883f6625c0b4e2d7d6cf4c18071b3d17f7ef64227"},{"id":"b5169714-182e-4952-978f-927b204d052b","entityType":"bank-account","slug":"us-bank-business-checking","checkedAt":"2026-09-04T00:00:00.000Z","recordedAt":"2026-09-05T01:58:53.537Z","sourceUrl":"https://www.usbank.com/business-banking/banking-products/business-bank-accounts/business-checking-account.html","sourceLabel":"U.S. Bank business checking comparison, pricing, and offer terms","outcome":"changed","summary":"Corrected opening deposit and transaction tiers; added Premium and Nonprofit; confirmed current offer","changedFields":["accountName","apy","monthlyFee","minimumOpen","plans","features","atm","cons","url","termHistory","lastVerified"],"facts":{"minimumOpen":"$25","monthlyFees":"$0 / $20 / $30 / $34 / $0","transactions":"unlimited digital plus 25 paper / 350 / 550 / itemized / 1800 yearly"},"previousHash":"af2e322c92ab71afc4f808e208bdc3a95efa7fac06c6b007e14fc1c2d6086f89","recordHash":"c6b19ccdcca17c04eb500b28562df3af6757c3aecc72ffaaad5a2f6c923741ac"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}