U.S. Bank Business Checking
Simple, fee-free business checking
4.7
4.7
MoneyAtlas
Rating
Earn a $1,200 bonus on select new accounts. Use code Q4AFL25 and complete qualifying activities
Offer valid through 1/14/26. See terms
Accept payments and get paid fast
Pros
Big welcome bonus: Earn up to $1,200 with straightforward deposits
$0-fee starter (Essentials): Unlimited digital transactions, same-day funding, and a free card reader
Scales with volume (Platinum): Hundreds of included transactions/cash deposits
Cons
Overage costs: Per-item fees apply after included transaction/cash-deposit limits
Balance demands: Waiving Platinum’s fee typically means keeping healthy average balances or using Payment Solutions.