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U.S. Bank Business Review

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About U.S Bank

U.S. Bank Business Checking – Account Basics

Credit lines from $500 to $25,000

View Rates

Aditi Patel

Top Online Banking Services Editor

Pros

No periodic maintenance service fees
Allows you to open business accounts online
Offers overdraft protection to qualified customers
Offers welcome bonus to new customers
Offers shared access for all employees
Offers wide range of selective payment processing facilities for mobile apps, in-store payments, etc. (additional fees)

Cons

Restricted features
Small cash deposit perimeters
Bank’s website doesn’t provide access to terms & conditions and fees

About U.S Bank

U.S. Bank, ranking as the fifth largest U.S. bank by assets, presents an appealing option for small businesses seeking a reliable banking solution. Tailored for smaller or emerging enterprises, the U.S. Bank Silver Business Checking account stands out with its absence of a monthly service fee. If you’re weighing your options for small business banking, this account merits consideration. Delve into the features and benefits of the U.S. Bank Silver Business Checking account in this review.

US Bank Business Checking is Ideal for people:

Who meet with the qualification criteria
Who need the convenience of branch associated mobile banking
With less than $2,500 monthly free cash deposit limit
Who do not expect high volume transactions

U.S. Bank Business Checking – Account Basics

Designed with simplicity for small business owners and newer enterprises in mind, the U.S. Bank Silver Business Checking account is a straightforward choice. It caters well to businesses with a moderate monthly transaction volume. This account allows up to 25 cash deposits per month with no associated fee. Additionally, you can conduct up to 125 transactions per month, encompassing deposits, credits, check payments, and other debits, without incurring fees. Beyond this limit, each additional transaction carries a fee of $0.50.

The U.S. Bank Silver Business Checking account offers a notable benefit with no monthly maintenance fee, making it an attractive option for those aiming to minimize business banking costs. While there’s a $5 fee for paper statements, opting for electronic statements through U.S. Bank’s online and mobile banking platform allows you to bypass this charge. Additionally, the account provides free use of mobile check deposit, adding to its convenience. It’s important to note that U.S. Bank applies standard transaction limits to business accounts.

$500 a day for business debit card cash withdrawals
$500 a day for business ATM card based cash withdrawals
$2,500 a day for business ATM card acquisitions
$3,000 for each transaction and $10,000 a day for receiving finances from the business debit card
$10,000 a day for cash advance at banks or/and the business debit card purchases

Opening a U.S. Bank Silver Business Checking account requires a minimum deposit of $100.

What Do People Say About US Bank?

Every so often, someone goes above and beyond, making a real impact on your life. For me, that someone was Faye Tan from the Montecito branch of U.S. Bank in Las Vegas, Nevada. Last month, Faye stepped in and helped me navigate through a massive problem. Her kindness, compassion, and professional expertise turned what felt overwhelming into a manageable situation. Faye, thank you. I’m truly grateful for your presence and assistance.

John Torres – US Bank

Las Vega, Nevada

I gave their service a shot, and the guy was awesome—he gave me a free 6-month checking account because the regular fee is $4.95 per month. Decided not to stick around, and they were totally cool with that. Tested the debit card, worked like a charm at the ATM, did a small deposit, everything went smoothly. Inside the branch, the staff was super friendly. They even tossed in a few free checks just for joining the bank. This all happened at my location in my area. Unfortunately, I forgot the exact date of the experience.

Ronald Allen – US Bank

Flint, Michigan

How to Apply?

You have the option to apply conveniently online or initiate the application process by visiting your nearest U.S. Bank branch.

To complete the online application, ensure you have the following information:

Personal address, SSN and contact number
Employer’s Identification Number or the Tax ID number
Your email address, name and contact details for additional owners having 25% or more company ownership
A company charter, Articles of Incorporation, partnership agreement or any similar legal document (though not required for sole proprietors).

The modest initial deposit requirement makes the U.S. Bank Silver Business Checking account appealing, especially for those launching a new business or experiencing lower initial income. Additionally, the account offers a noteworthy perk – a 50% discount on your initial check order, with savings up to $50. This benefit can be advantageous for businesses planning to use checks for various transactions or bill payments.

U.S. Bank provides overdraft protection to Silver Business Checking account holders, offering eligible customers a Business Reserve Line of credit with a limit equal to $5,000. This feature can be beneficial in reducing overdraft fees if your business checking account experiences a negative balance.

For added convenience, if you’re seeking a bank that caters to both business and personal needs, U.S. Bank offers a variety of personal checking account options, allowing you to streamline and manage your finances in one place.

US Bank Access

Effectively oversee your Silver Business Checking account through U.S. Bank’s online banking platform or the top-rated U.S. Bank mobile app, available on both the App Store and Google Play. This convenient digital access empowers you to perform various account management tasks online, ensuring flexibility and ease of use. Functions include:

Checking your account info
Checking previous checks, statements and deposit slips
Account alerts
Replacement debit card request
Initiating a deposit account certificate

For those with a business loan from U.S. Bank, online and mobile banking offer seamless access to essential features. Easily view loan details, schedule payments, and monitor credit lines. Manage U.S. Bank business credit cards with equal convenience. Additionally, if your business has a team, leverage the Shared Access feature to grant trusted employees or designated individual’s permission to view transactions or make payments from the account. This streamlined access enhances collaboration and efficiency in managing your business finances.

Create a new authorized, virtual U.S. Bank business checking account using promotional code Q3AFL23, and you could earn a welcome bonus of equal to $800. To qualify, deposit new funds in just 30 days after opening, $5,000 for enjoying $350 bonus or $25,000 for receiving $800 bonus. Maintain this balance for at least the next 60 days since opening your account. If you meet these conditions, the bonus, credited within 45 days, will be deposited into your U.S. Bank account, provided your account is functional and maintains a progressive balance. Act before 01/08/2024 to take advantage of this promotional bonus offer. Terms and limitations apply.

Customer Services

For U.S. Bank business customers, support is conveniently accessible in person at your local branch or by phone at 877-593-1102. Representatives are ready to assist you from Monday to Friday, 8 a.m. to 8 p.m. CT, and on Saturdays from 8 a.m. to 6:30 p.m. CT. While live chat support is not an option, the dedicated team is committed to addressing your needs through other available channels.

Bottomline

U.S. Bank is a reputable institution, and the Silver Business Checking account might be a suitable choice for those seeking a straightforward business bank account. Unlike online-only banks, U.S. Bank provides the flexibility of managing your accounts through online/mobile banking or in-person visits to branches. While the Silver Business Checking account is cost-effective, it offers fewer features compared to some other business checking options available in the market.

U.S. Bank

TopOnlineBankingServices.com is a free online platform designed to help users with the process of choosing the services or products that meets their needs by providing helpful reviews, articles and comparison based content. We receive compensation from the various brands we review, compare and rank on the website. TopOnlineBankingServices.com is not a lender, broker or financial institute, nor a party to any engagement related to financial products or transaction. All rates, fees and offers’ terms presented herein are provided by the third party brands we engage with, which may include lenders, brokers and aggregators. We do not make any decision regarding such rates, fees, terms and eligibility or approval of a financial offer. The actual offer you will receive is subject to its provider’s sole discretion including credit score, minimum deposit, minimum balance, requested loan amount, loan term, etc. and there is no guarantee you will qualify for the rates, fees, or terms presented herein. The content herein is not, and shall not be taken as an endorsement, recommendation or solicitation to borrow or obtain any financial service. We encourage you to carefully review the actual offer’s terms you receive from the provider, including all associated fees and costs. Filing for bankruptcy shall not exempt from repayment obligations.

The offers on our page do not represent all account options available.
*APY (Annual Percentage Yield).
Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.

SoFi Disclosure:

1. Up to $300 Bonus Tiered Disclosure
New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received
during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit.
If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit
Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.
SoFi members with Eligible Direct Deposit can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount
required to qualify for the 3.80% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates
are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.
2. APY disclosures
SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation
Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated
interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates
are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see
3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi
Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.
3. Fee Policy
We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers,
however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at sofi.com/legal/banking-fees/.
4. Additional FDIC Insurance (must be bolded)
SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC
insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks
at SoFi.com/banking/fdic/participatingbanks.
5. Overdraft Coverage
Overdraft Coverage is limited to $50 on debit card purchases only and is an account benefit available to customers with Eligible Direct Deposits of $1,000 or more during the current 30-day Evaluation Period as determined
by SoFi Bank, N.A. The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the “30-Day Evaluation Period”).
You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY.
Members with a prior history of non-repayment of negative balances are ineligible for Overdraft Coverage.

6. 0.70% Savings APY Boost
Earn up to 4.50% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.80% APY as of 8/5/25) for up to 6 months. Open a new SoFi Checking & Savings account with Eligible Direct
Deposit by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.

Live Oak Bank:

1. Important Information about this Personal Savings Bonus Offer:

Customers must meet all of the following requirements to be eligible for the $300 bonus:

New and Existing Customers:
- Only one bonus is available per Tax Identification Number per promotional period.
- Only personal savings accounts are eligible for the bonus offer. Checking accounts, CD accounts and fiduciary accounts (e.g., trusts) are not eligible for this offer.
- Opening of a new account will be subject to approval by Live Oak Banking Company in its sole discretion.
- A new Live Oak Bank personal savings account must be fully funded with at least $20,000 by 11:59 p.m. Eastern Time on 03/31/2025 to be eligible for the bonus.  If the account is not fully funded by March 31st, then the account is not eligible for the bonus offer.
- All funding of the new personal savings account must consist of funds originating from an external financial institution to qualify; deposits or transfers originating from an existing Live Oak Bank account (whether personal or business) via internal transfer, CD redemption, check, ACH transfer, wire, or loan proceeds do not qualify for bonus offer.
- Beginning on the date in February or March 2025 that the new account attains a balance of at least $20,000, if the balance remains equal to or exceeding $20,000 for 60 consecutive days, then the account will be eligible for the bonus if all other conditions are met. If all eligibility criteria are met, the $300 cash bonus will be deposited to your open, eligible account within 45 days following the expiration of the 60-day period.
- Your new account must not be closed or restricted at the time of payout in order to receive the bonus. Live Oak Bank reserves the right to withdraw or withhold the bonus offer from any customer, with or without notice, if fraud or other suspicious activity is suspected.
- Any promotional amounts received may be subject to taxation.
Existing Customers:
- In addition to the other requirements for the bonus offer, existing Live Oak Bank , customers must maintain their existing account balances (not including interest accrued but not credited to the account) at or above the end of day balance as of February 2nd 2025 11:59:59pm (ET) across their existing personal savings in order to be eligible for the bonus offer.

2. Live Oak Bank Savings Annual Percentage Yield (APY) is valid as of 2/3/2025. No minimum opening balance or deposit required to open. Rates may change at any time without prior notice, before or after the account is opened. No minimum balance to open, but customers must have a balance of $0.01 to earn interest. Fees may reduce earnings.

3. National savings average rate courtesy of the FDIC’s Weekly National Rates and Rate Caps, as of 1/21/2025; average rate used is for deposits under $2,500.

4. Live Oak Bank is a member of the Federal Deposit Insurance Corporation (FDIC). As a Live Oak Bank customer, your Live Oak Bank deposits are insured by the FDIC up to $250,000 per depositor, for each account ownership category.

CIT Bank:

Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. APYs — Annual Percentage Yields are accurate as of June 12, 2025: 0.25% APY on balances of $0.01 to $4,999.99; 4.00% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.
*Promotion Disclosures
This limited-time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 9, 2025, and can end at any time without notice.
Customers will receive a $225 or a $300 bonus provided that the program requirements are met. Click here to see promotion details and terms.

For complete list of account details and fees, see our Personal Account disclosures – https://cit-fcb-t.cit.com/cit-bank/resources/forms

American Express

- ¹ The Annual Percentage Yield (APY) as advertised is accurate as of 08/02/2025. Interest rate and APY are subject to change at any time without notice before and after a High Yield Savings Account is opened. Interest Rate and APY of a Certificate of Deposit account is fixed once the account is funded.
- ² There is no minimum balance required to open your Account, to avoid being charged a fee, or to obtain the Annual Percentage Yield (APY) disclosed to you.

American Express® BCA:

APY to be earned on account balances ≤ $500,000. No interest is earned on account balances over $500,000. APY is subject to change at any time without notice before and after a Business Checking Account is opened. – Effective October 12th, 2022
Deposit a total of $5,000 or more in eligible deposits within 30 days of opening your first account, AND (2) Maintain an average account balance of $5,000 for the next 60 days, AND (3) Make 5 or more qualifying transactions within 60 days of opening your account. Eligible deposits are any deposits except deposits using our Redeem for Deposits feature, deposits from interest payments, and deposits from any other American Express Business Checking accounts. Qualifying transactions are mobile deposits, check deposits by mail, and electronic/online transactions including ACH, Wire, and Bill Payments. Business Debit Card transactions and deposits using our Redeem for Deposits feature are not qualifying transactions.

Bank of America:

This offer is available online only and may not be available if you leave this page, visit bankofamerica.com, visit a Bank of America financial center, or if you call the bank.

Offer is limited to individuals who have not owned or co-owned a Bank of America personal checking account within the last twelve (12) months. Fiduciary accounts (e.g., trusts), Bank of America Advantage SafeBalance Banking® for Family Banking accounts, and business accounts are not eligible for this offer. Offer cannot be combined with any other checking offer and is limited to one bonus per account and per customer. Offer expires on January 31, 2026. Bank of America may change or discontinue this offer at any time before this date without notice.

You may receive different Bank of America promotional checking offers by various methods, i.e., mail, in person or email/online. These promotional offers may have different terms based on how Bank of America introduces them.

Requirements to Receive a Checking Bonus:

Open a new eligible personal checking account online through this offer’s webpage by January 31, 2026, to be enrolled in this offer. If you open your account by any other means, you may not be eligible to earn the checking bonus.

Bank of America Advantage SafeBalance Banking®, Bank of America Advantage Plus Banking®, Bank of America Advantage Relationship Banking® accounts are eligible for this offer. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
Set up and receive Qualifying Direct Deposits into that eligible personal checking account within ninety (90) days of account opening (“Deposit Period”).

At the end of the Deposit Period, all Qualifying Direct Deposits will be totaled to determine the bonus amount you may earn. (see chart below).

Qualifying Direct Deposits	Bonus Amount
< $2,000	$0
$2,000 – $4,999	$100
$5,000 – $9,999	$300
$10,000 or more	$500

A “Qualifying Direct Deposit” is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them. Examples of non-qualifying transfers and deposits include the following: teller deposits, wire transfers, debit card transfers, ATM transfers or deposits, Online and Mobile Banking transfers or deposits, or transfers from a bank or brokerage account or Merrill investment account.

After you satisfy all of the requirements, we will attempt to deposit the earned bonus directly into your new eligible personal checking account within sixty (60) days. The new eligible personal checking account must be open and in good standing up to and including the date any earned bonus is paid.

Your receipt of any bonus is subject to validation that you have provided all the information we require in connection with maintaining the account. This includes information needed to identify each account owner and to report the bonus to the Internal Revenue Service (IRS), including a validly completed IRS Form W-9 or Form W-8 (as applicable). The value of this bonus may constitute taxable income to you. To the extent required by law, Bank of America may withhold tax or other amounts from the payment. Bank of America may issue an IRS Form 1099 (or other appropriate form) to you that reflects the value of such bonus. Please consult your tax advisor, as neither Bank of America, its affiliates, nor their employees provide tax advice.

Additional Terms and Conditions: All account applications are subject to approval. The minimum deposit required to open a Bank of America Advantage SafeBalance Banking® account is $25. The minimum deposit required to open a Bank of America Advantage Plus Banking® account is $100. The minimum deposit required to open a Bank of America Advantage Relationship Banking® account is $100, and the Annual Percentage Yield (APY) is as follows: less than $50,000, 0.01%; $50,000 and over, 0.02%. APYs are accurate as of 7/1/2025. For today’s rates, select the applicable account at bankofamerica.com/depositsrates. Rates may change at any time without prior notice, before or after the account is opened, and may vary by location. Fees may reduce earnings. Accounts, product terms, and fees may vary by location, and we may discontinue and/or add new account types at any time. Please consult a financial center, visit bankofamerica.com or see the Personal Schedule of Fees (found at bankofamerica.com/fees) for account fees and additional information about accounts.

Reproduction, purchase, sale, transfer or trade of this offer is prohibited.

Wells Fargo:

*How to qualify for this offer

To be eligible:

Offer is for new consumer checking customers only and is available only to the primary owner of the new checking account. The primary account owner is the owner whose Taxpayer Identification Number, such as a Social Security Number, is assigned to the account and has tax responsibility. Offer is not available to customers that received a bonus for opening a Wells Fargo consumer checking account within the past 12 months, are Wells Fargo employees, or are non-resident aliens or foreign entities signing any version of IRS Form W-8. Accounts offered to qualifying clients of the Wells Fargo Private Bank experience are not eligible for this offer.

To receive the $325 bonus:

you must use your bonus offer code when opening a new Wells Fargo consumer checking account, which is subject to approval, by October 15, 2025 and receive $1,000 or more in qualifying electronic deposits within 90 calendar days of account opening (the “qualification period”). A qualifying electronic deposit is a deposit of funds, such as your salary, government benefit payment, or other income, that has posted to your account and is (1) a direct deposit made through the Automated Clearing House (ACH) network, (2) an instant payment processed through the RTP® network (real-time payment system) or FedNow℠ Service, or (3) an electronic credit from a third party service that facilitates payments to your debit card using the Visa® or Mastercard® network (e.g., an Original Credit Transaction). Transfers from one account to another, mobile deposits, Zelle®, or deposits made at a branch or ATM are not considered a qualifying electronic deposit. An ACH direct deposit made available early with Early Pay Day does not count toward the bonus requirements until it posts to your account and is no longer pending (e.g., scheduled payment date).

After the 90-day qualification period, if you have met all requirements, we will deposit the bonus into your new account within 30 calendar days. Your new account must stay open through the time we attempt to deposit the bonus. We may close accounts with a zero balance without prior notice. You are responsible for any taxes due on the bonus. We will report the bonus as income to tax authorities, as required by applicable law. If you are subject to backup withholding at the time of payment, we may withhold the required amount and remit to tax authorities.

Other Terms:

This offer may be discontinued or changed at any time without notice and cannot be combined with any other consumer deposit offer (limit one bonus per customer/account). Offer cannot be reproduced, purchased, sold, transferred, or traded.

Talk with a banker or see the “Consumer Account Fee and Information Schedule” and “Deposit Account Agreement” available at wellsfargo.com/depositdisclosures for complete checking account details, including the applicable monthly service fee and options to avoid it. The actions required for this bonus are separate from the actions available to avoid the monthly service fee.

Private Bank savings accounts and CDs are offered by Wells Fargo Bank, N.A., Member FDIC to those clients qualifying for the Private Bank Experience.

**The Wells Fargo Everyday Checking account monthly service fee is $10. Minimum opening deposit is $25.

The monthly service fee can be avoided with one of the following each fee period:

$500 minimum daily balance. The minimum daily balance will increase to $1,500 for fee periods that begin on or after October 25, 2025.
$500 or more in total qualifying electronic deposits.
- A qualifying electronic deposit is a deposit of funds, such as your salary, government benefit payment, or other income, that has posted to your account and is (1) a direct deposit made through the Automated Clearing House (ACH) network, (2) an instant payment processed through the RTP® network (real-time payment system) or FedNow℠ Service, or (3) an electronic credit from a third party service that facilitates payments to your debit card using the Visa® or Mastercard® network (e.g., an Original Credit Transaction).
- Transfers from one account to another, mobile deposits, Zelle®, or deposits made at a branch or ATM are not considered a qualifying electronic deposit.
A primary account owner who is 17 to 24 years old. (When the primary account owner reaches the age of 25, age can no longer be used to avoid the monthly service fee.)
A qualifying monthly non-civilian military direct deposit with the Wells Fargo Worldwide Military Banking program.
- You will receive your Worldwide Military Banking program benefits 45 days after your qualifying non-civilian military direct deposit is deposited into your eligible Wells Fargo checking account. For more information on the qualifying non-civilian military direct deposit, program qualifications and benefits, please visit wellsfargo.com/military/worldwide-military-banking or wellsfargo.com/depositdisclosures.
Effective for fee periods that begin on or after October 25, 2025, the monthly service fee can also be avoided by the following account activity:
- $5,000 or more in qualifying deposit balances, investment balances, or both.
  - On the last business day of each fee period balances in eligible Wells Fargo accounts will be automatically totaled. Eligible accounts include consumer deposit account balances (checking, savings, CDs, FDIC-insured IRAs), certain investment account balances, and applicable Wells Fargo bank fiduciary and custody accounts.

1. With Zero Liability protection, you will be reimbursed for promptly reported unauthorized card transactions, subject to certain conditions. Please see the applicable Wells Fargo account agreement or debit and ATM card terms and conditions for information on liability for unauthorized transactions.

2. Subject to account eligibility requirements.

3. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply. Fargo is only available on the smartphone versions of the Wells Fargo Mobile® app.

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iCloud Keychain, iPad, iPad Pro, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Wallet is a trademark of Apple Inc. App Store is a service mark of Apple Inc.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.

Western Alliance Bank:

*The annual percentage yield (APY) is accurate as of September 30, 2025 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.

Accurate as of the time of publication. The national average rate referenced is from the FDIC’s published
National Rates and Rate Caps for Savings deposit products, accurate as of 09/15/2025. See the FDIC
website for more information.

Relay:

Relay is a financial technology company, not a bank. Banking services and FDIC insurance are provided through Thread Bank¹; Member FDIC. The Relay Visa® Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® debit cards are accepted.

Mercury:

*Mercury is a fintech company, not an FDIC-insured bank. Checking and savings accounts are provided through our bank partners Choice Financial Group, Column N.A., and Evolve Bank & Trust; Members FDIC. Deposit insurance covers the failure of an insured bank. Checking and savings account deposits may be held by sweep network banks. Certain conditions must be satisfied for pass-through insurance to apply. Learn more here.

**Mercury Treasury, offered by Mercury Advisory, LLC, an SEC-registered investment adviser, seeks to earn net returns up to 4.26% annually on your idle cash. Net return or yield provided assumes total Mercury deposits of $20M+, is accurate as of 08/11/2025, and is subject to change.

This communication does not constitute an offer to sell or the solicitation of any offer to purchase any security. Funds in Mercury Treasury are subject to investment risks, including possible loss of the principal invested, and past performance is not indicative of future results. Some of the data contained in this message was obtained from sources believed to be accurate but has not been independently verified. Please see full disclosures at mercury.com/treasury. Mercury Advisory is a wholly-owned subsidiary of Mercury Technologies.

Mercury Treasury is not insured by the FDIC. Funds in Mercury Treasury are not deposits or other obligations of Choice Financial Group, Column N.A., or Evolve Bank & Trust, and are not guaranteed by Choice Financial Group, Column N.A., or Evolve Bank & Trust.

Chime:

*Terms apply. Limited time only, must open the new account and complete qualifying activities to earn 3 individual rewards, up to a max of $350.00, as described at https://www.chime.com/policies/newmemberofferv3.

‡SpotMe® eligibility requirements and limits apply. Overdraft only applies to debit and credit card transactions and cash withdrawals. Limits range from $20-$200.

^Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

^^Optional services and products may have fees or charges. Learn more at chime.com/feesinfo

Chime® is a financial technology company, not an FDIC-insured bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

Current:

Current is a financial technology company, not an FDIC-insured bank. Banking services provided by Choice Financial Group, Member FDIC. The Current Visa® Debit Card, which may be issued by Choice Financial Group and/or Cross River Bank, is pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

*Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Delays by the employer, payer, or their banks may result in delayed access to funds beyond our control.

*Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. No minimum balance required. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. To earn a Boost rate of 4.00% with at least one Eligible Payroll Deposit equaling a minimum of $200. For more information, please refer to Current Boost Terms and Conditions.