American Express Business Checking vs U.S. Bank Silver Business Checking: which one fits your business?
Side-by-side comparison of American Express Business Checking and U.S. Bank Silver Business Checking — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: American Express Business Checking wins on our scorecard (7.7/10 vs 6.7/10).
| Scored on | American Express Business Checking | U.S. Bank Silver Business Checking |
|---|---|---|
| Right fit for small biz | 7 | 7 |
| Ease of use | 8 | 7 |
| Fees & pricing | 9 | 8 |
| Customer support | 7 | 5 |
| Features | 7 | 6 |
| Monthly Maintenance Fee | $0 | $0 |
| Domestic ACH | $0 | — |
| Incoming Wires | $0 | — |
| Minimum Opening Deposit | $0 | $100 |
| Free Transactions per Month | — | 125 |
| Cash Deposit Limit (Free) | — | $2,500 |
| Outbound Domestic Wire | — | $30 (approx) |
American Express Business Checking in one paragraph
A powerhouse for existing Amex loyalists who want to earn passive interest on their cash without the headache of monthly maintenance fees.
Skip it if: You need to deposit physical cash regularly or require Zelle to pay your contractors.
U.S. Bank Silver Business Checking in one paragraph
A solid, no-fee 'starter' account for low-volume service businesses that want the security and lending access of a national bank.
Skip it if: You process more than 125 transactions per month or deposit more than $2,500 in physical cash monthly.
Frequently asked questions
Which is better, American Express Business Checking or U.S. Bank Silver Business Checking?
On our five-axis scorecard, American Express Business Checking scores higher (7.7/10 vs 6.7/10). A powerhouse for existing Amex loyalists who want to earn passive interest on their cash without the headache of monthly maintenance fees.
Who should skip American Express Business Checking?
You need to deposit physical cash regularly or require Zelle to pay your contractors.
Who should skip U.S. Bank Silver Business Checking?
You process more than 125 transactions per month or deposit more than $2,500 in physical cash monthly.