Business Checking: SinglePoint Operating Accounts for American Companies

SinglePoint business checking delivers four operating-account tiers engineered for American business payment volume — Silver, Gold, Platinum and Analysis. Every tier carries FDIC coverage, posts intraday balance updates, connects to the SinglePoint treasury sweep and exports native BAI2/MT940 to your ERP.

Operating accounts are the plumbing underneath every wire, ACH batch and supplier payment. SinglePoint checking is priced by usage, not retail convention — per-transaction fees, earnings credit offset, consolidated analysis billing and sub-account architecture come standard. Deposit insurance is administered by the FDIC.

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SinglePoint business checking dashboard showing four operating account tiers with balance and earnings credit widgets

Silver Business Checking

The SinglePoint entry tier for sole proprietors, LLCs and early-stage companies. Up to 150 included transactions per month, $10 USD monthly maintenance fee (waived with $5,000 USD average collected balance), unlimited in-network ATM access across 4,500+ U.S. Bank locations. Includes SinglePoint mobile banking, bill pay and ACH debit origination up to $10,000 USD per day.

Gold Business Checking

For established small businesses running payroll and recurring supplier AP. Up to 500 included transactions per month, $25 USD monthly fee (waived at $20,000 USD balance), includes 2 domestic Fedwires per month at no additional charge. Supports dual-control approval on wires above $10,000 USD and connects to the SinglePoint positive pay workbench.

Platinum Business Checking

Built for middle-market operators processing 1,000+ monthly items. No cap on transactions with per-item fees at Platinum rates, $75 USD monthly fee waived at $75,000 USD balance. Includes sub-account architecture (up to 25 sub-accounts per parent), multi-currency checking sub-accounts in 9 currencies and priority SinglePoint service centre routing.

Analysis Business Checking

The enterprise SinglePoint operating account. No monthly fee — instead a monthly analysis statement where earnings credit from collected balances offsets itemised service charges on a dollar-for-dollar basis. Consolidated billing across all accounts in the legal entity structure, unlimited sub-accounts, and direct integration with the SinglePoint custom report builder.

Tier	Monthly Fee	Included Items	Earnings Credit	Best For
Silver Business Checking	$10 USD (waived at $5K balance)	150 items/month	Not applicable	Sole proprietors & early-stage LLCs
Gold Business Checking	$25 USD (waived at $20K balance)	500 items/month	Not applicable	Small businesses running payroll & AP
Platinum Business Checking	$75 USD (waived at $75K balance)	Unlimited (per-item rates)	Optional opt-in credit rate	Middle-market operators, 1,000+ items
Analysis Business Checking	Itemised monthly analysis	Unlimited (analysis billed)	Full ECR offset, monthly reset	Enterprise treasury with $100K+ balances
Non-Profit Business Checking	$0 with 501(c)(3) letter	300 items/month	Not applicable	Registered American non-profits

Per-Transaction Fees and Included Items

Every SinglePoint tier defines an included item count before per-item pricing begins. A "transaction" in SinglePoint terminology covers paper cheques paid, deposit items processed, ACH debits, ACH credits, in-person teller transactions and internal transfers. Electronic items (mobile deposits, online transfers) typically price lower than paper items. Domestic wires price separately from the item count.

On Platinum and Analysis accounts, the line-item schedule breaks out pricing by category: $0.12 USD per ACH credit, $0.15 USD per ACH debit, $0.22 USD per deposited cheque item, $15 USD per outgoing Fedwire, $45 USD per outgoing SWIFT. All rates appear on your SinglePoint monthly analysis statement.

SinglePoint account analysis statement showing itemised per-transaction fees with earnings credit offset column

SinglePoint earnings credit calculation worksheet showing 90-day Treasury bill reference rate and reserve factor

Earnings Credit Rate (ECR) Mechanics

On Analysis Business Checking, collected balances (not ledger balances — only funds that have cleared Fed float) earn a monthly Earnings Credit Rate reset the first business day of each month. The SinglePoint ECR tracks the prior-month 90-day Treasury bill average less a statutory reserve requirement factor applied to transaction-account balances under Federal Reserve reserve requirements.

Earnings credit is credited — not paid — against service fees inside the monthly analysis statement. Dollars of credit offset dollars of fees. Any unused earnings credit does not roll forward to subsequent months in the default SinglePoint setup, but enterprise clients can negotiate rolling credit windows through their U.S. Bank Relationship Manager.

Sub-Account Architecture for Multi-Entity Operators

Platinum and Analysis SinglePoint accounts support up to 25 (Platinum) or unlimited (Analysis) sub-accounts beneath a single parent DDA. Sub-accounts share the parent's routing and account number for Fed reporting but maintain independent ledger balances, independent transaction history and independent reporting scope inside SinglePoint.

Common structures: one sub-account per legal entity in a consolidated group, one per department (marketing, R&D, operations), one per project, or one per currency. Sub-accounts roll up to the parent for the nightly SinglePoint treasury sweep, which is how multi-entity operators achieve single-concentration cash management without unwinding the legal structure.

SinglePoint sub-account hierarchy diagram with parent DDA and multiple departmental ledger sub-accounts

Account Snapshot

SinglePoint multi-currency sub-accounts support USD, EUR, GBP, CAD, MXN, JPY, AUD, CHF, CNY.
FX conversion on SinglePoint settles T+0 for majors, T+1 for minors, at institutional spreads.
Overnight sweep targets a configurable minimum collected balance, excess moves to SinglePoint business money market.
FDIC coverage: $250,000 USD per depositor, per ownership category, per insured bank.
Sub-accounts do not each receive separate FDIC coverage — the parent DDA is the insured account of record.

Multi-Currency Checking Inside SinglePoint

Import and export operators holding foreign-denominated receivables can open EUR, GBP or MXN sub-accounts beneath a Platinum or Analysis parent. Incoming SWIFT wires in the foreign currency settle directly into the currency sub-account with no forced conversion. Convert on your own schedule inside SinglePoint FX.

Overnight Sweep Handshake

Configure a target collected balance on your SinglePoint checking. At end-of-day Fed close, balances above the target sweep to a linked SinglePoint business money market. Balances below trigger an intra-bank reverse sweep. The sweep calculation runs nightly and appears on the next day's SinglePoint dashboard.

Zero-Balance Account Integration

Enterprise Analysis clients pair checking with Zero-Balance Accounts (ZBA) for automated cash concentration. Disbursement accounts fund from the concentration account on demand. Deposit accounts sweep up to concentration nightly. The full ZBA structure lives inside SinglePoint with no external cash-management overlay required.

The SinglePoint operating account is the anchor for everything else — without a checking account, there is no ACH origination, no wire out, no card settlement, no loan payment. Choosing the right tier is less about the monthly fee and more about the per-item pricing underneath, the earnings credit recovery of analysis billing, and whether sub-accounts or multi-currency settlement materially change how your treasury team reconciles month-end. Discuss tier selection with your U.S. Bank Relationship Manager before opening — the $150 USD/month difference between Gold and Platinum can be worth $30,000 USD annually when 2,000 monthly items drop from Gold overage pricing to Platinum schedule rates.

Which SinglePoint business checking tier is right for my company?

Silver fits sole proprietors under 150 items/month. Gold suits small businesses at 150-500 items. Platinum runs high-volume operators with 1,000+ items. Analysis Business Checking is the enterprise tier where earnings credit offsets fees based on collected balances above $100,000 USD. Discuss selection with your Relationship Manager.

What is the earnings credit rate on SinglePoint Analysis Business Checking?

The SinglePoint ECR resets monthly against the 90-day Treasury bill average less a reserve requirement factor. Credit offsets itemised service charges inside the monthly account analysis statement on a dollar-for-dollar basis.

Are SinglePoint business checking accounts FDIC insured?

Yes. All accounts sit at U.S. Bank National Association, an FDIC-insured institution. Coverage: $250,000 USD per depositor, per ownership category, per insured bank. Multi-entity structures with separate legal ownership receive separate coverage limits.

Can SinglePoint checking hold multiple currencies?

Yes. SinglePoint multi-currency sub-accounts support USD, EUR, GBP, CAD, MXN, JPY, AUD, CHF, CNY under a Platinum or Analysis parent. FX conversion uses institutional spreads inside SinglePoint FX.

How do sub-accounts work in SinglePoint business checking?

Sub-accounts sit beneath a parent Platinum or Analysis DDA, share a single Fed account number but keep independent ledger balances. Used for per-entity, per-department, per-project or per-currency segregation. Roll up to parent for the nightly SinglePoint treasury sweep.

Business Checking: SinglePoint Operating Accounts for American Companies

Four SinglePoint Business Checking Tiers

Silver Business Checking

Gold Business Checking

Platinum Business Checking

Analysis Business Checking

SinglePoint Business Checking — Tier Comparison

How SinglePoint Checking Actually Works in Operations

Per-Transaction Fees and Included Items

Earnings Credit Rate (ECR) Mechanics

Sub-Account Architecture for Multi-Entity Operators

Multi-Currency SinglePoint Checking and the Sweep Handshake

Account Snapshot

Multi-Currency Checking Inside SinglePoint

Overnight Sweep Handshake

Zero-Balance Account Integration

People Also Ask About SinglePoint Business Checking

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