U.S. Bank has designed a selection of depository services that can be matched to meet your particular needs. We offer a range of checking, money market and specialized depository accounts to help you manage your transaction activity. We also provide cash services and depository tools, such as reconciliation and returned item services.

• Commercial Checking Accounts
• Business Money Market Accounts
• Interstate Banking Account
• Focal Point Plus
• Zero Balance Account
• Check Collections (Pre-encoded Deposits)
• Returned Items
• Returned Check Management Services
• Deposit Reconciliation Tools
• Branch Cash Services
• Cash Vault Services
• Courier Services

Checking accounts are the fundamental tool for a business' deposits and disbursements. U.S. Bank has a selection of commercial checking accounts for mid-size to large businesses, non-profits and governmental entities. The primary U.S. Bank demand deposit accounts used by treasury management customers are:

• Commercial Checking & Commercial Checking with Interest
  Designed for large organizations with a high volume of monthly transactions (more than 600 checks written and/or items deposited)
• Premium Business Checking & Premium Business Checking with Interest
  Designed for mid-size to large organizations with a moderate volume of monthly transactions (300 to 600 checks written and/or items deposited)

Our business money market accounts are secure and flexible. If you consistently maintain balances in excess of $20,000, these interest bearing accounts could be for you. U.S. Bank offers two business money market accounts that have similar features:

Premium Business Money Market
This account offers a secure and cost-effective way to boost the productivity of your company's excess cash. By linking it to a U.S. Bank Premium Business Checking or U.S. Bank Corporate Checking account, you can offset service charges as well as earn interest on balances. You also receive:

• Tiered interest rates that pay more for higher balances than traditional checking accounts.
• FDIC insurance up to the legal limits.

• Tiered interest rates that pay more for higher balances than traditional checking accounts.
• FDIC insurance up to the legal limits.

Use a single account to make deposits at any U.S. Bank location in any state with our Interstate Banking account. If you have multiple locations, you can streamline your account structure and benefit from:

• Reduced cash concentration costs and account maintenance fees by eliminating unneeded accounts.
• Consolidated account information, making it easier to monitor balances and activity.
• Simplified account reconciliation.

Are you interested in consolidated information reporting and concentrated funds without sacrificing location-specific detail? Focal Point Plus allows you to make deposits into separate accounts at local branches or cash vaults and automatically concentrate funds and information reporting into a single master account.

• Simplify your banking relationship and gain convenient access to our extensive, multi-state network of branches and cash vaults.
• Find additional information under Branch Cash Services and Cash Vault Services.

Zero Balance Accounts (ZBA) allow you to establish a related account structure that automatically adjusts the balance of the subsidiary account(s) to zero or an amount you predetermine at the end of the day. You can:

• Eliminate idle balances with automatic funds concentration or disbursement funding.
• Set the transfer criteria to meet your needs.

U.S. Bank operates one of the largest check collection services in the country. We maintain state-of-the-art equipment and have an extensive check-clearing network. By delivering your pre-encoded check deposits directly to one or more of our check processing centers located in several states you can:

• Reduce pricing on pre-encoded items deposited.
• Enhance funds availability by delivering checks at key deposit deadlines for your mix of check endpoints.
• Benefit from flexible processing arrangements for multiple deposits throughout the day, including evenings and weekends, as well as extended deadlines for pre-sorted work.

We offer a range of options to help you reduce your processing and handling costs of deposited checks that have been returned to U.S. Bank unpaid. You can:

• Save on handling expenses by automatically re-depositing first time returned NSF and uncollected funds items.
• Receive timely notification by choosing from a variety of notification options, including hourly or end-of-day faxes.

We help businesses with a high monthly volume of returned items by providing tools to help manage their returns.

• Save time managing returns from multiple locations using our Returned Check Consolidation (RCC). We can consolidate all returned items into one account regardless of the original deposit location. Using RCC will speed the flow of your returned items into collections anywhere from 3-5 business days.
• Re-present returned items twice electronically with RCK. This includes consumer checks under $2,500 returned for NSF or uncollected funds. Re-presentments can be timed to correspond with common paydays.
• Access reports that detail returned item activity and the front-and-back of check images via the Internet. Reports can be sorted and downloaded, ready for import into Microsoft^® Excel.
• Collect service fees automatically once the face value of a check has been collected.

Track deposits made by all of your locations into a single U.S. Bank account by using unique, pre-encoded deposit tickets for each location. Save time and money compared to maintaining and reconciling separate accounts using one of these tools:

• Deposit Reconciliation
  This service provides comprehensive information on your deposits for each of your locations.
• Deposit Recap
  This streamlined report will provide you with deposit details and subtotals by your locations.

Our Branch Cash Services are designed for entities that make frequent cash deposits and/or require a continuous inventory of coin and currency at their locations. They are available for use when a U.S. Bank Cash Vault location is not in your area.

• Convenient access to thousands of branches across our footprint
• A wide selection of packaging, counting and delivery options at our full service branches to meet your needs
• Secure night deposit service after bank hours

If you make frequent cash deposits and/or require a continuous inventory of coin and currency at your locations, our multi-state network of Cash Vault processing locations is for you. The large footprint of 34 cash vault locations across 18 states allows for concentration of your cash processing needs.

U.S. Bank Cash Vault Services offer you:

• Automated deposit tracking from receipt to verification, allowing the cash vault to constantly monitor the status of your deposits.
• Same day credit for all deposits received by our established cash vault location deadlines.
• Verification of cash deposits within 24 hours of receipt allows for more timely reconciling of your cash flow.
• Convenient, automated cash ordering is available around the clock.
• Enhanced security, which is of utmost importance to cash vault services. This includes secured docks for delivery of your deposit by armored courier, video surveillance, counterfeit detection in all currency counting equipment, and dual custody processing.

If you are located in select metropolitan areas, we will arrange the courier pickup and delivery of your check-only deposits directly to a U.S. Bank item processing site for deposit.

• Save the time and expense of driving to the bank to make deposits.
• Schedule regular pickups or use our on-call service to meet your needs.
• Improve your cash flow with timely, dependable pickup and deposit of your checks.