• BUSINESS CHECKING ACCOUNTS

    Business checking accounts built to help you succeed

    A U.S. Bank business checking account helps your money go further with smart online banking tools and personalized support from our business banking experts.

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    OPEN A NEW BUSINESS
    CHECKING PACKAGE

    Earn up to1

    $1,200

     3.30 %

    Run your business efficiently with U.S. Bank business checking accounts.

    Fraud protection

    Minimize risk and protect company information with fraud prevention tools.

    Money movement

    Conveniently transfer money between your checking and savings accounts and pay multiple billers in minutes.

    360-degree view

    Integrate your third-party accounting, budget management and tax programs for a full view of your finances.

    Cash flow monitoring

    Forecast cash flow with an online business banking dashboard to help you plan ahead.

    Explore business checking options.

    Open an account today with a minimum deposit of $100, then add more money as you grow. For a comprehensive list of account pricing, terms and policies, reference the Business Essentials Pricing Information Brochure and Business Pricing Information Brochure.

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    U.S. Bank Business Essentials®

    Included with this option:

    • $0 monthly maintenance fee

    • Unlimited digital transactions2

    • 25 free teller and paper transactions per statement cycle3

    • Free mobile card reader4 with $0 software fee

    • Free same-day access to funds5

    Earn a $400 bonus

     

    Deposit at least $5,000 in new money1 within 30 days of opening your new Business Essentials account. You must maintain a balance6 of at least $5,000 for 60 days after account opening and complete five qualifying transactions.

     

    Offer valid through January 14, 2026.

     

    Promo code: Q4PRO25

    Promo code will automatically be applied.

    Apply now
    Learn more

    U.S. Bank Platinum Business Checking Package

    Included with this option:

    • $30 or $0 monthly maintenance fee when you meet requirements7

    • 550 free transactions per statement cycle8

    • $0.40 fee for each additional transaction9

    Earn a $1,200 bonus

     

    Deposit at least $25,000 in new money1 within 30 days of opening your new Platinum Business Checking Package. You must maintain a balance6 of at least $25,000 for 60 days after account opening and complete five qualifying transactions.

     

    Offer valid through January 14, 2026.

     

    Promo code: Q4PRO25

    Promo code will automatically be applied.

    Apply now
    Learn more

    U.S. Bank Gold Business Checking Package

    Included with this option:

    • $20 or $0 monthly maintenance fee when you meet requirements7

    • 350 free transactions per statement cycle8

    • $0.45 fee for each additional transaction12

    Apply now
    Learn more

    Premium Business Checking Package

    Included with this option:

    • $33 monthly maintenance fee

    • Offset account fees through an earnings credit, which is calculated based on your balance.14 15

    Make an appointment
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    Nonprofit Checking Account

    Included with this option:

    • $0 monthly maintenance fee

    • 1,800 free transactions per calendar year8

    • $0.50 fee for each additional transaction16

    Apply now
    Learn more

    Additional benefits

    Enjoy the perks that come with all U.S. Bank business checking accounts. Each account includes added benefits that give businesses convenient resources to manage their money.

    U.S. Bank Visa® Debit Card

     

    Receive a U.S. Bank Business Visa® Debit Card with any U.S. Bank business checking account to make purchases directly from your account anywhere Visa is accepted.

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    Online banking

     

    Move money to and from your checking account when you want from your desktop, tablet or mobile devices.

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    Bill pay

     

    Use bill pay in U.S. Bank online or mobile banking to review, track and pay all your bills in one secure place with the flexibility to use your credit card or checking account.

    Learn more

    U.S. Bank is a very important partner for our company. They help us manage our day-to-day cash flow needs. They also understand our growth plans and are consulting with us on how we can inject capital into the business to grow our manufacturing footprint in other states.

    Rolando Pozos, owner of Amapola Deli & Market, U.S. Bank client

    Read the story

    Getting started with a U.S. Bank business checking account

    Collect necessary documents for the application.

    • Your business’s Employer Identification Number (EIN) or tax ID number (sole proprietors can use the owner’s Social Security number)
    • Articles of Incorporation, Articles of Organization, or a charter or a similar legal document that indicates when your company was formed (not required for sole proprietors)
    • Government-issued photo ID and Social Security number for you and anyone else authorized to sign checks or make transactions on behalf of your organization
    See all application requirements

    Open your checking account.

    After you’ve opened your account, move funds seamlessly.

    Download the EZ Switch Kit (PDF)

    Simplify payments with bill pay for business.

    Take control of your finances directly from your business online banking dashboard. Easily schedule and make payments using your credit card or checking account, all with the confidence that your bank details remain secure and private.

    Learn more

    Manage payroll from your business online banking dashboard.

    U.S. Bank Payroll powered by Gusto centralizes the tools you need to run payroll, automate tax filings and simplify daily business activities.21

    Learn more

    Common questions about business checking accounts

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    Payment solutions

    U.S. Bank payment solutions provides comprehensive payment processing solutions for businesses of all sizes. Get secure, reliable & efficient service now.

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    Let’s connect.

    Explore locations

    Find the U.S. Bank branch nearest you.

    Make an appointment

    Schedule a virtual or in-person meeting with a business banker.

    Request a call

    Fill in details about your banking needs and a representative will call you.

    Call us

    Call 866-430-1547 to talk with a representative right away.

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    Start of disclosure content

    Disclosures

    1. Footnote 1

      Promo code Q4PRO25 MUST be used when opening a U.S. Bank Business Essentials® or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.

      Bonus Options

      • Earn your $400 Business Checking bonus by opening a new U.S. Bank Business Essentials account between 10/01/2025 and 1/14/2026. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.

      or

      • Earn your $1,200 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking account between 10/01/2025 and 1/14/2026. You must make deposit(s) of at least $25,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $25,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.

      Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay, or payment received via U.S. Bank Payment Solutions. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.

      New money is considered money that is new to U.S. Bank. Funds must come from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials Pricing Information Document for a list of fees.

      Bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.

      Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.

      All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials Pricing Information and YDAA disclosure. These documents can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.

      Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.

      Return to content, Footnote 1
    2. Footnote 2

      Digital transactions include electronic deposits, electronic withdrawals, ATM transactions, Elavon payment processing credits and chargebacks, electronic transfers, ACH, debit card purchases. Certain transactions may have additional service fees. Refer to U.S. Bank Business Essentials® Pricing Information or contact your Business Banker for complete pricing information.

      Return to content, Footnote 2
    3. Footnote 3

      Teller transactions include deposits and withdrawals made with a banker/teller at a branch and paper checks written on the account. Transactions are $0.50 each once free transactions are surpassed. Certain transactions may have additional service fees. Refer to U.S. Bank Business Essentials® Pricing Information or contact your Business Banker for complete pricing information.

      Return to content, Footnote 3
    4. Footnote 4

      One free mobile card reader is included and is only available for customers applying for a new U.S. Bank Business Essentials® account through the online application. If the hardware selected is not available, we'll send you a comparable device with similar features. Card reader cannot be redeemed for any other hardware purchase or account credit. Additional card readers available for a fee.

      Return to content, Footnote 4
    5. Footnote 5

      Sales are processed daily and deposited into the associated checking account. Funding speeds will vary between weekdays and weekends and are dependent on batch settlement times. Batches will be processed every day, including weekends. Changing the account that your funds are deposited into may impact your funding speeds. Fee to retain daily funding and deposit applies when the associated checking account is a non-U.S. Bank checking account. Please see the U.S. Bank Business Essentials® Payment Processing Terms of Service and Operating Agreement for details.

      Return to content, Footnote 5
    6. Footnote 6

      The daily balance is the balance at the end of each business day, equal to the beginning balance for that day plus the current business day credits, minus the current business day debits. Business days are Monday through Friday; federal holidays are not included. For additional information call 855-955-2760 or visit your local branch for a copy of Business Pricing Information disclosure or Business Essentials Pricing Information disclosure or refer to Your Deposit Account Agreement (YDAA).

      Return to content, Footnote 6
    7. Footnote 7

      Monthly Maintenance Fee Waiver Options: Gold Business Checking: U.S. Bank Payment Solutions OR $10,000 average collected account balance OR $20,000 combined average collected balances across all U.S. Bank business deposit accounts OR $50,000 combined average collected balances and outstanding credit balances. Gold interest-bearing account available with fee waiver options of $25,000/$50,000/$75,000 average collected balances. See banker for details. Platinum Business Checking: U.S. Bank Payment Solutions OR $25,000 average collected account balance OR $75,000 combined average collected balances across all U.S. Bank business deposit accounts and outstanding business credit balances.

      Return to content, Footnote 7
    8. Footnote 8

      A transaction includes deposits and other credits, checks paid and other debits, ACH and deposited items, and signature and PIN-based purchases made with a U.S. Bank Business Debit Card. The U.S. Bank Business Debit Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. 

      Return to content, Footnote 8
    9. Footnote 9

      Transactions are $0.40 each once free transactions are surpassed. A transaction includes deposits and other credits, checks paid and other debits, ACH and deposited items, and signature and PIN based purchases made with a U.S. Bank Business Debit Card. The U.S. Bank Business Debit Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

      Return to content, Footnote 9
    10. Footnote 10

      Business deposit balances only. Balances will be verified 1 day prior to the last day of your statement cycle.

      Return to content, Footnote 10
    11. Footnote 11

      Business credit outstanding balances only. Balances will be verified 1 day prior to the last day of your statement cycle.

      Return to content, Footnote 11
    12. Footnote 12

      Transactions are $0.45 each once free transactions are surpassed. A transaction includes deposits and other credits, checks paid and other debits, ACH and deposited items, and signature and PIN based purchases made with a U.S. Bank Business Debit Card. The U.S. Bank Business Debit Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

      Return to content, Footnote 12
    13. Footnote 13

      Interest rates subject to change without notice.

      Return to content, Footnote 13
    14. Footnote 14

      Analyzed accounts are eligible for earned credits to offset transaction, maintenance and other fees associated with account activity. Visit a U.S. Bank branch for more details.

      Return to content, Footnote 14
    15. Footnote 15

      Earnings Credit Rates may change at any time without prior notice. Earnings Credit: Average Collected Balance Available for Earnings Credit Services (x) Earnings Credit Rate (x) Actual Days in Month (÷) Actual Days in Year. Refer to your Customer Analysis Statement for your current Earnings Credit Rate. For additional information call 855-955-2760 or visit your local branch to talk with a Business Banker.

      Return to content, Footnote 15
    16. Footnote 16

      Transactions are $0.50 each once free transactions are surpassed. A transaction includes deposits and other credits, checks paid and other debits, ACH and deposited items, and signature and PIN based purchases made with a U.S. Bank Business Debit Card. The U.S. Bank Business Debit Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

      Return to content, Footnote 16
    17. Footnote 17

      Units are calculated by dividing each cash deposit by 100 and rounding the results value to a whole number.

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    18. Footnote 18

      25 free cash deposit units per statement cycle. Cash deposit units are calculated by dividing each cash deposit amount by 100 and rounding the resulting value to a whole number. To determine rounding, less than $0.50/$50 is rounded down and more than or equal to $0.50/$50 is rounded up. Any deposit less than $150 equals one unit. Examples: $782.00 equals 8 units, $440.52 equals 4 units. Cash unit allowance applicable to all cash deposits in branch and through U.S. Bank partner ATMs, cash unit allowance not applicable to Cash Vault product. After free units per statement cycle the fee is $0.33 per unit.

      Return to content, Footnote 18
    19. Footnote 19

      250 free cash deposit units per statement cycle. Cash deposit units are calculated by dividing each cash deposit amount by 100 and rounding the resulting value to a whole number. To determine rounding, less than $0.50/$50 is rounded down and more than or equal to $0.50/$50 is rounded up. Any deposit less than $150 equals one unit. Examples: $782.00 equals 8 units, $440.52 equals 4 units. Cash unit allowance applicable to all cash deposits in branch and through U.S. Bank partner ATMs, cash unit allowance not applicable to Cash Vault product. After free units per statement cycle the fee is $0.33 per unit.

      Return to content, Footnote 19

    20. 125 free cash deposit units per statement cycle. Cash deposit units are calculated by dividing each cash deposit amount by 100 and rounding the resulting value to a whole number. To determine rounding, less than $0.50/$50 is rounded down and more than or equal to $0.50/$50 is rounded up. Any deposit less than $150 equals one unit. Examples: $782.00 equals 8 units, $440.52 equals 4 units. Cash unit allowance applicable to all cash deposits in branch and through U.S. Bank partner ATMs, cash unit allowance not applicable to Cash Vault product. After free units per statement cycle the fee is $0.33 per unit.

    21. Footnote 21

      U.S. Bank Payroll is a platform that enables small business customers to access third-party payroll processing services provided by Gusto, Inc. through the existing U.S. Bank online banking experience. U.S. Bank is not affiliated with Gusto, Inc.  For more information, please refer to the Embedded Payroll Service page.

      Return to content, Footnote 21
    Start of disclosure content

    See the U.S. Bank Your Deposit Account Agreement booklet for additional disclosures applicable to deposit accounts. Other conditions and restrictions may apply. Terms may change without notice. For the most current information about packages and benefits available, contact your banker.

    Eligibility requirements and restrictions apply. Please see the Digital Services Agreement for more information.

    Deposit products are offered by U.S. Bank National Association. Member FDIC.

    Credit products offered by U.S. Bank National Association and subject to normal credit approval.

    U.S. Bank Payment Solutions are powered by Elavon, a wholly owned subsidiary of U.S. Bank NA, and may have different privacy and security policies than U.S. Bank. For additional details, refer to the information found on the U.S. Bank Payment Solutions Privacy & Terms of Service page.

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