Opening a separate checking account for your business is not only smart, but it could also protect you and your business. Having a separate checking account for your business leads to many benefits for business owners. You can track financial performance in one place, integrate with accounting software and take advantage of business tools like payroll integration and much more. Combined with the tools in our business dashboard, having a separate account gives you the tools that you’ll need to manage the financials of your company simply and easily.
BUSINESS BANK ACCOUNTS
Looking for a business bank account that does more?
Whether you are a new or well-established business owner, discover banking solutions to take you to the next level.
Enjoy the benefits of a business bank account.
A U.S. Bank business bank account gives you access to everyday benefits and more. Manage your money on your time with our secure digital banking solutions.
Business checking account
Choose a checking account that offers benefits beyond checking.
Business savings account
Prepare for unexpected expenses with a secure savings account.
Business money market accounts
Maximize your earnings with a business money market account.
Business certificates of deposit (CDs)
Explore higher rates when you save for the long term.
Compare your business checking account options.
A U.S. Bank business checking account means more benefits, including online and mobile banking with bill pay, access to flexible tools for card payment processing, check fraud prevention, mobile check deposit, and overdraft protection.
Easy access to your business accounts and business funds.
Get easy access to your business funds.
A U.S. Bank business Visa® debit card lets you make purchases directly from your U.S. Bank business checking account anywhere Visa is accepted in person, online or over the phone.
Bank where and when you want.
Our secure digital banking tools1 provide easy access to manage your money on your time. Deposit a check, pay bills and send money with ease.
Share access using online banking.
Share custom access to your business accounts with employees and partners through online banking. View reports on who has access to each account, their access level and daily limits.
A U.S. Bank business bank account is good business.
We work as a partner to provide financial products and services that make banking safe, simple and convenient. Our dedication to making ethical decisions and doing the right thing is at the heart of what we do and has earned us recognition as one of the World’s Most Ethical Companies® by Ethisphere eight years in a row.
Explore insights to run your business.
Get answers to questions from U.S. Bank Financial IQ.
How to get faster funding with a business checking account.
The time between receiving customer payments and that cash being made available in your account is uncertain. Learn how to get funding in hours.
How to start a business plan.
A business plan helps you clarify your business goals and increases your chances of reaching them. Use this guide to get started and promote your business to investors or banks.
How to manage your money when you’re self-employed.
Being your own boss means managing cash flow, retirement planning and legal and tax rules. Learn why it’s important to separate your business and personal bank accounts.
Explore a single source of truth for cash.
From business checking to payment solutions, U.S. Bank offers products, resources and services to help small businesses thrive, all in one place.
Pay & receive
Business banking options that seamlessly integrate with payment solutions to help you manage your business finances with ease.
Manage & run
Streamline your operations and make informed money decisions with a clear view of your finances in one place.
Plan & progress
Take your business to the next level with expert advice, lending solutions and staff management tools designed for growth.
Frequently asked questions
Small business owners have a lot of options when looking for a bank account. Three things to consider are 1) user-friendly technology that allows for an easy application process, 2) timely customer service to reach out to a banker when questions arise, and 3) a trusted financial partner. Make sure to comparison shop. Use our EZ Switch Kit for a seamless transition to your new U.S. Bank business checking account.
To make a professional impression, you need a business bank account. Your potential customers need to see you as a trust-worthy business owner. There are legal, regulatory and insurance items to consider as well such as choosing a business structure, registering a business name and signing up for a business tax ID number.
A business savings account is essential so you’re prepared for unexpected expenses. A business savings or money market account also typically have better interest rates than checking accounts. A money market account works well if you have a larger amount of savings, typically $10,000 or more. A general rule is the higher the balance, the higher the interest earned.
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