Business checking account offers that do more for your business.

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Earn $500

U.S. Bank Business Essentials

Checking and card payment acceptance in one connected experience.

Promo code: Q2DIG25

  • Deposit at least $5,000 in new money within 30 days of account opening.
  • Maintain at least $5,000 balance2 for 60 days after account opening.
  • Complete five qualifying transactions within 60 days.

Key checking features:

  • $0 monthly maintenance fee
  • Unlimited digital transactions3
  • 25 free teller and paper transactions per statement cycle4

Key payment features:

  • Free same-day access to funds5
  • Free mobile card reader6
  • $0 software fees
Apply now

Earn $900

Platinum Business Checking Package

Extra benefits for businesses with high balances and transaction activity.

Promo code: Q2DIG25

  • Deposit at least $25,000 in new money within 30 days of account opening.
  • Maintain at least $25,000 balance2 for 60 days after opening the account.
  • Complete five qualifying transactions within 60 days.

Key features:

  • 550 free transactions per statement cycle
  • $0.40 fee for each additional transaction7
  • $30 or $0 monthly Maintenance fee8
Apply now

What you’ll need to apply

Learn more about application requirements based on your business structure.

Business checking account promotions do more for you.

Security

Minimize risk and protect company information with fraud-prevention tools.

Money movement

Transfer money and pay multiple billers in minutes.

Connect programs

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

Monitor cash flow

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

Still have questions? Let's connect you to the right person.

Call Monday through Friday: 8 a.m. to 6 p.m. CT.

Frequently asked questions

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.

Note: You must make all five qualifying transactions within 60 days of opening your account to receive your bonus.

Not eligible: Other transactions such as (but not limited to) other person-to-person payments, transfers to credit card or transfers between U.S. Bank accounts

Start of disclosure content

Disclosures

  1. Footnote 1

    Promo code Q2DIG25 MUST be used when opening a U.S. Bank Silver, Platinum, or Business Essentials Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts. Business Essentials is not available in all markets; contact a banker for more details.

    Bonus Options

    • Earn your $500 Business Checking bonus by opening a new U.S. Bank Silver Business Checking or Business Essentials account between 4/03/2025 and 6/30/2025. 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 $900 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking account between 4/03/2025 and 6/30/2025. 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. 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

    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 2
  3. Footnote 3

    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 3
  4. Footnote 4

    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 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

    One free Ingenico Moby/5500 card reader is included and is only available for customers applying for a new U.S. Bank Business Essentials® account through the online application. Card reader cannot be redeemed for any other hardware purchase or account credit. Additional card readers available for a fee.

    Return to content, Footnote 6
  7. Footnote 7

    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 7
  8. Footnote 8

    Monthly Maintenance Fee Waiver Options: Platinum Business Checking: U.S. Bank Payment Solutions Merchant Banking OR $25,000 average collected balance OR $75,000 combined average collected business deposits and outstanding business credit balances.

    Return to content, Footnote 8
  9. Footnote 9

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

  10. Footnote 10

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

Other conditions and restrictions may apply. Terms may change without notice.

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

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