Business checking account offers that do more for your business.

Choose your checking account:

Featured

Earn $900

Platinum Business Checking Package

Extra rewards and benefits for businesses with higher balances.

Promo code: Q1DIG25

  • Deposit at least $25,000 in new money within 30 days of account opening and maintain at least that balance2 for 60 days after opening the account.
  • Complete 5 qualifying transactions.

Key features:

  • 550 free transactions per statement cycle
  • $0.40 fee for each additional transaction3
  • $30 or $0 monthly Maintenance fee4


Waive the $30 monthly maintenance fee with any one of the following:

  • U.S. Bank Payment Solutions Merchant Account
  • $25,000 average collected checking balance
  • $75,000 combined average collected business deposits5 and outstanding business credit balances6
Apply now

Earn $500

Silver Business Checking Package

Simplicity, value and convenience for newer or smaller businesses.

Promo code: Q1DIG25

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

Key features:

  • $0 Monthly maintenance fee
  • 125 free transactions per statement cycle
  • $0.50 fee for each additional transaction7
Apply now

What you’ll need to apply

Learn more about application requirements based on your business structure.

U.S. Bank business checking packages 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 undecided about which option is right for you?

Get personalized recommendations and expert insights on financing options.

Talk to an expert

Frequently asked questions

You’ll receive your bonus 30 days following the last calendar day of the month after you have met the qualifications.1 Review the qualifications below:

  • Deposit the required amount of new money within 30 days.
  • Maintain at least that balance2 for 60 days after opening the account.
  • Complete 5 qualifying transactions within 60 days of opening an account to receive your bonus.

Your bonus will be paid out directly to your new U.S. Bank business checking account.

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 a all 5 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.

 

In order to qualify for the promotion, you must maintain the daily balance promotion requirement. Your account will still be in good standing, but you will no longer qualify for the cash bonus.

To open a business checking account, you’ll need:

  • Your business’s Employer Identification Number (EIN) or tax ID number, or your Social Security number if you’re a sole proprietorship. 
  • Articles of Incorporation, Articles of Organization or a charter or similar legal document that indicates when your company was formed. (Not required for sole proprietors.) 
  • Social Security number for you and anyone else authorized to sign checks or make transactions on behalf of your company. 
  • Name, email address and phone number for any additional owners with 25% or more ownership in the company. 

Learn more about application requirements based on your business structure. Or, we can help you find the business checking account that’s right for you. Get a recommendation.

First, you’ll want to determine which features and benefits are the best fit for your business needs. If you're unsure which account is right for you, visit our business banking comparison chart  or take a short quiz to get a personalized recommendation. 

Yes. Every U.S. Bank business checking account includes a U.S. Bank Visa® debit card. 

Start of disclosure content

Disclosures

  1. Promo code Q1DIG25 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 1/16/2025 and 3/31/2025. 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 1/16/2025 and 3/31/2025. 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.

  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 Disclosure or visit https://www.usbank.com/dam/documents/pdf/Deposit-Account-Agreement.pdf to view Your Deposit Account Agreement (YDAA).

  3. 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.

  4. 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.

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

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

  7. 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.

Start of disclosure content

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

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