Checking accounts that do more for your business1

Choose your checking account:

Featured

Earn $900

Platinum Business Checking Account package

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

Promo code: Q4DIR24

Key features:

  • $30 or $0 monthly maintenance fee3
  • 550 free transactions per statement cycle
  • $0.40 fee for each additional transaction4
Apply now

Earn $400

Silver Business Checking Account package

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. 

Promo code: Q4DIR24

Key features:

  • $0 monthly maintenance fee
  • 125 free transactions per statement cycle
  • $0.50 fee for each additional transaction5
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

Easily 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.

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Disclosures

  1. Promo code Q4DIR24 MUST be used when opening a U.S. Bank Silver, Platinum, or Business Essentials (Available in AZ, NV, CO, NM, OH, IN, KY and TN) Business Checking account. Limit of one Business Checking 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 Silver Business Checking or Business Essentials (not available in all markets) account between 10/1/2024 and 1/15/2025. 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.
      or
    • Earn your $900 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking account between 10/01/2024 and 1/15/2025. You must make deposit(s) of at least $30,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $30,000 until the 60th day after account opening.

     

    • 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. Checking 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.
    • The business checking 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. This document 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. 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.

  4. 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.

  5. 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.

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

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

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