Benefits of U.S. Bank business checking accounts

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.


Business accounts you need to succeed

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 Pricing Information brochure or Business Essentials Pricing Information brochure.

Featured - U.S. bank business essentials

Business checking and card payment processing in one simplified solution

  • Unlimited digital transactions1
  • 25 free teller and paper transactions per statement cycle2
  • Free card reader3with $0 software fee
  • Free same-day access to funds4

$0 monthly maintenance fee

Apply now Learn more

U.S. BANK Gold Business Checking Package

Flexibility and value for businesses with moderate transaction activity

  • 350 free transactions per statement cycle5
  • $0.45 fee for each additional transaction6

$20 or $0 monthly maintenance fee7

Apply now Learn more

U.S. BANK Platinum Business Checking Package

Extra benefits for businesses with high balances and transaction activity

  • 550 free transactions per statement cycle5
  • $0.40 fee for each additional transaction11

$30 or $0 monthly maintenance fee7

Apply now Learn more

Specialty business checking accounts
 

Nonprofit Checking Account

Ideal checking account features for nonprofit businesses

  • $0 monthly maintenance fee
  • 1,800 free transactions per calendar year5
  • $0.50 fee for each additional transaction12
Apply now Learn more

Premium Business Checking Package

Premium services to help you plan and progress

  • $33 monthly maintenance fee
  • Offset account fees through an earnings credit , which is calculated based on your balance13,14
  • Earn credit on qualifying balances
Find a branch Learn more

What you’ll need to apply

Learn more about application requirements based on your business structure.

We’ll help you get started.

Compare business checking accounts.

Get an in-depth snapshot of our business checking accounts.

Unsure which account is right for you?

Answer a few questions to find the right fit for your business. 

Easily switch to a U.S. Bank business checking account.

Use our business EZ Switch Kit to transfer to a U.S. Bank business checking account. 

Business banking 24/7

Mobile banking

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Business bankers

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Frequently asked questions

Ready to get started?

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Call 855-770-0688
Start of disclosure content

Disclosures

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).

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

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

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

  1. Footnote 1

    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 1
  2. Footnote 2

    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 2
  3. Footnote 3

    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 3
  4. Footnote 4

    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 4
  5. Footnote 5

    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 5
  6. Footnote 6

    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 6
  7. Footnote 7

    Monthly Maintenance Fee Waiver Options: Gold Business Checking: U.S. Bank Payment Solutions Merchant Banking OR $10,000 average collected balance ($25,000 for interest-bearing option) OR $20,000 combined average collected business deposit balances ($50,000 for interest-bearing option) OR $50,000 combined average collected business deposits and outstanding credit balances ($75,000 for interest-bearing option). 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 7
  8. Footnote 8

    Interest rates subject to change without notice.

  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.

  11. Footnote 11

    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 11
  12. Footnote 12

    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 12
  13. Footnote 13

    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 13
  14. Footnote 14

    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 14

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