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Explore our checking accounts.

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.
 

Silver Business Checking Package

Best for new or small businesses with basic banking needs

  • $0 monthly maintenance fee
  • 125 free transactions per statement cycle 1
  • $0.50 fee for each additional transaction 2
Apply now Learn more

Gold Business Checking Package

Best for businesses with more banking activity

  • $20 or $0 monthly maintenance fee when you meet requirements 3
  • 300 free transactions per statement cycle 1
  • $0.45 fee for each additional transaction 4
Apply now Learn more

Platinum Business Checking Package

Best for established businesses with higher balances

  • $30 or $0 monthly maintenance fee when you meet requirements 3
  • 500 free transactions per statement cycle 1
  • $0.40 fee for each additional transaction 5
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 year 1
  • $0.50 fee for each additional transaction 2
Apply now Learn more

Premium Business Checking Package

Premium services to help you plan and progress

  • $30 monthly maintenance fee
  • Offset account fees through an earnings credit , which is calculated based on your balance 6,7,8
  • 24/7 live support
Find a branch Learn more

Let us help you get started with the right business checking account.

Need a business checking account recommendation?

Simply answer a few questions to see which business checking account may meet your needs.

Get a business checking account recommendation

Compare business checking accounts.

Get an in-depth look at the finer details of all our business checking accounts, side by side.

Compare all business checking accounts
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Switch to U.S. Bank business checking.

Use our EZ Switch Kit for a seamless transition to your new U.S. Bank business checking account.

Download the EZ Switch Kit

How to waive the monthly maintenance fees

You can waive the monthly maintenance fee with one of the following:

  • U.S. Bank Payment Solutions Merchant Account
  • $10,000 average collected checking balance or $25,000 average collected checking balance on interest-bearing option
  • $20,000 in combined average collected deposit balances9 or $50,000 in combined average collected balance on interest-bearing option9
  • $50,000 combined average collected business deposits9 and outstanding business credit balances10

You can waive the monthly maintenance fee with one of the following:

  • $25,000 average collected checking balance
  • $75,000 combined average collected business deposits9 and outstanding business credit balances10

Business banking where you want it, when you want it.

 

Mobile banking

Download the app

Online banking

Explore the benefits

Branches & ATMs

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Business bankers

Make an appointment

Add a payment solution to boost your cash flow.

A U.S. Bank business checking account and Everyday Funding 11 give you access to your funds within hours, seven days a week, so you can increase your cash flow.

Pay & receive

Answers to your business checking and cash flow questions

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Eight ways small business owners manage cash flow

Ambition and unique vision aren’t all you need to have a successful small business. Keeping track of the day-to-day details is also required.

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Does a side business really need a bank account?

Once a hobby morphs into a small business, you may find it needs its own business bank account. Here are five reasons why.

Reasons to get a business checking account
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Three awkward situations Zelle® can help avoid

Whether someone owes you money or you need to manage payroll, mobile payments can solve money matters for small businesses in minutes.

Learn about using Zelle

Frequently asked questions

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.

We can help you find the business checking account that’s right for your business. Get a recommendation.

First, you’ll want to determine which features and benefits are the best fit for your business needs. Visit our business banking comparison chart to see all the flexible and convenient account options U.S. Bank has to offer, 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.

Absolutely. U.S. Bank offers business tools and resources to help you manage your daily finances and navigate the future. Whether you need solutions to help you pay and receive , manage and run or plan and progress, we’ve got you covered.

Ready to get started?

Find a branch
Make an appointment
Request a call
Call 800-673-3555
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Disclosures

For additional information call 855-955-2760 or visit your local branch for a copy of Business 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.

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  1. 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. 

  2. 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.

  3. Monthly Maintenance Fee Waiver Options: Gold Business Checking: U.S. Bank Payment Solutions Merchant Banking OR $10,000 average collected balance OR $20,000 combined average collected business deposit balances OR $50,000 combined average collected business deposits and outstanding credit balances. Platinum Business Checking: $25,000 average collected balance OR $75,000 combined average collected business deposits and outstanding business credit balances. Effective August 12, 2024, U.S. Bank Payment Solutions Merchant Banking will be included as an option for the Monthly Maintenance Fee waiver for Platinum Business Checking.

  4. 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.

  5. 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.

  6. 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.

  7. Earnings Credit Rates may change at any time without prior notice. Earnings Credit: Average Collected Balance Available for Earnings Credit Services / Earnings Credit Rate / Actual Days in Month X 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. 

  8. Interest rates subject to change without notice.

  9. Business deposit balances only. Balances will be verified 2 days prior to the last day of your statement cycle.

  10. Business credit outstanding balances only. Balances will be verified 2 days prior to the last day of your statement cycle.

  11. Everyday Funding is available at no additional charge to U.S. Bank Payment Solutions merchants with a U.S. Bank Business Checking account. Funding speeds will vary between weekdays and weekends and are dependent on batch times. Funding is based on batch and will be processed every day, including weekends. Activation may take between three to five business days from date of Everyday Funding service request. Once the file is activated, there will be a change in the description of the payment when it is posted to your bank account.