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


Waive the $20 monthly maintenance fee with any one of the following:

  • U.S. Bank Payment Solutions Merchant Account
  • $10,000 average collected checking balance or $25,000 for interest-bearing option8
  • $20,000 in combined average collected deposit balances9 or $50,000 for interest-bearing option8
  • $50,000 combined average collected business deposits9 and outstanding business credit balances10 or $75,000 for interest-bearing option8
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 transactionsup11

$30 or $0 monthly maintenance fee7


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 deposits9 and outstanding business credit balances10
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
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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.

Compare all business checking accounts

Unsure which account is right for you?

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

Get a recommendation

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. 

Download the EZ Switch Kit PDF

Business banking 24/7

Mobile banking

Download the app

Online banking

Explore the benefits

Branches & ATMs

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Business bankers

Make an appointment

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.
  • Learn more about application requirements based on your business structure

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.

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 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.

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  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.

  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.

  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.

  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.

  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. 

  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.

  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.

  8. Interest rates subject to change without notice.

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

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

  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.

  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.

  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.

  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.