U.S. Bank Business Essentials®
Get Business Essentials to experience business checking and card payment acceptance combined.
Open an eligible Business Essentials account and complete these required activities:
Learn more about the Business Essentials features built to keep your business running smoothly.
Enjoy all the benefits of Business Essentials with no monthly maintenance fee.
Many of the most common transactions made by small businesses are included in the free unlimited digital transactions.2
Some transactions, like wire transfers, may have transaction fees associated. For a comprehensive list of account pricing, terms and policies, reference the Business Essentials Pricing Information brochure.
Multiple tasks can be completed during a branch visit and be considered a single teller transaction. For example, multiple checks deposited together using a single deposit slip would count as one transaction. Teller withdrawals are also considered transactions.
Each paper check written on the account is considered a paper transaction.
Each excess transaction costs $0.50.3
Use your business checking debit card to pay for business purchases and ATM transactions. As a U.S. Bank account holder, enjoy zero fees at any of the 13,000 U.S. Bank ATMs nationwide. 6
Integrate your tools and accounting software in your banking dashboard to view account summaries and electronic statements, track your cash flow, transfer money, pay bills and initiate ACH and wire payments.
Minimize risk and protect company information with fraud prevention tools.
Never miss a beat with our industry-leading support. A real person is always available to answer your questions.
There’s no need to juggle multiple providers for your checking and card payment acceptance needs. Business Essentials offers both in a connected experience to simplify your operations.
Get access to your funds seven days a week so you can pay bills quicker, cover your expenses faster and increase your cash flow efficiency.
Give customers the card payment options they expect with card, contactless payment and digital wallet compatibility.
View your revenue and expenses in one place to get real-time cash flow insights that help ensure smart and confident choices.
Our hardware options offer convenience and flexibility, and our software makes taking and managing payments a breeze. Whichever you choose, you’ll receive payments the next day or within 24 hours of payment batch processing. Payments process every day, including weekends.
Payment acceptance pricing starts at:8
We’ll connect you with a business banking specialist to see if Business Essentials is right for you.
Answer a few questions to find the right checking solution for your business.
Use our business EZ Switch Kit to transfer to a 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 all five 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.
You’ll receive your bonus 30 days following the last calendar day of the month after you have met all qualifications. Review the qualifications below:
Your bonus will be paid out directly to your new U.S. Bank Business Essentials account.
In order to qualify for the bonus promotion, you must maintain the daily balance requirement. If you do not meet the requirement, your account will still be in good standing, but you will no longer qualify for the cash bonus.
U.S. Bank Business Essentials includes a business checking account, a point-of-sale system and payment processing.
To get Business Essentials, you’ll need:
If your business doesn’t need the payments acceptance and processing features that Business Essentials has to offer, you can still use it as your checking account and enjoy all the benefits of a U.S. Bank business checking account.
Checking and card payment acceptance are approved separately, and approval for checking doesn’t guarantee approval for accepting payments.
Yes. With end-to-end encryption, your customer information is protected by the latest authentication technology.
All major credit and debit cards:
Contactless payments:
Yes, this promotion1 also applies to our Silver Business Checking Package. You can contact a banker for more details and to apply. Call 844-295-1117 Monday through Friday: 8 a.m. to 6 p.m. CT. or visit your local branch.