A merchant services account is one set up with a “merchant acquiring bank” that allows you to accept credit and debit cards and other electronic payments processed and approved. Your bank then distributes the funds into your merchant account.
Looking for a simpler way to manage business payments?
When you combine your payment solutions with a U.S. Bank business checking account, you get more ways to pay and receive funds plus access to the online banking dashboard.

Get started with a U.S. Bank business checking account.
A U.S. Bank business checking account is a launchpad for accounts payable and receivable. Plus, it gives you access to one centralized view of your business cash flow with our online banking dashboard.
Pay bills safely and quickly.
Experience the power of digital payments. Manage funds easily while reducing the risk of fraud.

Move funds faster with digital payments.
From online bill payments and wire transfers to Automated Clearing House (ACH) processing, pay your bills easily and securely with a U.S. Bank business checking account.
Manage business expenses with a credit card.
Get better cash flow and spending power with any of our hard-working credit cards.
Find proven payroll services.
U.S. Bank provides digital tools and partners with industry experts to make payroll processing and direct deposit faster and easier.
Receive payments like a pro.
Find the right payment tools for your business. Whether you want to accept payments online, instore, or on the go, we partner with you to set up a payments solution that meets your business needs.

Accept payments and operate your business.
Your U.S. Bank Payment Solution does more than accepts payments, including process transactions, manage inventory and plan employee schedules. A point-of-sale (POS) system can simplify and grow your business operations.
Provide more ways to process business payments.
Whether you’re just getting started or an established pro, a U.S. Bank business checking account adjusts to how your business flows with Zelle®,1 remote deposit capture (RDC)2 and cash services for faster payment acceptance.
Offer POS lending as a payment option.
Help your customers say “yes” by offering flexible financing. U.S. Bank Avvance™ is a first-of-its-kind integrated financing solution with loans issued by U.S. Bank. Merchants are funded within 48 hours and U.S. Bank handles the rest.
U.S. Bank stepped in to be my financial planner and give us guidance and support to help our business get to the next level.
TrueMan McGee
Explore business payment insights.
Get answers to questions from U.S. Bank Financial IQ.


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Disclosures
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