How the Business Check Card Works
Why the Business Check Card is Safe to Use
Earning Checking That Pays® Rewards
- What will I need to do before I can begin using my U.S. Bank® Visa Business Check Card?
- My U.S. Bank Business Check Card has a Visa® logo on the front. What does that mean?
- If I swipe the check card myself at a keypad in a store, which button should I press - "credit" or "debit"?
- How is a business check card different from an ATM card?
- Where can I use my business check card?
- How do I keep track of the purchases I make with my business check card?
- Can U.S. Bank notify me when activities I designate occur to my account?
- Does my card have daily purchase limits or cash/ATM withdrawal limits?
- Can I pay my bills with my U.S. Bank® Business Check Card?
- What is a non-PIN purchase?
- What phone number can I call with questions?
- What happens if I lose my business check card or someone steals it?
- Is it safe to carry and use my Visa business check card?
- What if someone else tries to use my business check card?
- Can someone use one of my receipts to access my account?
- Is it safe to use my business check card to make purchases on the internet or over the phone?
- Are purchases that I make with my business check card protected?
- Can I earn rewards for using my business check card?
- Do I need to get a new card when I enroll in a business check card reward program?
1. What will I need to do before I can begin using my U.S. Bank® Business Visa Check Card?
Once you receive your business check card and PIN (Personal Identification Number) in the mail, you can activate your check card using any one of the methods listed below (note: your PIN may arrive in the mail a day or two after your new check card arrives):
- Make a deposit or withdrawal at any ATM
- Call us toll free at 877-550-8049
- Go to usbank.com/activate
- Bring your check card to your local branch, and ask your banker to activate it for you
You will need your 16-digit business check card number and your 4-digit PIN handy when you are activating your check card. After you've activated it, simply sign your name on the back of your check card to begin using it immediately.
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2. My U.S. Bank Business Check Card has a Visa® logo on the front. What does that mean?
The logo on your business check card means that it is accepted at millions of locations around the world that accept Visa debit cards, in place of cash and checks. No matter how you use your check card, the money is always deducted directly from your checking account, so you will never be charged interest or accrue debt.
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3. If I swipe the business check card myself at a keypad in a store, which button should I press - "credit" or "debit"?
If you push the "credit" button, you will need to sign the receipt, but will not be asked to enter a PIN. Only non-PIN transactions earn Business Checking That Pays® rewards,1 and are protected by the U.S. Bank Zero Liability Policy.2
When you push the "debit" button, you must then enter your PIN and you will not earn rewards.
For both "credit" and "debit" transactions funds are directly deducted from your business checking account.
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4. How is a business check card different from an ATM card?
You can use your business check card to make purchases while earning rewards, as well as to make transactions at an ATM.
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5. Where can I use my business check card?
Your business check card can be used for purchases at millions of locations around the world that accept Visa debit cards. This includes movie theaters, restaurants, gas stations, purchases on the Internet, and at the ATM.
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6. How do I keep track of the purchases I make with my business check card?
You can track all check card purchases online in U.S. Bank Internet Banking. Not enrolled in Internet Banking yet? Enroll Now. You can also enter your transactions in your checkbook register, and every purchase will also appear on your monthly business checking account statement.
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7. Can U.S. Bank notify me when activities I designate occur to my account?
Yes. U.S. Bank offers Account Alerts which notify you, via email or text message, when designated events occur to your accounts. For example the "Balance Exceeds Defined Amount" Account Alert will help you manage your account and avoid over limit fees.
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8. Does my card have daily purchase limits or cash/ATM withdrawal limits?
Yes. To find out what your daily purchase limit is, login to U.S. Bank Internet Banking, or call your local U.S. Bank® 24-Hour Banking phone number.
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9. Can I pay my bills with my U.S. Bank® Business Check Card?
Yes. You can use your check card to pay just about any bill online or over the phone, and you will earn rewards for bill payments if you are enrolled in one of our Business Checking That Pays reward programs1. In most instances, the payment is credited to the account immediately, so you can pay at the last minute and not miss a due date. Or if you want to make sure your bills are always paid on time, you can contact your service providers to set up ongoing scheduled payments.
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10. What is a non-PIN purchase?
Any transaction that does not require you to enter your PIN is considered a non-PIN purchase. These transactions are processed by Visa, but are still deducted directly from your checking account. The following are considered non-PIN purchases:
- Present your card to the merchant and sign the receipt.
- Swipe your card at a keypad, press "credit" and sign the receipt.
- Use your card to make a purchase on the Internet, by phone or at the gas pump.
- Make automatic bill payments with your check card, such as your phone bill or Internet service provider.
All non-PIN transactions qualify for Business Checking That Pays rewards1.
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11. What phone number can I call with questions?
If you have any questions about your U.S. Bank Business Check Card, or would like to enroll in one of the Business Checking That Pays reward programs1, call the appropriate U.S. Bank 24-Hour Banking number below:
| Cincinnati metro: |
513-632-4141 |
| Denver metro: |
303-585-8585 |
| Milwaukee metro: |
414-765-4636 |
| Minneapolis/St. Paul metro: |
612 US BANKS (612-872-2657) |
| Portland metro: |
503 US BANKS (503-872-2657) |
| St. Louis metro: |
314-425-2000 |
| All other areas: |
1-800 US BANKS (1-800-872-2657) |
| TDD (all areas): |
1-800-685-5065 |
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12. What happens if I lose my business check card or someone steals it?
If your business check card is ever lost or stolen, no one will be able to use your check card at an ATM unless they know your PIN (that's why it's very important to keep your PIN to yourself and not write it down).
Your card is also backed by the U.S. Bank Zero Liability Policy2, which means that you will not be held responsible for any unauthorized non-PIN purchases made with your check card. If there is a fraudulent purchase, immediately contact U.S. Bank 24-Hour Banking and your account will be reimbursed by the end of the next business day after the verification of your claim for any lost funds.
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13. Is it safe to carry and use my Visa business check card?
In addition to the U.S. Bank Zero Liability Policy2 protection described above, you can call U.S. Bank 24-Hour Banking and have your check card "turned off" immediately if it's ever lost or stolen.
If you lose cash, the money is gone and will not be replaced. And, a lost or stolen check could still be accepted, even after you've cancelled it. Checks also have a great deal of your personal account information (name, account number etc.) preprinted on them.
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14. What if someone else tries to use my business check card?
U.S. Bank can detect unusual transactions that may indicate fraudulent use. If that happens, you'll be contacted immediately.
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15. Can someone use one of my receipts to access my account?
No. Purchase receipts should only display the last four digits of your check card number. So, even if someone finds one of your receipts, they won't have enough information to access your account.
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16. Is it safe to use my business check card to make purchases on the internet or over the phone?
Yes. When you use your business check card for one of these purchases, it is considered a non-PIN purchase, and is therefore protected by the U.S. Bank Zero Liability Policy2. Your account is protected the same way it is when you pay in person. So if someone steals your check card number, you won't have to pay for any unauthorized purchases.
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17. Are purchases that I make with my business check card protected?
Yes. Visa's Purchase Security and Extended Protection Program3 automatically protects many of the new retail purchases that you make with your eligible Visa business card.
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18. Can I earn rewards for using my check card?1
Yes. Simply enroll in the Business Checking That Pays reward program1 that's right for you. You can choose to earn cash, merchandise, or travel rewards for all non-PIN purchases.
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19. Do I need to get a new business check card when I enroll in a check card reward program?
If you enroll in the Cash Bonus or the Visa Extras program, you will not receive a new card. However, if you enroll for a WorldPerks Visa Business Check Card, you will receive a new card design with a new number.
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1 Checking That Pays offers reward programs for check cards that can be added to any U.S. Bank business checking account. Only signature-based purchases qualify for rewards. Cash advances, ATM transactions and purchases made with a PIN do not qualify. Cash rewards may accumulate through the U.S. Bank Business Check Card or the U.S. Bank Deposit Check Card. Rewards accumulated through the Deposit Check Card will roll up under the primary Business Check Card. Other employee cards are not eligible. All reward programs subject to change without prior notification. Earned rewards may be lost if customers choose to switch check card reward programs.
2 U.S. issued cards only. The U.S. Bank Zero Liability Policy does not apply to ATM transactions, or to PIN transactions not processed by Visa. See the "Your Deposit Account Agreement" brochure for details. Lost funds are credited by the end of the next business day after claim verification.
3 See "Your Guide to Benefits Package, Visa Business Card" brochure for details.
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