Streamline your operations with checking and card payment acceptance together in one connected experience. Open a Business Essentials account and complete the required activities to earn $400 for your business.1
Enjoy $0 monthly maintenance fee.
Receive your hard-earned funds within hours.2
Get live support 24/7/365.
Forecast cash flow with a business banking dashboard.
Business Essentials offers features tailored to streamline business banking. It’s a uniquely cost-effective, efficiency-optimizing checking and card processing solution that helps you keep more of the money you make.
Protect your business from check and credit card fraud and safeguard cardholder data in compliance with the Payment Card Industry Data Security Standard (PCI DSS). You’re covered with zero fraud liability 6 for any unauthorized transactions.
Review account statements, track your cash flow, transfer money, initiate ACH or wire payments and more with our award-winning mobile app7 and online banking.
Deposit checks into your account simply by taking photos of your check in the U.S. Bank Mobile App.
Use your business checking debit card to make purchases anywhere that accepts Visa. Plus, enroll in a discounts and rewards program sponsored by Visa.
As a U.S. Bank account holder, enjoy zero fees at any of the 13,000 U.S. Bank ATMs nationwide.
Use bill pay in U.S. Bank online or mobile banking to review, track and pay all your bills in one secure place with the flexibility to use your credit card or checking account.
Open an eligible Business Essentials account by January 14, 2026, and complete these required activities:
Deposit at least $5,000 in new money1 within 30 days.
Maintain at least $5,000 balance9 for 60 days after account opening.
Conduct five qualifying transactions within 60 days.
Promo code: Q4PRO25
Promo code will automatically be applied.
Our hardware options offer convenience and flexibility, and our software makes taking and managing payments a breeze. With competitive pricing and flexible hardware purchase or lease options, our plans ensure you only pay for what you need. Whatever you choose, you’ll receive payments the next day or within 24 hours of payment batch processing. Payments process every day, including weekends.
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.3
Some transactions, like wire transfers, are unlimited but 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 $0.50.4
Transaction fees starting at:11
Start accepting customer payments at the counter, in the field, at a jobsite or anywhere business takes you – all you need is a smartphone.
Your first mobile card reader is on us! Each additional card reader is $89.5
With a built-in card reader, printer and long-lasting battery, you have the power to sell all day without interruption.10
Take control of your finances directly from your business online banking dashboard. Easily schedule and make payments using your credit card or checking account, all with the confidence that your bank details remain secure and private.
U.S. Bank Payroll powered by Gusto centralizes the tools you need to run payroll, automate tax filings and simplify daily business activities.12
Qualifying transactions include: Debit card purchases, ACH credits, wire transfer credits and debits, Zelle® credits and debits, U.S. Bank mobile check deposit, U.S. Bank bill pay or payment received via U.S. Bank Payment Solutions.
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.
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 the U.S. Bank Platinum Business Checking Package, which offers extra features for businesses with high balances and transaction volume. Learn more about the benefits, terms and conditions.
Find the U.S. Bank branch nearest you.
Schedule a virtual or in-person meeting with a business banker.
Fill in details about your banking needs and a representative will call you.
Call 800-673-3555 to talk with a representative right away.
