U.S. BANK BUSINESS ESSENTIALS® BUSINESS CHECKING ACCOUNT

Promo code Q4DIG26 MUST be used when opening a U.S. Bank Business Essentials® or Platinum Business Checking account. Limit of one bonus per business. A $25 minimum deposit is required to open one of the referenced accounts.

To earn a business checking bonus, open a qualifying U.S. Bank business checking account between 9/28/2026 and 1/13/2027. Make the required deposit(s) in new money within 30 days of account opening, maintain the same required daily balance through the 60^th day, and complete 6 qualifying transactions based on posted date within 60 days of account opening.

• Business Essentials: $400 bonus with $5,000 deposits and daily balance
• Platinum Business Checking: $1,200 bonus with $25,000 deposits and daily balance

Qualifying transactions include debit card purchases, ACH and wire credits or debits, Zelle credits or debits, U.S. Bank mobile check deposit, electronic or paper check debits, U.S. Bank bill pay for business, and payment received via U.S. Bank Payment Solutions. Other transactions, such as person-to-person payments, credit card transfers (including bill payments to U.S. Bank credit cards), or transfers between U.S. Bank accounts, are not eligible.

New money is defined as funds from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees may reduce the required daily balance during the qualifying period.

Bonus will be deposited into your new eligible U.S. Bank business checking account within 30 days after the month-end in which all offer requirements are met, provided the account remains open, has a positive balance, and remains the same checking product type.

Offer may not be combined with other business checking bonus offers. Existing businesses with a business checking account or had one closed within the past 12 months, do not qualify.

All regular account-opening procedures apply. For full checking account pricing, terms and policies, refer to your Business Pricing Information, Business Essentials Pricing Information, and YDAA disclosure. These documents are available at any U.S. Bank branch or by calling 800.872.2657.

Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.

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.

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.

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.

One free mobile card reader is included and is only available for customers applying for a new U.S. Bank Business Essentials® account through the online application. If the hardware selected is not available, we'll send you a comparable device with similar features. Card reader cannot be redeemed for any other hardware purchase or account credit. Additional card readers available for a fee.

Zero fraud liability – U.S. Bank provides zero fraud liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply. See the Electronic Fund Transfers section in Your Deposit Account Agreement (PDF)  for details.

Digital financial services benchmarking firm Keynova Group ranked U.S. Bank #1 for mobile banking apps in its Q3 2024 Mobile Banker Scorecard.

ATM Transaction Fee. U.S. Bank will assess this fee for each ATM Transaction conducted at the Non-U.S. Bank ATM. Non-U.S. Bank ATMs are defined as any ATM that does not display the U.S. Bank logo in any manner, physically on the ATM or digitally on the screen. 

ATM Surcharge. Non-U.S. Bank ATM owners may apply a surcharge fee on ATM transactions at their ATMs. U.S. Bank participates in MoneyPass®, an ATM surcharge free network. To find MoneyPass ATM locations, select “Show MoneyPass® ATM Network locations” in the ATM locator https:// locations. usbank.com/search.html. If you use an ATM that uses the MoneyPass® Network and are charged a surcharge fee, please contact us at 800-USBANKS (872-2657) for a refund of the surcharge fee. 

Please refer to the Business Essentials Pricing Information section titled “Other Checking Account Service Fees” for a summary of ATM Transaction fees.

U.S. Bank Business Essentials™ Visa® and U.S. Bank Business Essentials™ Plus Visa Signature® offer the Business Essentials Earning Bonus when paired with a Qualifying Business Checking Account. Eligibility for, and the applicable level of, the Business Essentials Earning Bonus is based on business-level ownership of a Qualifying Business Checking Account and meeting applicable Qualifying Balance requirements as determined under the credit card rewards program terms. Business-level ownership means the qualifying business checking account and the U.S. Bank Business Essentials™ Visa® or U.S. Bank Business Essentials™ Plus Visa Signature® are owned by the same business entity and operate under the same Tax Identification Number (TIN). The Business Essentials Earning Bonus applies only to U.S. Bank Business Essentials™ Visa® and U.S. Bank Business Essentials™ Plus Visa Signature® rewards program and does not provide additional discounts or fee waivers on deposit accounts.

Qualifying Business Checking Accounts include the following new and/or existing account types: U.S. Bank Business Essentials®, U.S. Bank Gold Business Checking, Gold Business Checking with Interest and U.S. Bank Platinum Business Checking.

See Business Essentials Visa Card and Business Essentials Plus Visa Signature Card for additional information specific to the credit card details.

Qualifying balances are based on balances held in one or more Qualifying Business Checking Accounts owned by the same business and may be combined across such accounts for purposes of determining eligibility.

Balance calculations used to determine the Business Essentials Earning Bonus apply only to the credit card rewards program and do not affect interest rates, fees, or benefits on your deposit accounts or other U.S. Bank products.

Balances held in U.S. Bank investment, trust and/or consumer accounts are not eligible for the Business Essentials Earning Bonus under this program.

The daily balance is the balance at the end of each business day, equal to the beginning balance for that day plus the current business day credits, minus the current business day debits. Business days are Monday through Friday; federal holidays are not included. 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).

Handheld terminal may be new or used and is dependent on inventory available at time of order. If the hardware selected is not available, we'll send you a comparable device with similar features. Rentals may result in paying more for the equipment over time as compared to purchasing. All used equipment is inspected and refurbished upon return before being re-deployed. Rentals are month to month and may be terminated at any time by Company. Applicable sales tax will apply. Additional provisions around the use of rental equipment can be found in the Business Essentials Payment Processing Terms of Service and Operating Agreement.

U.S. Bank Payment Solutions are powered by Elavon, a wholly owned subsidiary of U. S. Bank NA. Elavon assesses the following transaction fees, depending on the acceptance method for the credit card payment:

Swipe, tap, insert: 2.60% of transaction amount + 10 ¢ per item 
Manual transaction: 3.50% of transaction amount + 15 ¢ per item
Online payments: 2.90% of transaction amount + 30 ¢ per item

Disclosed transaction fees apply for online applications. Transaction fees may vary and other fees may apply for accounts not opened online.

Tap to Pay on iPhone requires a supported payment app and the latest version of iOS. Update to the latest version by going to Settings > General > Software Update. Tap Download and Install. Some contactless cards may not be accepted by your payment app. Transaction amount limit may apply based on card issuer or network rules. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC. Tap to Pay on iPhone is not available in all markets. For Tap to Pay on iPhone countries and regions, see https://developer.apple.com/tap-to-pay/regions/.

Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.