PREMIUM BUSINESS CHECKING ACCOUNT

Designed for businesses with higher balances and complex needs.

Elevate your business banking experience while reducing fees with an earnings credit1 on qualifying balances.

  • Minimize risk with fraud prevention tools

  • Transfer money and pay multiple billers at once

  • Forecast cash flow with a business banking dashboard

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What is a Premium Business Checking account?

A U.S. Bank Premium Business Checking account is an analyzed account that offers earnings credit on qualifying balances, which can help reduce or offset fees.2 The account is ideal for businesses with high transaction volume and large account balances.

  • $34 monthly maintenance fee

  • Reduce or eliminate transaction and deposit fees through a competitive earnings credit rate.1

  • Group multiple earning credit and checking accounts for a snapshot of balances and earnings.

  • Take advantage of 24/7 live support.

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  • $34 monthly maintenance fee

  • Reduce or eliminate transaction and deposit fees through a competitive earnings credit rate.1

  • Group multiple earning credit and checking accounts for a snapshot of balances and earnings.

  • Take advantage of 24/7 live support.

Make an appointment

Not sure if this is the right account?

 Compare all checking accounts

Benefits included in every U.S. Bank business checking account

Fraud protection

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 3 for any unauthorized transactions.

Mobile and online banking

Review account statements, track your cash flow, transfer money, initiate ACH or wire payments and more with our award-winning mobile app4 and online banking.

Mobile check deposit

Deposit checks into your account simply by taking photos of your check in the U.S. Bank Mobile App.

U.S. Bank Business Visa® Debit Card

Use your business checking debit card to make purchases anywhere that accepts Visa. Plus, enroll in a discounts and rewards program sponsored by Visa.

Free transactions at U.S. Bank ATMs 5

As a U.S. Bank account holder, enjoy zero fees at any of the 13,000 U.S. Bank ATMs nationwide.

Bill pay for business

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.

Getting started with a U.S. Bank checking account

Collect necessary documents for the application.

  • Your business’s Employer Identification Number (EIN) or tax ID number (sole proprietors can use the owner’s Social Security number)
  • Articles of Incorporation, Articles of Organization, or a charter or a similar legal document that indicates when your company was formed (not required for sole proprietors)
  • Government-issued photo ID and Social Security number for you and anyone else authorized to sign checks or make transactions on behalf of your organization
See all application requirements

Open your checking account.

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Once you’ve opened your account, move funds seamlessly.

Download the EZ Switch Kit (PDF)

Simplify payments with bill pay for business.

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.

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Frequently asked questions

Having a business checking account offers several benefits. Managing your business finances effectively means keeping your personal and business finances separate. You can accurately track your business expenses, making it easier to monitor your financial health.

Also, a business checking account with a positive transaction history can contribute to building a strong credit profile for your business and help you when it comes time to apply for a business loan or line of credit.

Plus, for tax preparation purposes, a separate business checking account could simplify record keeping.

With a Premium account, transaction fees can be offset by an earnings credit1 based on your account balance.

Contact a banker  to assist with any additional questions.

Explore our business checking accounts side by side to find out the best option for you.

Compare checking accounts.

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Let’s connect.

Explore locations

Find the U.S. Bank branch nearest you.

Make an appointment

Schedule a virtual or in-person meeting with a business banker.

Request a call

Fill in details about your banking needs and a representative will call you.

Call us

Call 800-673-3555 to talk with a representative right away.

Looking for something else?

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Disclosures

  1. Earnings Credit Rates may change at any time without prior notice. Earnings Credit: Average Collected Balance Available for Earnings Credit Services (x) Earnings Credit Rate (x) Actual Days in Month (÷) Actual Days in Year. Refer to your Customer Analysis Statement for your current Earnings Credit Rate. For additional information call 855-955-2760 or visit your local branch to talk with a Business Banker.

  2. Analyzed accounts are eligible for earned credits to offset transaction, maintenance and other fees associated with account activity. Visit a U.S. Bank branch for more details.

  3. 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.

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

  5. 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 “visit the MoneyPass locator” at the bottom of our ATM locator search results to be taken to the MoneyPass website. 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 Pricing Information section titled “Other Service Fees” for a summary of ATM Transaction fees.

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See the U.S. Bank Your Deposit Account Agreement booklet for additional disclosures applicable to deposit accounts. Other conditions and restrictions may apply. Terms may change without notice. For the most current information about packages and benefits available, contact your banker.

For additional information call 855-955-2760 or visit your local branch for a copy of Business Pricing Information disclosure or refer to Your Deposit Account Agreement (YDAA).

Eligibility requirements and restrictions apply. Please refer to the Digital Services Agreement for more information.

The U.S. Bank Visa® Debit Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

U.S. Bank and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.

U.S. Bank Payment Solutions are powered by Elavon, a wholly owned subsidiary of U.S. Bank NA, and may have different privacy and security policies than U.S. Bank. For additional details, refer to the information found on the U.S. Bank Payment Solutions Privacy & Terms of Service page.

Credit products offered by U.S. Bank National Association and are subject to normal credit approval and program guidelines. Some restrictions and fees may apply.

Deposit products are offered by U.S. Bank National Association. Member FDIC.