Accounts for most businesses

Transactions include teller deposits, ATM deposits, and check and debit card purchases.

Specialty accounts

How to waive the monthly maintenance fees

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You can waive the monthly maintenance fee with one of the following:

  • U.S. Bank Payment Solutions Merchant Account
  • $10,000 average collected checking balance or $25,000 average collected checking balance on interest-bearing option
  • $20,000 in combined average collected deposit balances4 or $50,000 in combined average collected balance on interest-bearing option4
  • $50,000 combined average collected business deposits and outstanding business credit balances5
  • $75,000 in combined business deposit and outstanding business credit

You can waive the monthly maintenance fee with one of the following:

  • $25,000 average collected checking balance
  • $75,000 combined average collected business deposits4 and outstanding business credit balances5

Analyzed account;3 maintenance and transaction fees can be offset by an earnings credit based on account balance.

Need a business checking account recommendation?

Simply answer a few questions to see which business checking account may meet your needs.

Compare business checking accounts.

Get an in-depth look at the finer details of all our business checking accounts, side by side.

Switch to U.S. Bank business checking.

Use our EZ Switch Kit for a seamless transition to your new U.S. Bank business checking account.

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All our business checking accounts include:

More questions about business checking or handling cash flow? We have answers.

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Top frequently asked questions

To open a business checking account, you’ll need:

  • Your business’s Employer Identification Number (EIN) or tax ID number, or your Social Security number if you’re a sole proprietorship.
  • Articles of Incorporation, Articles of Organization or a charter or 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 company.
  • Name, email address and phone number for any additional owners with 25% or more ownership in the company. 

First, you’ll want to determine which features and benefits are the best fit for your business needs. Visit our business banking comparison chart to see all the flexible and convenient account options U.S. Bank has to offer, or take a short quiz to get a personalized recommendation.

  1. Turn over the check to the endorsement section on the back and write the name of the business, your name and title.
  2. Then add any restrictions, like "for deposit only," followed by your business account number.
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