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

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.

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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:

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Top frequently asked questions

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Disclosures
  1. Promo code Q2BUS22 MUST be used when opening the business checking account. Limit of one Business Checking bonus per business. A $100 minimum deposit is required to open a U.S. Bank Silver, Gold, Gold with Interest or Platinum Business Checking account. Earn your $300 Business Checking bonus by opening a new U.S. Bank Silver Business Checking, Gold Business Checking, Gold Business Checking with Interest or Platinum Business Checking account between 6/3/2022 and 7/29/2022. You must make new deposit(s) of at least $3,000 in new money deposits (Direct, Mobile Check Deposit, ACH or Wires) within 30 days of account opening and then maintain a balance of at least $3,000 through 60 days after account opening. The new money deposit cannot be funds held by U.S. Bank or its affiliates. An individual signer on the new checking account must be enrolled in U.S. Bank online banking or the U.S. Bank Mobile App within 60 days of account opening. Additionally, you must complete 5 qualifying transactions (Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit or Bill Pay) within 60 days of account opening. The Business Checking bonus will be deposited into your new U.S. Bank business checking account within 45 days of deposit verification, as long as the account is open and has a positive balance. Offer may not be combined with any other business checking account bonus offers. Offer is not valid if you or any signer on the new business checking account have an existing U.S. Bank business checking account or had a U.S. Bank business checking account in the last 24 months. All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information disclosure. This document can be obtained by contacting a U.S. Bank branch or 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.

  2. A transaction includes deposits and other credits, checks paid and other debits, ACH and deposited items, and signature and PIN-based purchases made with a U.S. Bank Business Debit Card. The U.S. Bank Business Debit Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. 

  3. Monthly Maintenance Fee Waiver Options: Gold Business Checking: U.S. Bank Payment Solutions Merchant Banking OR $10,000 average collected balance OR $20,000 combined average collected business deposit balances OR $50,000 combined average collected business deposits and outstanding credit balances. Platinum Business Checking: $25,000 average collected balance OR $75,000 combined average collected business deposits and outstanding business credit balances.

  4. Transactions are $0.50 each once free transactions are surpassed. A Transaction includes deposits and other credits, checks paid and other debits. ACH and deposited items, and signature and PIN-based purchases made with a U.S. Bank Business Debit Card. The U.S. Bank Business Debit Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

  5. 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.

  6. Business deposit balances only. Balances will be verified 2 days prior to the last day of your statement cycle.

  7. Business credit outstanding balances only. Balances will be verified 2 days prior to the last day of your statement cycle.

  8. Non-U.S. Bank ATM owners may apply a surcharge fee unless they participate in the MoneyPass® Network. To find MoneyPass® ATM locations, select Show MoneyPass® ATM Network locations in the ATM locator.

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

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

Credit products offered by U.S. Bank National Association and subject to normal credit approval.

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.

U.S. Bank, 800 Nicollet Mall, Minneapolis, MN 55402