Explore our checking accounts.

Open an account today with a minimum deposit of $100, then add more money as you grow. For a comprehensive list of account pricing, terms and policies, reference the Business Pricing Information brochure.
 

Silver Business Checking Package

Best for new or small businesses with basic banking needs

  • $0 monthly maintenance fee
  • 125 free transactions per statement cycle 1
  • $0.50 fee for each additional transaction 2

Gold Business Checking Package

Best for businesses with more banking activity

  • $20 or $0 monthly maintenance fee when you meet requirements 3
  • 300 free transactions per statement cycle 1
  • $0.45 fee for each additional transaction 4

Platinum Business Checking Package

Best for established businesses with higher balances

  • $30 or $0 monthly maintenance fee when you meet requirements 3
  • 500 free transactions per statement cycle 1
  • $0.40 fee for each additional transaction 5

Specialty business checking accounts

Nonprofit Checking Account

Ideal checking account features for nonprofit businesses

  • $0 monthly maintenance fee
  • 1,800 free transactions per calendar year 1
  • $0.50 fee for each additional transaction 2

Premium Business Checking Package

Premium services to help you plan and progress

  • $30 monthly maintenance fee
  • Offset account fees through an earnings credit , which is calculated based on your balance 6,7,8
  • 24/7 live support

Let us help you get started with the right business checking account.

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.

icon-sys-download Created with Sketch.

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.

How to waive the monthly maintenance fees

Business banking where you want it, when you want it.

 

Mobile banking

Online banking

Branches & ATMs

Business bankers

Fashion designer cutting fabric

Add a payment solution to boost your cash flow.

A U.S. Bank business checking account and Everyday Funding 11 give you access to your funds within hours, seven days a week, so you can increase your cash flow.

Answers to your business checking and cash flow questions

Two men sitting in a restaurant

Eight ways small business owners manage cash flow

Ambition and unique vision aren’t all you need to have a successful small business. Keeping track of the day-to-day details is also required.

Female business owner working in her shop

Does a side business really need a bank account?

Once a hobby morphs into a small business, you may find it needs its own business bank account. Here are five reasons why.

Young woman sharing financial success on mobile phone

Three awkward situations Zelle® can help avoid

Whether someone owes you money or you need to manage payroll, mobile payments can solve money matters for small businesses in minutes.

Frequently asked questions

Start of disclosure content
Disclosures

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.

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

Other conditions and restrictions may apply. Terms may change without notice.

Start of disclosure content
  1. 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. 

  2. 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.

  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 $0.45 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. Transactions are $0.40 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.

  6. 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.

  7. Earnings Credit Rates may change at any time without prior notice. Earnings Credit: Average Collected Balance Available for Earnings Credit Services / Earnings Credit Rate / Actual Days in Month X 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. 

  8. Interest rates subject to change without notice.

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

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

  11. Everyday Funding is available at no additional charge to U.S. Bank Payment Solutions merchants with a U.S. Bank Business Checking account. Funding speeds will vary between weekdays and weekends and are dependent on batch times. Funding is based on batch and will be processed every day, including weekends. Activation may take between three to five business days from date of Everyday Funding service request. Once the file is activated, there will be a change in the description of the payment when it is posted to your bank account.