What is a Premium Business Checking account?

This account offers earnings credit rates on qualifying balances, which can help reduce or offset fees1. An analyzed checking account that works best for businesses with complex relationships, higher balances and transaction activity.

  • Analyzed account2
  • $30 monthly maintenance fee
  • Reduce or eliminate transaction and deposit fees through a competitive earnings credit rate.
  • Group multiple analyzed and checking accounts for a snapshot of balances and services.
  • 24/7 live support

Benefits included in a Premium Business Checking account.

Mobile and online banking

View account summaries, transfer money and track your cash flow with various tools and accounting software integration. Initiate and track ACH and wire payments in one dashboard.

Mobile check deposit

Deposit checks into your U.S. Bank account by taking photos of your check using your mobile device. 

No-fee transactions at U.S. Bank ATMs  3

As a U.S. Bank account holder, enjoy zero fees at any U.S. Bank ATM. 

U.S. Bank Visa debit card

Use your business checking debit card to pay for business purchases or at 13,000 ATMs nationwide. 

Bill Pay

When you pay your bills from your account via online and mobile banking, we send the payments directly to your billers.

Check fraud protection

We help minimize the risk of fraud with our PCI compliance and check-fraud prevention tools.

Frictionless cash flow management

SinglePoint® Essentials a cash management platform to help improve your daily banking needs with a customized set-up to match your workflow. 

  • Get tighter control by managing user access to ensure high security levels.
  • Move money quickly.
  • Send reports to email or back offices when needed.
  • Intuitive tools with flexibility
  • Store frequently used information to speed up processes.
  • Simplify access with a single login for multiple, integrated services.

Open a Premium Business Checking account

Have this information handy before you apply:

  • Your business’s Employer Identification Number (EIN) or tax ID number 

  • Articles of Incorporation, Articles of Organization, or a charter or a similar legal document that indicates when your company was formed.

  • Government-issued photo ID and SSn for you and anyone else authorized to sign checks or make transactions on behalf of your organization.

Let us help you find the best checking account to suit your business needs

Compare business checking accounts.

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

Get a checking account recommendation.

Answer a few questions to find the right fit for your business.

Switch to a U.S. Bank business checking account.

Our business EZ Switch Kit includes five steps to complete your transfer to a U.S. Bank account.

Explore related resources

Automate accounts payable to optimize revenue and payments

Stay organized when taking payments

How to choose the right business checking account

Frequently asked questions

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Disclosures

For additional information call 855-955-2760 or visit your local branch for a copy of Business Pricing Information or Business Essentials 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.

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

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

U.S. Bank and SinglePoint are registered trademarks of U.S. Bank National Association.

General conditions and fees may apply. See a business banker for details.

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  1. 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. 

  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. ATM Transaction Fee. U.S. Bank will assess this fee for each ATM Transaction (withdrawal, balance inquiry, denied transaction, funds transfer or deposit) 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 Pricing Information section titled “Other Service Fees” or the Business Essentials Pricing Information section titled "Other Checking Account Service Fees" for a summary of ATM Transaction fees.