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Discover how a business money market account can benefit your business.

FDIC insured  4

Earn higher interest on higher account balances  2

Accrue interest daily and get paid interest monthly  3

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Find the best money market account for your business.

Platinum Business Money Market account

Set aside excess cash from a checking account while getting paid the highest interest rate and linking your savings to your checking account.

  • $100 minimum opening balance
  • $15 maintenance fee per statement cycle waived with a $10,000 minimum daily ledger balance3
  • No deposit fee for first 25 deposit transactions per statement cycle and $0.25 fee for each additional

Preferred Business Money Market account

Get the advantages of a higher level of interest without being tied to a U.S. Bank Business Checking Package account.

  • $100 minimum opening balance
  • $10 maintenance fee per statement cycle waived with a $1,000 minimum daily ledger balance3
  • No deposit fee for first 40 deposit transactions per statement cycle and $0.50 fee for each additional

Premium Business Money Market account

Earn higher rates of interest on higher balances. Receive an Earnings Credit when linked to a Premium Business Checking account.6

  • $100 minimum opening balance
  • Maintenance fee per statement cycle varies by market
  • $0.25 fee for each deposited item per statement cycle
  • Offset checking and transaction fees with Earnings Credit, less earned interest

How much can you earn?

Compare today’s rates.

Need help deciding which money market account is right for your business? Select an account type below to view today’s Annual Percentage Yield (APY) for your location.

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Open a business money market account.

Have these documents ready:

1. Your business’ Employer Identification Number (EIN) or tax ID number (sole proprietors can use the owner’s Social Security number)

2. 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)

3. 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

Looking for more ways to manage your business’ money?

U.S. Bank business checking accounts work with payment tools and support varying levels of transactions per statement cycle, including deposits and check and debit card purchases.

Explore helpful resources.

Cash management and investing strategies when interest rates are up

How to choose the right business savings account

How to choose the right business checking account

Get answers to common savings account questions.

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Disclosures
  1. Standard variable interest rates are subject to change at the bank’s discretion and may change at any time without notice. You must maintain the minimum balance needed for each tier to earn the interest rate. Interest will be compounded daily and credited to your account monthly at the end of the statement cycle. Fees could reduce earnings on the account. Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting and other balance information. The minimum deposit required to open a Platinum Business Money Market account is $100. Other restrictions may apply.

    Until March 6, 2024, open a new U.S. Bank Platinum Business Money Market account and receive a bonus interest rate from the account opening date. The bonus interest rate will be 4.50% when your account balance tier is $25,000 to $2,999,999.99. If the account balance falls below $25,000 or goes above $2,999,999.99, the full account balance will earn the standard variable interest rate in effect at the time until the account balance is between $25,000 to $2,999,999.99 again. Bonus interest rates may change at any time without notice and change to the standard variable interest rate in effect at that time.

    **For Platinum Business Money Market accounts with $3 million or greater in balances, the bonus interest rate does not apply.

  2. You must maintain the minimum balance needed for each tier in order to earn the Annual Percentage Yield (APY) disclosed. All rates and APYs are subject to change after the account is opened. Fees could reduce earnings on the account. Interest rates currently offered on applicable deposit accounts are determined at the bank's discretion and may change daily. We use the daily balance method to calculate interest on all deposit accounts. This method applies a daily periodic rate to the principal in the account each day. Interest on your check deposit begins to accrue on the business day we receive credit for your applicable deposit accounts. Interest will be compounded daily and credited to your account monthly for all savings accounts, except Standard Savings, which is paid quarterly. If you close your account before interest is credited you will not receive the accrued interest.

  3. The daily balance is the balance at the end of each business day, equal to the beginning balance for that day plus the current business day credits, minus the current business day debits. Business days are Monday through Friday; federal holidays are not included. For additional information call 855-955-2760 or visit your local branch for a copy of Business Pricing Disclosure or visit https://www.usbank.com/dam/documents/pdf/Deposit-Account-Agreement.pdf to view Your Deposit Account Agreement (YDAA).

  4. FDIC insured to the maximum allowed by law.

  5. APY (annual percentage yield) refers to how much money you earn on a deposit over a year, taking into account compounding interest.

  6. 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. 

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Additional savings and money market disclosures – The average collected balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Unlike checking accounts, checks written on money market accounts are not returned with your statement. For additional disclosures on rates, fees, compounding and crediting, and other balance information, call 866-263-8634 or visit your local branch.

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

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.