U.S. Bank Payroll

Manage payroll where you bank.

Take control of payroll and banking with one seamless, trusted solution, U.S. Bank Payroll.1 Get your first two months of fees waived when you run your first payroll.2

 

  • No hidden fees

  • $40 per month includes one employee

  • $5 per month for each additional employee

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Get your first two months of fees waived.2

Apply for U.S. Bank Payroll and complete these qualifying activities to enjoy two months of waived fees:                  

  •  You’ll need an active U.S. Bank business checking account with business online banking credentials.
  •

    Log in to your online banking dashboard and add employees to your payroll.

  •

    Process payroll and pay at least one employee.

  •

    The fee waiver will be applied to your first two months’ billing account statements.

Apply now
The fee waiver will be applied to your first two months’ billing account statements.

Simplify how you manage payroll.

U.S. Bank Payroll centralizes the tools you need to run payroll, manage tax forms and simplify daily business activities.

Integrated payroll and banking

Manage payroll and banking with a full view of your business finances in one platform backed by the security and reliability of U.S. Bank.

Custom policies to fit your workforce 

Easily customize employee earnings and streamline time off with personalized PTO policies and automated accruals, reducing the need for manual updates.

Switch without a hitch

Thinking of switching payroll providers? Enjoy competitive pricing and let a dedicated representative guide you every step of the way for a smooth transition to U.S. Bank Payroll.

Accuracy in every paycheck

Automatically calculate wages, taxes and deductions for each pay period while reducing the risk of penalties with on-time filings directly tied to your payroll.34

Payroll built for small business


  • U.S. Bank Payroll, powered by Gusto, simplifies payroll with flexible options, real-time bank verification and customizable earnings. Enjoy the ease of U.S. Bank’s online banking platform combined with Gusto’s payroll expertise – so you can focus on growing your business.
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View transcript

Here’s what you’ll need to get started with U.S. Bank Payroll.

Bank with us.

You need to have an active U.S. Bank business checking account to apply for U.S. Bank Payroll.

Explore business checking accounts

Ensure your business qualifies for U.S. Bank Payroll.

  • All employees are W-2 employees, no independent contractors.
  • You wouldn't need to exceed $150,000 per payroll run on a regular basis.

Apply to start using U.S. Bank Payroll or transfer from your existing provider.

If you would like to transfer from your existing payroll provider, we’ve got a dedicated support team to walk you through the process and a step-by-step guide to make the transition easier.

Start processing payroll.

Process your first payroll to receive your first two (2) months of fees on us.2

Make compliance easy.

Process every paycheck with confidence. We’ve partnered with Gusto, a leading payroll provider with deep expertise in wage and tax deductions across all 50 states. This partnership keeps our platform up to date with changing regulations, so you can trust that your business remains compliant – no matter how the rules evolve.3

Improve efficiency with less admin and more business.

Our dedicated support team and fast setup streamline onboarding by pre-filling company details, so you spend less time on administrative tasks and more time pursuing what’s possible for your business.

Common questions about U.S. Bank Payroll

The ideal time to switch payroll providers is at the beginning of a calendar year or quarter. This timing simplifies tax reporting and reduces the complexity of transferring year-to-date payroll data. For more information about switching payroll services, refer to the Payroll Transfer Document.

U.S. Bank Payroll is built to support small businesses with features like:

  • Unlimited payrolls: Run payroll as many times as you want.
  • Automated federal and state tax filing: Automatically file and pay federal, state and local payroll taxes in all 50 states.
  • Paid Time Off and Sick Leave: Make fewer manual updates with automated accrual and calculation of PTO and Sick Leave.
  • 2- or 4-day direct deposit: Run payroll with 2- and 4-day processing speeds.  
  • Flexible payment options: Pay employees by direct deposit or check. 
  • Multiple pay rates and schedules: Easily pay employees with different pay rates and schedules. 
  • Dedicated support: Get step-by-step guidance from our experts to transition to U.S. Bank Payroll with ease. 

Before deciding if this service is for you, let's go over the requirements:

  • All employees are W-2 employees, no independent contractors.
  • You're the authorized signatory for your business.
  • You agree that only one person will have access to the payroll service.
  • You wouldn't need to exceed $150,000 per payroll run on a regular basis. 

Sound like a fit? Apply now

If U.S. Bank Payroll isn’t right for your business, we have other options to meet your payroll needs.

  • Company information
    • Company name (and trade name or DBA)
    • Mailing and filing address 
    • Phone numbers 
    • Client email address (optional)
  • All employee information (W-2)
    • Bank account information (routing and account numbers for manual)
    • Employee withholding elections
  • Federal tax information
    • All state and federal registration/account ID information
  • Company bank account information
    • Pay schedules
    • Signatory information (a person who is legally able to sign forms for your company)
    • Industry  

Transferring payroll can get a little complicated, but we're here to help. A few things to know when switching providers:

  • You'll need to download documents from your previous provider. Check the Payroll Transfer Document to understand which documents are needed.
  • Once you have your documents in order, go ahead and start or continue the enrollment and onboarding process. You'll need to finish onboarding before we can complete the transfer.
  • For the last step, we’ll provide a phone number for you to call so we can complete the transfer together.  

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Let’s connect.

Explore locations

Not your branch?

Make an appointment

Schedule a virtual or in-person meeting with a business banker.

Request a call

Fill in details about your banking needs and a representative will call you.

Call us

Call 877-685-5760 to talk with a representative right away.

Looking for something else?

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Disclosures

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

Start of disclosure content

  1. U.S. Bank Payroll is a platform that enables small business customers to access third-party payroll processing services provided by Gusto, Inc. through the existing U.S. Bank online banking experience. U.S. Bank is not affiliated with Gusto, Inc.  For more information, please refer to the Embedded Payroll Service page.

  2. Get two months of payroll service fees waived when you run your first payroll with U.S. Bank Payroll.

    We will cover the U.S. Bank Payroll Service Maintenance fee, the U.S. Bank Payroll Service Employee Charge fees, and U.S. Bank Payroll Service Sales Tax, for the first two months after your initial payroll is processed. Fee waivers will appear on your designated billing account statement at the end of each billing cycle. After the waiver period, standard pricing applies per the U.S. Bank Payroll Pricing Schedule.

    This offer is only available to new U.S. Bank Payroll customers who have not processed payroll with us before. You will need an active U.S. Bank business checking account to qualify. U.S. Bank may change or end this offer at any time without notice. Additional eligibility requirements, restrictions, and other fees may apply. For details, talk to your business banker.

  3. Payroll taxes are calculated and filed automatically based on information business owner provides. All calculations and fillings will be compliant with applicable payroll tax rules and regulations, based on the federal and state designation information the business owner provides.

  4. U.S. Bank and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.