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 Now is a great time to switch payroll providers. Process payroll by January 31, 2026, to get your first three months of fees waived.2

 

  • No hidden fees

  • $40 per month includes one employee

  • $5 per month for each additional employee

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LIMITED-TIME

Get your first three months of fees waived.2

Start 2026 with a clean slate! Apply for U.S. Bank Payroll and complete these qualifying activities to enjoy three 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 by January 31, 2026.

  •

    The fee waiver will be applied to your first three 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.

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

Quick and reliable payments

Ensure your employees are paid on time, every time with 2- and 4-day processing speeds and flexible payment options like direct deposit or check.

Straightforward pricing

With clear pricing and no hidden fees, you only pay for essential features that matter most to your business, without unnecessary extras.

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.
  •  

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 and work in the same state.

  • You wouldn't need to exceed a $150,000 limit per payroll.

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 by January 31, 2026, to receive your first three (3) 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. All employees must work in the same state.
  • Automated federal and state tax filing: Automatically file and pay federal, state and local payroll taxes in all 50 states. 
  • 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:

  • Your business has five or fewer employees.
  • All employees work in the same state.
  • 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 an $150,000 limit per payroll. 

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) 
  • 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.

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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.

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Disclosures

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

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  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. Enroll in and process your first payroll with U.S. Bank Payroll between 11/18/2025 and 1/31/2026 and receive three (3) months of waived fees. Waived fees include the U.S. Bank Payroll Service Maintenance fee and up to four (4) U.S Bank Payroll Service Employee Charge fees plus U.S. Bank Payroll Service Sales Tax, where applicable. Fee waivers will be applied consecutively to the first three (3) months beginning the month in which the first payroll is processed and will be reflected in your designated billing account statement at the end of each billing cycle. After these fee waivers end, your designated billing account will be charged in accordance with the U.S. Bank Payroll Pricing Schedule.

    This offer is only valid for customers that have enrolled in U.S. Bank Payroll and have not previously processed payroll with the service. U.S. Bank Payroll requires an active U.S. Bank business checking account. U.S. Bank reserves the right to withdraw this offer at any time without notice. Eligibility requirements, restrictions, and other fees may apply. See a business banker for details. 

  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.