Enrolling will allow you to send ACH payments to your employees, contractors and vendors.
To enroll you'll need to have a registered cellular device on file for at least 3 business days, and your account must be open for at minimum of 90 days. See: How do I establish a registered cellular device on my profile?
How to enroll for Small business ACH payments in Online banking
How to enroll for Small business ACH payments in the U.S. Bank Mobile App