We make it easy to send an ACH payment to your employees, contractors and vendors. Here’s some important information to know before you get started:

• You must 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?
• If your business has multiple owners, at least two owners need to be enrolled in digital banking to send an ACH payment.
• To grant approval, the co-owner must log into their business profile.

How to send a small business ACH payment in online banking

1. Select Transfers at the top of the page, then choose External transfers, wires, & ACH.
2. Under ACH payments select Send payment.
3. Complete the form for who you're paying and provide their deposit account information, then select Continue.
4. Choose the account you're sending money from, change the date (if you don't want it sent the same day), then select Continue.
   Optional: Add a memo of your choice.
5. Enter how much you're sending and select Continue.
6. Review the information.
   1. If incorrect, select Edit next to the section that needs a change.
   2. Read the ACH payment authorization disclosure and note the processing fee. If you agree, select the check box next to "I agree to the ACH payment authorization".
   3. Once everything is correct, select Submit.
7. We'll send a one-time passcode to you. Enter that code into the verification field to complete the payment.
   Note: If your business has multiple owners, we'll send an approval email at this time.

How to send a small business ACH payment in the U.S. Bank Mobile App

1. Select Pay bills & transfer, then choose External transfers, wires & ACH.
2. Under Send an ACH payment select Send payment.
3. Complete the form for who you're paying and provide their deposit account information, then select Continue.
4. Choose the account you're sending money from, change the date (if you don't want it sent the same day), then select Continue.
   Optional: Add a memo of your choice.
5. Enter how much you're sending and select Continue.
6. Review the information.
   1. If incorrect, select Edit next to the section that needs a change.
   2. Read the ACH payment authorization disclosure and note the processing fee. If you agree, select the check box next to "I agree to the ACH payment authorization".
   3. Once everything is correct, select Submit.
7. We'll send a one-time passcode to you. Enter that code into the verification field to complete the payment.
   Note: If your business has multiple owners, we'll send an approval email at this time.

More information

• Each co-owner will receive an email from us advising approval is needed to process the ACH payment. Secondary approval is only needed from one other owner. See: How to grant secondary approval for small business ACH payments.
• Approval must be completed by 8 p.m. CT for same day payments, and within three business days for future-dated payments.