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
- Select Transfers at the top of the page, then choose External transfers, wires, & ACH.
- Under ACH payments select Send payment.
- Complete the form for who you're paying and provide their deposit account information, then select Continue.
- 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. - Enter how much you're sending and select Continue.
- Review the information.
- If incorrect, select Edit next to the section that needs a change.
- 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".
- Once everything is correct, select Submit.
- 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
- Select Pay bills & transfer, then choose External transfers, wires & ACH.
- Under Send an ACH payment select Send payment.
- Complete the form for who you're paying and provide their deposit account information, then select Continue.
- 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. - Enter how much you're sending and select Continue.
- Review the information.
- If incorrect, select Edit next to the section that needs a change.
- 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".
- Once everything is correct, select Submit.
- 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.