If secondary approval is needed for an ACH payment, we’ll send all owners an email about the request. Only one other owner needs to approve or reject it. After the review, we’ll send another email to advise all owners of the status.

To approve or reject an ACH payment using online banking and the U.S. Bank Mobile App

1. Select Transfer & pay, then choose Wires & ACH.
2. Scroll to the Manage and review your payment info section and select Activity & approvals.
3. Choose the payment that needs reviewed.
4. Look over the payment details and select the desired response.
   • Continue to approve: This allows the payment to process. Select Approve once more to complete the payment.
   • Reject payment: This immediately cancels the payment.
     • If it’s cancelled by mistake, new payment needs to be submitted.
     • A memo can be added if desired.

More information

• If your business has multiple owners:
  • At least two of them need to be enrolled in digital banking to send an ACH payment.
  • A second approval is required so there's visibility of the payment or transaction for all account owners.
  • To grant approval, the co-owner must log into their business profile. 
• You must have a registered cellular device on file for at least three business days to use this service.
  See also: How do I establish a registered cellular device on my profile?
• Approval must be completed by 8 p.m. CT for same day payments, and within three business days for future-dated payments.

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.