Enhanced Payments

Move money from anywhere for less.

Enhanced Payments expands the digital payments capabilities from your online banking dashboard. A $25 monthly subscription gives you lower per-transaction fees on domestic ACH, domestic and international wires, and instant payments.

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Get your first two months of fees waived.1

  •

    You’ll need an active U.S. Bank business checking account with business online banking credentials.

  •

    Log in to your online banking dashboard and enroll in Enhanced Payments from the wires and ACH dashboard.

  •

    Immediately access lower per-transaction fees upon enrolling.

Already bank with us? Log in to enroll.

Save on payments. Simplify how you manage them.

Cost savings

Reduce per‑transaction fees, while also lowering operational costs by expediting recurring payments with payee templates.

Integrated efficiency

Easily choose the payment method and speed that fits your needs from your business online banking dashboard.

Access from anywhere

Manage your payments anytime, anywhere with mobile access that keeps your business flexible and responsive.

Comprehensive support

Get support from a dedicated banking team ready to assist when you need it.

Which business payables solution is right for your business?

Compare Enhanced Payments fees with standard business online banking to see your cost savings.

Account details

Enhanced Payments

Standard business online banking

Subscription fee

$25 per month + transaction fees

$0 per month + transaction fees

Standard ACH

$0.50 per payment

$1 per payment

Same-day standard ACH

$1.70 per payment

$3 per payment

Batch ACH

Available

Available

Domestic wire transfers

$16 per wire

$30 per wire

International wire transfers – USD

$35 per wire

$45 per wire

Instant payments

$0.75 per payment

$3 per payment

Learn more

Account details

Subscription fee

Enhanced Payments

$25 per month + transaction fees

Standard business online banking

$0 per month + transaction fees

Account details

Standard ACH

Enhanced Payments

$0.50 per payment

Standard business online banking

$1 per payment

Account details

Same-day standard ACH

Enhanced Payments

$1.70 per payment

Standard business online banking

$3 per payment

Account details

Batch ACH

Enhanced Payments

Available

Standard business online banking

Available

Account details

Domestic wire transfers

Enhanced Payments

$16 per wire

Standard business online banking

$30 per wire

Account details

International wire transfers – USD

Enhanced Payments

$35 per wire

Standard business online banking

$45 per wire

Account details

Instant payments

Enhanced Payments

$0.75 per payment

Standard business online banking

$3 per payment

Account details

Learn more

Enhanced Payments

Standard business online banking

Here’s what you need to get started with Enhanced Payments.

Bank with us.

To enroll in Enhanced Payments you need a business checking account.

View business checking accounts

Enroll in online banking.

Once your business account is opened, enroll in online or mobile banking for your business.

Enroll in Enhanced Payments.

Immediately access lower per-transaction fees upon enrolling.

Log in to enroll in Enhanced Payments


Frequently asked questions

Enhanced Payments is built for businesses that make multiple digital transactions each month and want to save money on their per transaction costs. Enhanced Payments offers multiple payment types on a single, secure dashboard with lower per-transaction costs than business online banking and real-time access through mobile or online banking.

Yes, Enhanced Payments includes Batch ACH payment capabilities.

ACH is an electronic network for financial transactions in the United States. It processes large volumes of credit and debit transactions in batches, including direct deposit, payroll and vendor payments.

A wire transfer is a method of transmitting funds electronically from one financial institution to another. In most cases, the funds are received the same day they are sent. Once a wire transfer is sent, the funds leave the bank immediately and cannot be returned.

Instant payments allow you to send money immediately, 24/7, every day of the year. They can be used for a variety of needs, including end-of-shift payments, emergency vendor payments, or immediate payment of travel and relocation expenses.

You pay a flat monthly fee of $25 plus discounted per-transaction fees for each ACH, instant payment and wire you send.

Your business needs the following to enroll:

  • U.S. Bank business checking account
  • U.S. Bank online banking access using business credentials
  • A cellular device is required to send payments

Yes! For more info or help, call 866-872-6558 Monday through Friday, from 8 a.m. to 6 p.m. CT. We accept relay calls.

No, Enhanced Payments provides access to a cost-effective solution for ACH, wire transfers and instant payments from your existing online banking dashboard. You’ll continue to use online banking to enjoy the features and services you currently use to support your business.

Let’s connect.

Explore locations

Find the U.S. Bank branch nearest you.

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 866-872-6558 to talk with a representative right away.

Looking for something else?

Go to support hub
Start of disclosure content

Disclosures

  1. Enroll in Enhanced Payments and get your subscription fee waived for up to two billing cycles. Enrolling in Enhanced Payments will take effect immediately with charges applied to your account statement on the fifth business day of each month. At the end of the trial period, your subscription will automatically continue as a recurring plan starting at $25 a month. To avoid continued charges, you must cancel your subscription before the end of the second billing cycle. For a comprehensive list of account pricing, terms and policies refer to the Digital Services Agreement, and Business Pricing Information brochure or Business Essentials Pricing Information brochure.

    • To qualify, you must have an existing U.S. Bank business checking account and be enrolled in online banking with business credentials. A limit of one on us trial period per business entity applies, totaling no more than two months of fee waivers.
    • The monthly billing cycle begins on the first day of each month and concludes on the last day of the month.
    • Contact your banker at any time to cancel. Cancellation will be in effect at the end of the billing cycle with no refunds issued.
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General conditions and fees may apply. See a business banker for details.

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

Eligibility requirements and restrictions apply. Please refer to the Digital Services Agreement for more information.

For additional information call 855-955-2760 or visit your local branch for a copy of Business Pricing Information disclosure or refer to Your Deposit Account Agreement (YDAA).