Earn a U.S. Bank Business Essentials® bonus

Earn a $400 bonus.1 

Introducing U.S. Bank Business Essentials – offering you checking and card payment acceptance in one connected experience to help run your business better with quick access to funds.

Offer valid through January 14, 2026.

Apply now

Business Essentials is designed to do more for your business.

Business Essentials offers features tailored to streamline business banking. It’s a uniquely cost-effective, efficiency-optimizing and card processing solution that helps you keep more of the money you make.

Checking built for your business

  • $0 monthly maintenance fee
  • Unlimited digital transactions3 like debit card purchases, electronic deposits, electronic transfers and more
  • 25 free teller and paper transactions per statement cycle4
  • $0.50 for each additional teller or paper transaction
Learn more

Payment acceptance made easy

  • Free same-day access to funds5
  • Free mobile card reader6
  • Free mobile app
  • $0 software fees
  • No long-term contract
Learn more

Business checking account features that do more for you.

Enhanced security

Keep your business safe with fraud-prevention tools.

Bill pay for business

Automate payables and streamline cash flow directly from your business checking account.

Connect programs

Integrate your third-party accounting, budget management and tax programs for a full view of your finances.

U.S. Bank Payroll

U.S. Bank Payroll powered by Gusto centralizes the tools you need to run payroll, manage tax forms and simplify daily business activities.10

Get your $400 bonus.1

Open an eligible Business Essentials account before January 14, 2026, and complete these required activities:

  •

    Deposit at least $5,000 in new money1 within 30 days of account opening.

  •

    Maintain at least $5,000 balance2 for 60 days after account opening.

  •

    Complete five qualifying transactions within 60 days.

Promo code Q4DIG25 will be automatically applied.

Apply now

Accept payments and get paid fast.5

Eliminate revenue delays.

Get access to your funds seven days a week so you can pay bills quicker, cover your expenses faster and increase your cash flow efficiency.

Improve customer experience.

Give customers the card payment options they expect with card, contactless payment and digital wallet compatibility.

Build business insights.

View your revenue and expenses in one place to get real-time cash flow insights that help ensure smart and confident choices.

Take card and contactless payments your way.

Our hardware options offer convenience and flexibility, and our software makes taking and managing payments a breeze. With competitive pricing and flexible hardware purchase or lease options, our plans ensure you only pay for what you need. Whatever you choose, you’ll receive payments the next day or within 24 hours of payment batch processing. Payments process every day, including weekends.

Mobile app

  • Accept payments anywhere with your phone
  • $0 monthly software fee
  • Easy setup
  • Create and send digital invoices and receipts

Mobile card reader

  • Best for payments on the go
  • $0 monthly software fee
  • Free first mobile card reader
  • Send digital receipts

Handheld terminal

  • Best for in-store transactions
  • $0 monthly software fee
  • $15 monthly hardware rental fee8
  • Send digital receipts or print paper receipts

Fee transparency from the start

Enjoy all the benefits of Business Essentials with no monthly maintenance fee.

Many of the most common transactions made by small businesses are included in the free unlimited digital transactions.3

  • Debit card purchases
  • ATM transactions
  • Electronic deposits (mobile check deposits) and withdrawals
  • Electronic transfers – external transfers, Zelle®, real-time payments and ACH
  • Payment processing credits and chargebacks

Some transactions, like wire transfers, are unlimited but may have transaction fees associated. For a comprehensive list of account pricing, terms and policies, reference the Business Essentials Pricing Information brochure.

Multiple tasks can be completed during a branch visit and be considered a single teller transaction. For example, multiple checks deposited together using a single deposit slip would count as one transaction. Teller withdrawals are also considered transactions.

Each paper check written on the account is considered a paper transaction.

Each excess transaction costs $0.50.4

Transaction fees starting at:9

  • 2.60% + 10¢ for swipe, tap or insert payments made by the customer in person
  • 3.50% + 15¢ for manual transactions where you enter manual card details for the customer in person or over the phone
  • 2.90% + 30¢ for online payments for digital or e-commerce purchases

Start accepting customer payments at the counter, in the field, at a jobsite or anywhere business takes you – all you need is a smartphone.

Your first mobile card reader is on us! Each additional card reader is $89.

With a built-in card reader, printer and long-lasting battery, you have the power to sell all day without interruption.8

Earn up to $1,200 with our Platinum Business Checking Account.

The Platinum Business Checking Package is designed for businesses with high balances and transaction activity. Enjoy additional benefits and earn up to a $1,200 bonus.

Learn more

Get answers to common business checking account questions.

Qualifying transactions include: debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or bill pay, or payment received via U.S. Bank Payment Solutions

Note: You must make all five qualifying transactions within 60 days of opening your account to receive your bonus.

Not eligible: Other transactions such as (but not limited to) other person-to-person payments, transfers to credit card or transfers between U.S. Bank accounts

You’ll receive your bonus 30 days following the last calendar day of the month after you have met the qualifications1.

Business Essentials bonus qualifications:

  • Deposit at least $5,000 of new money within 30 days.

  • Maintain at least $5,000 for 60 days after opening the account.

  • Complete five qualifying transactions within 60 days of opening an account.

Platinum Business Checking bonus qualifications:

  • Deposit at least $25,000 of new money within 30 days.

  • Maintain at least $25,000 for 60 days after opening the account.

  • Complete five qualifying transactions within 60 days of opening an account.

Your bonus will be paid out directly to your new U.S. Bank business checking account.

In order to qualify for the bonus promotion, you must maintain the daily balance promotion requirement. Your account will still be in good standing, but you will no longer qualify for the cash bonus.

Yes. With end-to-end encryption, both you and your customers’ information are protected by the latest authentication technology.

If your business doesn’t need the payments acceptance and processing features that Business Essentials has to offer, you can still use it as your checking account and enjoy all the benefits of a U.S. Bank business checking account. Checking and card payment acceptance are approved separately, and approval for checking doesn’t guarantee approval for accepting payments.

Create a Business Essentials account to get started. By offering Merchant Services, you'll be able to accept credit cards and other electronic payments. The merchant acquiring bank acts as an intermediary between your business and the credit card company, handling payment authentication and other technical aspects. Once the electronic payments are processed and approved, the bank will distribute the funds into your merchant account. It's a seamless way to streamline your payment process and ensure that you're able to accept a variety of payment methods from your customers (including but not limited to credit cards, contactless payment methods, digital wallets and Zelle® payments).

To open a Business Essentials checking account, you’ll need:

  • Your business’s Employer Identification Number (EIN) or tax ID number, or your Social Security number if you’re a sole proprietorship.

  • Articles of Incorporation, Articles of Organization or a charter or similar legal document that indicates when your company was formed (not required for sole proprietors).

  • Social Security number for you and anyone else authorized to sign checks or make transactions on behalf of your company. 

  • Name, email address and phone number for any additional owners with 25% or more ownership in the company.

Yes, this promotion1 also applies to the U.S. Bank Platinum Business Checking Package, which offers extra features for businesses with high balances and transaction volume. Learn more about the benefits, terms and conditions.

Let’s connect.

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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 800-673-3555 to talk with a representative right away.

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Start of disclosure content

Disclosures

  1. Promo code Q4DIG25 MUST be used when opening a U.S. Bank Business Essentials® or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.

    Bonus Options

    • Earn your $400 Business Checking bonus by opening a new U.S. Bank Business Essentials account between 10/01/2025 and 1/14/2026. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.

    or

    • Earn your $1,200 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking account between 10/01/2025 and 1/14/2026. You must make deposit(s) of at least $25,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $25,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.
       

    Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay, or payment received via U.S. Bank Payment Solutions. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.

    New money is considered money that is new to U.S. Bank. Funds must come from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials Pricing Information Document for a list of fees.

    Bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.

    Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.

    All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials Pricing Information and YDAA disclosure. These documents can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.

    Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.

  2. The daily balance is the balance at the end of each business day, equal to the beginning balance for that day plus the current business day credits, minus the current business day debits. Business days are Monday through Friday; federal holidays are not included. For additional information call 855-955-2760 or visit your local branch for a copy of Business Pricing Information disclosure or Business Essentials Pricing Information disclosure or refer to Your Deposit Account Agreement (YDAA).

  3. Digital transactions include electronic deposits, electronic withdrawals, ATM transactions, Elavon payment processing credits and chargebacks, electronic transfers, ACH, debit card purchases. Certain transactions may have additional service fees. Refer to U.S. Bank Business Essentials® Pricing Information or contact your Business Banker for complete pricing information.

  4. Teller transactions include deposits and withdrawals made with a banker/teller at a branch and paper checks written on the account. Transactions are $0.50 each once free transactions are surpassed. Certain transactions may have additional service fees. Refer to U.S. Bank Business Essentials® Pricing Information or contact your Business Banker for complete pricing information.

  5. Sales are processed daily and deposited into the associated checking account. Funding speeds will vary between weekdays and weekends and are dependent on batch settlement times. Batches will be processed every day, including weekends. Changing the account that your funds are deposited into may impact your funding speeds. Fee to retain daily funding and deposit applies when the associated checking account is a non-U.S. Bank checking account. Please see the U.S. Bank Business Essentials® Payment Processing Terms of Service and Operating Agreement for details.

  6. One free mobile card reader is included and is only available for customers applying for a new U.S. Bank Business Essentials® account through the online application. If the hardware selected is not available, we'll send you a comparable device with similar features. Card reader cannot be redeemed for any other hardware purchase or account credit. Additional card readers available for a fee.

  7. ATM Transaction Fee. U.S. Bank will assess this fee for each ATM Transaction conducted at the Non-U.S. Bank ATM. Non-U.S. Bank ATMs are defined as any ATM that does not display the U.S. Bank logo in any manner, physically on the ATM or digitally on the screen. 

    ATM Surcharge. Non-U.S. Bank ATM owners may apply a surcharge fee on ATM transactions at their ATMs. U.S. Bank participates in MoneyPass®, an ATM surcharge free network. To find MoneyPass ATM locations, select “Show MoneyPass® ATM Network locations” in the ATM locator https:// locations. usbank.com/search.html. If you use an ATM that uses the MoneyPass® Network and are charged a surcharge fee, please contact us at 800-USBANKS (872-2657) for a refund of the surcharge fee. 

    Please refer to the Business Essentials Pricing Information section titled “Other Checking Account Service Fees” for a summary of ATM Transaction fees.

  8. Handheld terminal may be new or used and is dependent on inventory available at time of order. If the hardware selected is not available, we'll send you a comparable device with similar features. Rentals may result in paying more for the equipment over time as compared to purchasing. All used equipment is inspected and refurbished upon return before being re-deployed. Rentals are month to month and may be terminated at any time by Company. Applicable sales tax will apply. Additional provisions around the use of rental equipment can be found in the Business Essentials Payment Processing Terms of Service and Operating Agreement.

  9. U.S. Bank Payment Solutions are powered by Elavon, a wholly owned subsidiary of U.S. Bank NA. Elavon assesses the following transaction fees, depending on the acceptance method for the credit card payment:

    Swipe, tap, insert: 2.60% of transaction amount + 10 ¢ per item
    Manual transaction: 3.50% of transaction amount + 15 ¢ per item
    Online payments: 2.90% of transaction amount + 30 ¢ per item

    Disclosed transaction fees apply for online applications. Transaction fees may vary and other fees may apply for accounts not opened online.

  10. U.S. Bank Payroll is a platform that enables small business customers to access third-party payroll processing services provided by Gusto, Inc. through the existing U.S. Bank online banking experience. U.S. Bank is not affiliated with Gusto, Inc.  For more information, please refer to the Embedded Payroll Service page.