Earn a U.S. Bank Business Essentials® bonus

Promo code Q4DIG26 MUST be used when opening a U.S. Bank Business Essentials® or Platinum Business Checking account. Limit of one bonus per business. A $25 minimum deposit is required to open one of the referenced accounts.

To earn a business checking bonus, open a qualifying U.S. Bank business checking account between 9/28/2026 and 1/13/2027. Make the required deposit(s) in new money within 30 days of account opening, maintain the same required daily balance through the 60^th day, and complete 6 qualifying transactions based on posted date within 60 days of account opening.

• Business Essentials: $400 bonus with $5,000 deposits and daily balance
• Platinum Business Checking: $1,200 bonus with $25,000 deposits and daily balance

Qualifying transactions include debit card purchases, ACH and wire credits or debits, Zelle credits or debits, U.S. Bank mobile check deposit, electronic or paper check debits, U.S. Bank bill pay for business, and payment received via U.S. Bank Payment Solutions. Other transactions, such as person-to-person payments, credit card transfers (including bill payments to U.S. Bank credit cards), or transfers between U.S. Bank accounts, are not eligible.

New money is defined as funds 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 may reduce the required daily balance during the qualifying period.

Bonus will be deposited into your new eligible U.S. Bank business checking account within 30 days after the month-end in which all offer requirements are met, provided the account remains open, has a positive balance, and remains the same checking product type.

Offer may not be combined with other business checking bonus offers. Existing businesses with a business checking account or had one closed within the past 12 months, do not qualify.

All regular account-opening procedures apply. For full checking account pricing, terms and policies, refer to your Business Pricing Information, Business Essentials Pricing Information, and YDAA disclosure. These documents are available at any U.S. Bank branch or by 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.

U.S. Bank Business Essentials™ Visa® and U.S. Bank Business Essentials™ Plus Visa Signature® offer the Business Essentials Earning Bonus when paired with a Qualifying Business Checking Account. Eligibility for, and the applicable level of, the Business Essentials Earning Bonus is based on business-level ownership of a Qualifying Business Checking Account and meeting applicable Qualifying Balance requirements as determined under the credit card rewards program terms. Business-level ownership means the qualifying business checking account and the U.S. Bank Business Essentials™ Visa® or U.S. Bank Business Essentials™ Plus Visa Signature® are owned by the same business entity and the bank’s records reflect that ownership. The Business Essentials Earning Bonus applies only to U.S. Bank Business Essentials™ Visa® and U.S. Bank Business Essentials™ Plus Visa Signature® rewards program and does not provide additional discounts or fee waivers on deposit accounts.

Qualifying Business Checking Accounts include the following new and/or existing account types: U.S. Bank Business Essentials®, U.S. Bank Gold Business Checking, Gold Business Checking with Interest and U.S. Bank Platinum Business Checking.

See Business Essentials Visa Card and Business Essentials Plus Visa Signature Card for additional information specific to the credit card details.

Qualifying balances are based on balances held in one or more Qualifying Business Checking Accounts owned by the same business and may be combined across such accounts for purposes of determining eligibility.

Balance calculations used to determine the Business Essentials Earning Bonus apply only to the credit card rewards program and do not affect interest rates, fees, or benefits on your deposit accounts or other U.S. Bank products.

Balances held in U.S. Bank investment, trust and/or consumer accounts are not eligible for the Business Essentials Earning Bonus under this program.

Cash back rewards are earned under the U.S. Bank Business Essentials™ Visa® Card program.  These rewards are earned as “Points” and you will earn 2 Points for every $1 spent in eligible Net Purchases (Purchases minus credits and returns).

You will earn 2.5 Points (2 base and 0.5 additional Point) for every $1 in eligible Net Purchases spent when you qualify for the Business Essentials Earning Bonus except as described below. Please allow 1-2 statement billing cycles for Points to be credited to your account.

Business Essentials Earn Bonus qualifications:

• Have an existing checking account, or open a new checking account with a minimum opening deposit of $25, in one of the following “Qualifying Business Checking Accounts”: 
  • U.S. Bank Business Essentials®
  • U.S. Bank Gold Business Checking
  • Gold Business Checking with Interest
  • U.S. Bank Platinum Business Checking
• Have a “Qualifying Balance” of $10,000 or more with U.S. Bank in a Qualifying Business Checking Account. Deposits in other U.S. Bank accounts do not qualify towards the Qualifying Balance requirement.
• See Business Pricing Information and Business Essentials Pricing Information for additional pricing details specific to the Qualifying Business Checking Accounts.

Exceptions:

• Business Essentials Earning Bonus applies to a maximum of $10,000 in eligible Net Purchases each Card billing cycle. Eligible Net Purchases over $10,000 during each Card billing cycle will earn the base earn of 2 Points per $1 spent in Net Purchases.
• Not all Purchases are eligible to earn the Business Essentials Earning Bonus: Purchases classified as (1) education/school, (2) gift cards (including discount gift card sites), and (3) tax will earn the base of 2 points per $1 spent in Net Purchases and may not earn additional Points for the Business Essentials Earning Bonus. These Purchases are not calculated as part of the $10,000 cap. Each merchant’s business is identified by a category code established by Visa. A Purchase will not earn additional rewards if the category code applied to a merchant is in a category that is not eligible for additional rewards earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which Purchases qualify for additional rewards.

The Qualifying Balance is determined as follows:

• At the end of each day an average Qualifying Balance is calculated.  The balance is based on a 30-day average balance of all Qualifying Business Checking Accounts and is calculated by adding together the end of day ledger balance(s) for every day in the last 30 days and dividing the total by
  • 30 calendar days, or
  • the number of days since opening a Qualifying Business Checking Account
• The Business Essentials Earning Bonus tier that is applied to your U.S. Bank Business Essentials credit card account is determined based upon the Qualifying Balance (as described above).
  If your daily Qualifying Balance qualifies you for a tier upgrade or downgrade, you will be moved to the higher or lower tier (within 5 business days).  This means that the bonus tier that will be applied to your account may vary during a Card billing cycle.  The Business Essentials Earning Bonus is applied based on the Purchase transaction date using the effective tier value determined as of the date the transaction posts. The applicable Business Essentials Earning Bonus tier will be determined by reviewing the Qualifying Balance of the Authorized Officer’s Qualifying Business Checking Accounts. Balances of employee Qualifying Business Checking Accounts will not qualify for determining the Business Essentials Earning Bonus.

To redeem as Cash Back in the values noted in this advertisement, Points can be redeemed as a deposit into an eligible U.S. Bank deposit account or statement credit. Other redemptions, such as for gift cards or travel, may be at a reduced redemption rate.

Points will expire if there is no reward, Purchase, or balance activity on your Card account for 12 consecutive statement cycles. If you make a Purchase return or otherwise receive credit on a Purchase transaction, Points will be deducted from your Points balance based on the Business Essentials Earning Bonus tier that applies to your card account when you make the return or receive the credit.

Cash back rewards are earned under the U.S. Bank Business Essentials™ Plus Visa Signature® Card program. These rewards are earned as “Points” and you will earn 2 Points for every $1 spent in eligible Net Purchases (Purchases minus credits and returns). Please allow 1-2 statement billing cycles for Points to be credited to your account. You may earn additional Points for a Business Essentials Plus Earning Bonus if you:

• Have an existing checking account, or open a new checking account with a minimum opening deposit of $25, in one of the following “Qualifying Business Checking Accounts”:
  • U.S. Bank Business Essentials®
  • U.S. Bank Gold Business Checking
  • Gold Business Checking with Interest
  • U.S. Bank Platinum Business Checking
• Have a “Qualifying Balance” with U.S. Bank in an open Qualifying Business Checking Account. Deposits in other U.S. Bank accounts do not qualify towards the Qualifying Balance requirement. Based on your Qualifying Balance, you will earn Points according to the following Business Essentials Plus Earning Bonus tiers, except for the exceptions described below: 
  • Between $15,000 - $74,999.99, to earn a total of 2.5 Points per $1 of eligible Net Purchases (a base of 2 Points plus the Business Essentials Plus Earning Bonus of 0.5 Points),
  • Between $75,000 - $149,999.99, to earn a total of 3 Points per $1 of eligible Net Purchases (a base of 2 Points plus the Business Essentials Plus Earning Bonus of 1 Point), or
  • $150,000 or more to earn a total of 3.5 Points per $1 of eligible Net Purchases (a base of 2 Points plus the Business Essentials Plus Earning Bonus of 1.5 Points). 
• See Business Pricing Information and Business Essentials Pricing Information for additional pricing details specific to the Qualifying Business Checking Accounts.

Exceptions:

• Business Essentials Plus Earning Bonus applies to a maximum of $200,000 in eligible Net Purchases annually (which is the one-year period starting on the Account opening date). Eligible Net Purchases over $200,000 will earn the base earn of 2 Points per $1 spent in Net Purchases.
• Not all Purchases are eligible to earn the Business Essentials Plus Earning Bonus: Purchases classified as (1) education/school, (2) gift cards (including discount gift card sites), and (3) tax will earn the base of 2 points per $1 spent in Net Purchases and may not earn additional Points for the Business Essentials Plus Earning Bonus. These Purchases are not calculated as part of the $200,000 cap. Each merchant’s business is identified by a category code established by Visa. A Purchase will not earn additional rewards if the category code applied to a merchant is in a category that is not eligible for additional rewards earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which Purchases qualify for additional rewards.

The Qualifying Balance is determined as follows:

• At the end of each day an average Qualifying Balance is calculated.  The balance is based on a 30-day average balance of all Qualifying Business Checking Accounts and is calculated by adding together the end of day ledger balance(s) for every day in the last 30 days and dividing the total by   
  • 30 calendar days, or
  • the number of days since opening a Qualifying Business Checking Account
• The Business Essentials Plus Earning Bonus tier that is applied to your U.S. Bank Business Essentials Plus credit card account is determined based upon the Qualifying Balance (as described above). If your daily Qualifying Balance qualifies you for a tier upgrade or downgrade, you will be moved to the higher or lower tier (within 5 business days).  This means that the bonus tier that will be applied to your account may vary during a Card billing cycle. The Business Essentials Plus Earning Bonus is applied based on the Purchase transaction date using the effective tier value determined as of the date the transaction posts. The applicable Business Essentials Plus Earning Bonus tier will be determined by reviewing the Qualifying Balance of the Authorized Officer’s qualifying account(s). Balances of employee Qualifying Checking Accounts will not qualify for determining the Business Essentials Plus Earning Bonus.

To redeem as Cash Back in the values noted in this advertisement, Points can be redeemed as a deposit into an eligible U.S. Bank deposit account or statement credit. Other redemptions, such as for gift cards or travel, may be at a reduced redemption rate.

Points will expire if there is no reward, Purchase, or balance activity on your Card account for 12 consecutive statement cycles. If you make a Purchase return or otherwise receive credit on a Purchase transaction, Points will be deducted from your Points balance based on the Business Essentials Earning Bonus tier that applies to your card account when you make the return or receive the credit.

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.

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.

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.

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.

U.S. Bank provides zero fraud liability for unauthorized transactions. Zero fraud liability does not apply to certain commercial card transactions made with a business debit card. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply. See the Electronic Fund Transfers section in the Your Deposit Account Agreement for details.

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.

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).

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.

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.

New Credit Card Enrollment Bonus: One-time 50,000 bonus points (worth up to $500) will be awarded if eligible Net Purchases totaling $5,000 or more are made to the account within 150 days from account opening. All employee card(s) eligible Net Purchases will count towards the $5,000 spend requirement. Please allow 1-2 statement billing cycles for your bonus points to be credited to your account. This offer may not be combined with any other credit card bonus offer. Subject to credit approval. Maximum Point value applies to Points redeemed for a deposit into an eligible U.S. Bank Account or statement credit. The redemption value may be different if you choose to redeem your Points for other rewards such as travel, merchandise, and/or gift cards. Other restrictions apply. Establishment or ownership of a U.S. Bank Account or other relationship with U.S. Bank is not required to obtain a card or to be eligible to use Points to obtain any rewards offered under the program. Minimum redemption amounts may vary and are subject to change without notice.