Earn a bonus when you open a new U.S. Bank Business Essentials® account or Platinum Business Checking account and complete the required activities.
Offer valid through January 14, 2026.
Extra benefits for businesses with high balances and transaction activity.
Waive the $30 monthly maintenance fee with any one of the following:
To apply for an account online, you must own 20% or more of your business. Requirements may differ if you apply in person at a branch.
Each applicant must provide:
Business requirements:
Government-issued identification card may be required, such as:
Business Taxpayer Identification Number such as:
Proof of legal name if using a doing business as (DBA) name. (DBA names differ from owner’s or legal business names and are often filed with a government authority.)
Government-issued identification card may be required, such as:
Business Taxpayer Identification Number such as:
Business formation documents, which may include:
Government-issued identification card may be required, such as:
Business Taxpayer Identification Number such as:
Business formation documents, which may include:
Information about additional business owners:
Government-issued identification card may be required, such as:
Business Taxpayer Identification Number such as:
Business formation documents, which may include:
For additional association members:
Keep your business safe with fraud-prevention tools.
Automate payables and streamline cash flow management by quickly importing, tracking and organizing bill payments.
Integrate your third-party accounting, budget management and tax programs for a full view of your finances.
U.S. Bank Payroll powered by Gusto centralizes the tools you need to run payroll, manage tax forms and simplify daily business activities.13
1.4 million
Businesses choose us as their trusted financial partner.
Fortune
2025 Fortune® World’s Most Admired Companies™
1,200+
Bankers serving small to medium-sized businesses.
Business banking where you want it, when you want it
Open a Business Checking account in three simple steps.
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:
Platinum Business Checking bonus qualifications:
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).
Not your branch?
Schedule a virtual or in-person meeting with a business banker.
Fill in details about your banking needs and a representative will call you.
Call 800-673-3555 to talk with a representative right away.
