Checking accounts that do more for your business

U.S. Bank Platinum Business Checking Package

A comprehensive business banking account with more free transactions, more free deposits and lower transaction fees.

Earn $1,200 bonus1

Deposit at least $25,000 in new money within 30 days of account open, maintain at least that balance2 for 60 days after opening the account and complete five qualifying transactions.

Debit card purchases, ACH credits, wire transfer credits & debits, Zelle® credits and debits, U.S. Bank mobile check deposit, U.S. Bank bill pay, or payment received via U.S. Bank Payment Solutions.

Promo code: Q4DIG25

Key features

550 free transactions per statement cycle
$0.40 fee for each additional transaction3

250 free cash deposit units per statement cycle4,5

$30 or $0 monthly maintenance fee6 
Waive the $30 monthly maintenance fee with any one of the following:

  • U.S. Bank Payment Solutions
  • $25,000 average collected checking balance
  • $75,000 combined average collected business deposits7 and outstanding business credit balances8

Promo code Q4DIG25 will be automatically applied.

Open an account

U.S. Bank Business
Essentials®

Checking and card payment in one connected experience.
 

Earn $400 bonus1

Deposit at least $5,000 in new money within 30 days of account open, maintain at least that balance2 for 60 days after opening the account and complete five qualifying transactions within 60 days.

Debit card purchases, ACH credits, wire transfer credits & debits, Zelle® credits and debits, U.S. Bank mobile check deposit, U.S. Bank bill pay, or payment received via U.S. Bank Payment Solutions.

Promo Code: Q4DIG25

Key features

Unlimited digital transactions9

25 free teller and paper transactions per statement cycle10

Free same-day access to funds11

Free mobile card reader12

$0 monthly maintenance and software fees

Promo code Q4DIG25 will be automatically applied.

Open an account

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:

  • Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN)
  • Legal name
  • Email address
  • Home address
  • Mobile number

Business requirements:

  • Business Taxpayer Identification Number (TIN)
  • Legal business name and physical address
  • Minimum opening deposit of $100 
  • Estimated debit and credit card sales (For Business Essentials applications) 

Government-issued identification card may be required, such as:

  • Driver’s license
  • State-issued identification card
  • U.S. passport

Business Taxpayer Identification Number such as:

  • SSN
  • ITIN
  • Employer Identification Number (EIN)

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:

  • Driver’s license
  • State-issued identification card
  • U.S. passport

Business Taxpayer Identification Number such as:

  • SSN
  • ITIN
  • Employer Identification Number (EIN)

Business formation documents, which may include:

  • Valid government-issued business license
  • Letter from the Secretary of State
  • Operating agreement
  • Articles of incorporation
  • Proof of legal name if using doing a 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:

  • Driver’s license
  • State-issued identification card
  • U.S. passport

Employer Identification Number (EIN)
 

Business formation documents, which may include:

  • Valid government-issued business license
  • Letter from the Secretary of State
  • Operating agreement
  • Articles of incorporation
  • 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.)

Information about additional business owners:

  • Provide the name, phone number and email address of any additional business owners. They will receive a portion of this application to complete. 

Government-issued identification card may be required, such as:

  • Driver’s license
  • State-issued identification card
  • U.S. passport

Employer Identification Number (EIN)
 

Business formation documents, which may include:

  • Valid government-issued business license
  • Letter from the Secretary of State
  • Certified articles of organization 

For additional association members:

  • Provide the name, phone number and email address of any additional members who will also be account owners. Members who will also be account owners will receive an application to complete their details.

Benefits included in every U.S. Bank business checking account.

Enhanced security

Keep your company safe with fraud-prevention tools.

Money movement

Transfer funds and pay multiple bills in just minutes.

Program integration

Connect your third-party accounting, budgeting and tax programs with ease.

Manage cash flow

Use a business banking dashboard and cash flow forecasts to manage and optimize your finances.

Trusted by businesses nationwide

  • 1.4 M+

    businesses choose us as their trusted financial partner

    Client data as of February 28, 2025

  • 1,200 +

    bankers serving small to medium-sized businesses

  • Fortune

    2025 Fortune® World’s Most Admired Companies™

U.S. Bank business checking account interface displayed on both a smartphone and laptop screen

Business banking where you want it,
when you want it.

  • With more than 4,300 U.S. Bank ATMs and 2,000 branches, we're easy to find.
  • Manage your finances and bank securely from your office or on the go.
  • Set up an appointment to meet a banker with the expertise you can rely on.

Open a business checking account in just minutes

  1. Apply online or at a local branch

  2. Submit documentation and details about your business

  3. Submit your first deposit to fund your account

View checking options

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:

  • Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN)
  • Legal name
  • Email address
  • Home address
  • Mobile number

Business requirements:

  • Business Taxpayer Identification Number (TIN)
  • Legal business name and physical address
  • Minimum opening deposit of $100 
  • Estimated debit and credit card sales (For Business Essentials applications) 

Government-issued identification card may be required, such as:

  • Driver’s license
  • State-issued identification card
  • U.S. passport

Business Taxpayer Identification Number such as:

  • SSN
  • ITIN
  • Employer Identification Number (EIN)

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:

  • Driver’s license
  • State-issued identification card
  • U.S. passport

Business Taxpayer Identification Number such as:

  • SSN
  • ITIN
  • Employer Identification Number (EIN)

Business formation documents, which may include:

  • Valid government-issued business license
  • Letter from the Secretary of State
  • Operating agreement
  • Articles of incorporation
  • Proof of legal name if using doing a 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:

  • Driver’s license
  • State-issued identification card
  • U.S. passport

Employer Identification Number (EIN)
 

Business formation documents, which may include:

  • Valid government-issued business license
  • Letter from the Secretary of State
  • Operating agreement
  • Articles of incorporation
  • 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.)

Information about additional business owners:

  • Provide the name, phone number and email address of any additional business owners. They will receive a portion of this application to complete. 

Government-issued identification card may be required, such as:

  • Driver’s license
  • State-issued identification card
  • U.S. passport

Employer Identification Number (EIN)
 

Business formation documents, which may include:

  • Valid government-issued business license
  • Letter from the Secretary of State
  • Certified articles of organization 

For additional association members:

  • Provide the name, phone number and email address of any additional members who will also be account owners. Members who will also be account owners will receive an application to complete their details.

Prefer to talk with a banker?

Get answers to common business checking account questions

Qualifying transactions include: Debit card purchases, ACH credits, wire transfer credits & debits, Zelle® credits and debits, U.S. Bank mobile check deposit, U.S. Bank 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 qualifications.1 

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 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. 
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. Transactions are $0.40 each once free transactions are surpassed. A transaction includes deposits and other credits, checks paid and other debits, ACH and deposited items, and signature and PIN based purchases made with a U.S. Bank Business Debit Card. The U.S. Bank Business Debit Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

  4. 250 free cash deposit units per statement cycle. Cash deposit units are calculated by dividing each cash deposit amount by 100 and rounding the resulting value to a whole number. To determine rounding, less than $0.50/$50 is rounded down and more than or equal to $0.50/$50 is rounded up. Any deposit less than $150 equals one unit. Examples: $782.00 equals 8 units, $440.52 equals 4 units. Cash unit allowance applicable to all cash deposits in branch and through U.S. Bank partner ATMs, cash unit allowance not applicable to Cash Vault product. After free units per statement cycle the fee is $0.33 per unit.

  5. Units are calculated by dividing each cash deposit by 100 and rounding the results value to a whole number.

  6. Monthly Maintenance Fee Waiver Options for Platinum Business Checking: U.S. Bank Payment Solutions OR $25,000 average collected account balance OR $75,000 combined average collected balances across all U.S. Bank business deposit accounts and outstanding business credit balances.

  7. Business deposit balances only. Balances will be verified 1 day prior to the last day of your statement cycle.

  8. Business credit outstanding balances only. Balances will be verified 1 day prior to the last day of your statement cycle.

  9. 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.

  10. 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.

  11. 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.

  12. 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.

Start of disclosure content

Other conditions and restrictions may apply. Terms may change without notice.

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

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

From Fortune, ©2025 Fortune Media IP Limited. All rights reserved. Used under license. Fortune® is a registered trademark and Fortune World’s Most Admired Companies™ is a trademark of Fortune Media IP Limited and are used under license. Fortune and Fortune Media IP Limited are not affiliated with, and do not endorse the products or services of, U.S. Bancorp N.A.