Earn $1,200 bonus1

Deposit at least $25,000 in new money within 30 days of account open, maintain at least that balance5 for 60 days after opening the account and complete six qualifying transactions.

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.

Not eligible: Other transactions such as person-to-person payments, transfers to credit card or transfers between U.S. Bank accounts.

Offer valid through January 13, 2027.

Promo code: Q4DIG26

Promo code will automatically be applied.

Open an account

Earn $400 bonus1

Deposit at least $5,000 in new money within 30 days of account open, maintain at least that balance5 for 60 days after opening the account and complete six qualifying transactions.

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.

Not eligible: Other transactions such as person-to-person payments, transfers to credit card or transfers between U.S. Bank accounts.

Offer valid through January 13, 2027.

Promo code: Q4DIG26

Promo code will automatically be applied.

Open an account
  • Extra Benefits

    U.S. Bank Platinum Business Checking Package

    For larger businesses with complex banking needs.

    Earn $1,200  bonus1  

    • 550 free transactions per statement cycle
      $0.40 fee for each additional transaction6
    • 250 free cash deposit units per statement cycle7,8
    • $30 or $0 monthly maintenance fee9

    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 deposits10 and outstanding business credit balances11

    Promo code Q4DIG26 will be automatically applied.

    Open an account

  • U.S. Bank Business
    Essentials®

    Business checking and card processing, simplified.

    Earn $400  bonus1

    • Unlimited digital transactions12
    • 25 free teller and paper transactions per statement cycle13
    • Free same-day access to funds14
    • Free mobile card reader15
    • $0 monthly maintenance and software fees

    Promo code Q4DIG26 will be automatically applied.

    Open an account
US Bank Business Essentials Visa Card

Turn everyday business spending into cash back

Add the U.S. Bank Business EssentialsTM Visa® Card to your business checking account 
and earn on every credit card purchase.

  • Unlimited 2% cash back on every credit card purchase3,4
  • 2.5% total cash back with qualifying balances in a qualified business checking account2,3,4

Features available with your business checking account.

Simplify payments with bill pay for business.

Manage your finances directly from your business checking account. Schedule and monitor payments without extra software, and the security of knowing your bank details are never shared.

Manage payroll from your business online banking dashboard.

U.S. Bank Payroll powered by Gusto centralizes the tools you need to run payroll, automate tax filings and simplify daily business activities.16

  • Digital security guaranteed

    We offer enhanced security through encryption and zero fraud liability17 so unauthorized transactions don’t undermine your cash flow. Stay alert with always-on security notifications delivered to your phone.

  • Top rated mobile banking app18

    With the U.S. Bank Mobile App, you can track your spending, save toward your goals, and manage your money across all your accounts.

  • Convenience and control

    Seamlessly manage your business by adding our trusted partner solutions to your banking experience.

Earn your bonus in 

3 easy steps

  1. Open


    Open a new U.S. Bank Platinum Business Checking Package or U.S. Bank Business Essentials® account by January 13, 2027 using Promo code Q4DIG26.

  2. Deposit


    Deposit at least $25,000 for Platinum Business Checking or $5,000 for Business Essentials® in new money within 30 days of account open. 

  3. Earn


    Maintain at least that balance5 for 60 days after opening the account and complete 6 qualifying transactions.

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. 


Not eligible: 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.

View checking options

Get answers to common business checking account questions.

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. 

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

Not eligible: 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.

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 six 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 six qualifying transactions within 60 days of opening an account.

Your account must remain open, have a positive balance, and remain the same checking product type to receive the payout.

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.

Open an eligible U.S. Bank business checking account to get started. Once your account is established, you'll receive information about opportunities to apply for a U.S. Bank Business Essentials Visa® Card. Eligible customers may also be invited to apply during the account opening process after approval. When paired with an eligible checking account, cardholders can unlock even greater rewards, including up to 2.5% total cash back with the U.S. Bank Business Essentials™ Visa® Card and up to 3.5% total cash back with the U.S. Bank Business Essentials™ Plus Visa Signature® Card.2,3,4

Start of disclosure content
Disclosures

Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items.

Account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle to earn and redeem rewards and benefits. Upon approval, please refer to the Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into usbank.com for additional information.

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  1. 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 60th 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.

  2. 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 operate under the same Tax Identification Number (TIN). 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.

  3. 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.

  4. 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.

  5. 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).

  6. 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.

  7. 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 $0.35 per unit.

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

  9. 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.

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

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

  12. 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.

  13. 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.

  14. 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.

  15. 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.

  16. 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.

  17. 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.

  18. Digital financial services benchmarking firm Keynova Group ranked U.S. Bank #1 for mobile banking apps in its Q3 2024 Mobile Banker Scorecard.

Start of disclosure content

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

Additional deposit products and promotions may be available. Talk with a banker.

Start of disclosure content

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.

U.S. Bank Payment Solutions are powered by Elavon, a wholly owned subsidiary of U.S. Bank NA, and may have different privacy and security policies than U.S. Bank. For additional details, refer to the information found on the U.S. Bank Payment Solutions Privacy & Terms of Service page.

The creditor and issuer of these cards is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. or Mastercard International Incorporated, and the cards are available to United States residents only. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.