Earn your bonus.

To earn up to $800, open a U.S Bank Business Checking account using code BIZESS1 and complete the following activities:1

  • Open a U.S. Bank Business Checking account (Silver, Gold, Platinum).
  • Deposit $5,000 or $25,000 in new money within 30 days of account opening and maintain your balance for at least 60 days.2

Your bonus is determined by the amount you deposit:

  • Earn $400 if you deposit $5,000 in new money.
  • Earn $800 if you deposit $25,000 in new money.

Benefits of U.S. Bank business checking accounts

Take your business to the next level. Explore options that offer additional benefits to manage your finances more efficiently. Enjoy no monthly maintenance fees and smart tools to forecast cash flow and plan your budget to make more informed decisions about your business. Live support is available if you need it.

Online and mobile banking

  • Forecast cash flow, access payment tools and explore funding options via one dashboard.
  • Deposit checks online using your mobile device.

Options with no monthly maintenance fees

  • Pay no monthly maintenance fees for Silver business checking accounts.
  • For our Gold and Platinum packages, meet certain criteria to get monthly maintenance fees waived.4

Protected funds

Everyday convenience

  • Make business purchases with your U.S. Bank Visa Debit card.
  • Use any of our 13,000 U.S. Bank ATMs for no fee.5
  • Set up overdraft protection to cover all surprises.6

Expertise with a 160-year history

For generations, business owners have trusted U.S. Bank with their financial needs.

Additional support and services

Get integrated planning with third-party accounting, budget management and tax programs to meet all your business needs.

Checking accounts that do more for your business

Silver Business Checking Account Package

Best for new or small businesses with basic banking account needs

  • $0 monthly maintenance fee
  • 125 free transactions per statement cycle
  • $0.50 fee for each additional transaction7
Apply now

Gold Business Checking Account Package

Best for businesses with more banking activity

  • $20 monthly maintenance fee, waivable4
  • 300 free transactions per statement cycle
  • $0.45 fee for each additional transaction8
Apply now

Platinum Business Checking Account Package

Best for mature businesses with higher balances

  • $30 monthly maintenance fee, waivable4
  • 500 free transactions per statement cycle
  • $0.40 fee for each additional transaction9
Apply now

Note: Click Apply button above and we’ll enter the promo code for you. If you apply for your checking account from a different page, you’ll need to manually enter this promo code to your account application: BIZESS11

How to waive fees

You can waive the monthly maintenance fee with one of the following:4

  • U.S. Bank Payment Solutions Merchant Account
  • $10,000 average collected checking balance or $25,000 average collected checking balance on interest-bearing option
  • $20,000 in combined average collected deposit balances10 or $50,000 in combined average collected balance on interest-bearing option10
  • $50,000 combined average collected business deposits and outstanding business credit balances11

You can waive the monthly maintenance fee with one of the following:4

  • $25,000 average collected checking balance
  • $75,000 combined average collected business deposits10 and outstanding business credit balances11

More ways to choose the right account for you

Compare business checking accounts.

Get an in-depth look at the finer details of all our business checking account options.

Compare accounts

Get a recommendation.

Answer a few quick questions to determine which checking account will suit your business best.

Get started

Read an article about choosing the right account.

Consider these important factors for your business.

Read article

Need support? Schedule an appointment with a banker.

Provide your promo code BIZESS11 and a banker will help you find the right checking account.

Schedule an appointment

Start of disclosure content
Disclosures

  1. Promo code BIZESS1 MUST be used when opening the business checking account. Limit of one Business Checking bonus per business. A $100 minimum deposit is required to open a U.S. Bank Silver, Gold, Gold with Interest, Platinum Business Checking, or Business Essentials (Only available in certain markets) account.

    Bonus Options

    • Earn your $400 Business Checking bonus by opening a new U.S. Bank Silver, Gold, Gold with Interest, Platinum, or Business Essentials (Only available in certain markets) Business Checking account between 4/24/2024 and 7/2/2024. 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. 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. Checking 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 U.S. Bank Business Essentials® Pricing Information Document for a list of fees.

    or

    • Earn your $800 Business Checking bonus by opening a new U.S. Bank Silver, Gold, Gold with Interest, Platinum, or Business Essentials (Only available in certain markets) Business Checking account between 4/24/2024 and 7/2/2024. 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. 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. Checking 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 U.S. Bank Business Essentials® Pricing Information Document for a list of fees.

    The business checking bonus will be deposited into your new U.S. Bank Silver, Gold, Gold with Interest, Platinum, or Business Essentials (Only available in certain markets) 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. This offer is only valid for new business checking customers, 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 U.S. Bank Business Essentials® Pricing Information and YDAA disclosure. This document 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. This can be found on your monthly statement in the Balance Summary section.

  3. FDIC insured to the maximum allowed by law.

  4. Monthly Maintenance Fee Waiver Options: Gold Business Checking: U.S. Bank Payment Solutions Merchant Banking OR $10,000 average collected balance OR $20,000 combined average collected business deposit balances OR $50,000 combined average collected business deposits and outstanding credit balances. Platinum Business Checking: $25,000 average collected balance OR $75,000 combined average collected business deposits and outstanding business credit balances.

  5. ATM Transaction Fee. U.S. Bank will assess this fee for each ATM Transaction (withdrawal, balance inquiry, denied transaction, funds transfer or deposit) 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 “visit the MoneyPass locator” at the bottom of our ATM locator search results to be taken to the MoneyPass website. 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 Pricing Information section titled “Other Service Fees” for a summary of ATM Transaction fees.

  6. To avoid overdraft fees and manage your overdraft protection, you can link another deposit account, credit product, or active U.S. Bank Business Credit Card account with the same account owner(s).

  7. Transactions are $0.50 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.

  8. Transactions are $0.45 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.

  9. 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.

  10. Business deposit balances only. Balances will be verified 2 days prior to the last day of your statement cycle.

  11. Business credit outstanding balances only. Balances will be verified 2 days prior to the last day of your statement cycle.

Start of disclosure content

For additional information call 855-955-2760 or visit your local branch for a copy of Business Pricing Information disclosure or refer to Your Deposit Account Agreement (YDAA).

Eligibility requirements and restrictions apply. Please refer to the Digital Services Agreement for more information.

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

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