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Business banking solutions to help you do more

You’ll have access to money-smart solutions, strategic insights and digital tools to power your success, all in one place when you need it. With U.S. Bank Business Essentials™, you’ll also receive best-in-class personal support.

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Upcoming business banking transition dates

Memorial Day weekend, 2023:  Union Bank business, loans and checking accounts transition to U.S. Bank.

May 30, 2023:  Enroll in U.S. Bank mobile or online banking for most transitioned accounts.

June 23, 2023:  Business credit cards transition.

What you’ll need to do now

Keep banking as you normally do.

Continue to work directly with your Union Bank relationship team throughout your business banking transition.

Stay connected.

We’ll share important details about your checking accounts, credit cards, savings and CDs, mortgage, loans and lines in the coming months.

Get answers to transition questions about your business checking and savings accounts.

Yes. It is necessary for U.S. Bank to renumber all deposit accounts when they transition to U.S. Bank – but your Union Bank business account numbers will be usable after conversion. You will be sent a letter in May 2023 with your new account number and additional information, including instructions on how to order new U.S. Bank checks when you are ready.

You will receive a new U.S. Bank Business Debit and/or ATM Card by July 15, 2023.

Yes. You may continue to use your existing Union Bank Business Debit and/or ATM Card through July 31, 2023, or until you activate your new U.S. Bank Business Debit and/or ATM Card, whichever comes first.

No. Your PIN will not change. You will be able to use your existing PIN with your new U.S. Bank Business Debit and/or ATM Card.

Most automatic payments that were set up with your Union Bank Business Debit Card will automatically be updated with your new card information (card number, expiration date and the three-digit security code displayed on the back of your card). Common automatic payments include utility companies and cell phone services. You will need to verify all your automatic payments were updated accordingly.

Yes, for transactions within the U.S. Bank ATM network. U.S. Bank has an expansive ATM network. For a full listing of U.S. Bank branches with ATM access, please visit usbank.com/locations. 

ATM transactions made at non-U.S. Bank ATMs may incur a fee1. Refer to the Business Pricing Information that will be mailed to you prior to your account transition for more information.

Yes. You will be able to request cash back when you make a purchase using your business debit card and enter your PIN.

You’ll receive a new U.S. Bank Business Credit Card and number by early June 2023. See our credit card transition page to learn more.

Yes. You may continue to use your existing Union Bank checks and deposit slips until your supply runs out. 

For customers who currently receive e-statements with Union Bank, we’ll continue to provide e-statements with U.S. Bank at no charge with enrollment in U.S. Bank mobile or online banking.

Customers with accounts converting to Silver Business Checking will not be charged a paper statement fee through May 2024.

There is a paper statement fee for all other business checking accounts converting to U.S. Bank. The Business Pricing Information that will be mailed to you prior to your account transition will provide additional information applicable to paper statements.

Your service with your payroll vendor will continue as it does today. You will need to provide your new checking account number to your payroll vendor once you receive it.

Business loan & lines of credit

The terms of your existing Union Bank loan will remain in place following the transition to U.S. Bank.

If your business loan account number changes, you will be notified after conversion.

Keep paying your Union Bank loan as you normally do. After your account transitions, we’ll provide you with information about new payment methods.

Online & branch services

Yes. Based on your banking relationship at Union Bank, we’ll select the online banking platform we think best suits the needs of your business. You’ll either be able to enroll in U.S. Bank mobile and online banking, SinglePoint® or SinglePoint® Essentials. 

We’ll update this site with additional information on how to access your account digitally for the first time. We’ll also mail or email you additional information on these services closer to when your account transitions.

Your safe deposit box will remain at the same location unless you have been notified in a separate letter.

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Disclosures

  1. Transactions at Non-U.S. Bank ATMs may be assessed ATM Transaction fees that are disclosed in the Business Pricing Information disclosure section titled “Miscellaneous Checking, Savings or Money Market Fees.”

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

Credit products offered by U.S. Bank National Association and are subject to normal credit approval and program guidelines. Some restrictions and fees may apply.

Financing maximums and terms are determined by borrower qualifications and use of funds.

For any deferred or promotional payment period, interest accrues and is amortized over the remainder of the term and outstanding balance.

U.S. Bank and SinglePoint are registered trademarks of U.S. Bank National Association.