Stress free support that caters to your business checking needs.
A U.S. Bank business checking account helps your money go further with smart online banking tools and personalized support from our business banking experts.
View checking options
Benefits of U.S. Bank business checking accounts
Security
Minimize risk and protect company information with fraud prevention tools.
Money movement
Transfer money and pay multiple billers in minutes.
Connect programs
Integrate your third-party accounting, budget management and tax programs for a full view of your finances.
Monitor cash flow
Forecast cash flow with a business banking dashboard to help you plan ahead.
Business accounts you need to succeed
Open an account today with a minimum deposit of $100, then add more money as you grow. For a comprehensive list of account pricing, terms and policies, reference the Business Pricing Information Brochure.
Silver Business Checking Package
Best for new or small businesses with basic banking needs
- $0 monthly maintenance fee
- 125 free transactions per statement cycle1
- $0.50 fee for each additional transaction2
Apply now Learn more
Gold Business Checking Package
Best for businesses with more banking activity
- $20 or $0 monthly maintenance fee when you meetrequirements3
- 350 free transactions per statement cycle1
- $0.45 fee for each additional transaction 4
Apply now Learn more
Platinum Business Checking Package
Best for established businesses with higher balances
- $30 or $0 monthly maintenance fee when you meetrequirements3
- 550 free transactions per statement cycle1
- $0.40 fee for each additional transaction5
Apply now Learn more
Nonprofit Checking Account
Ideal checking account features for nonprofit businesses
- $0 monthly maintenance fee
- 1,800 free transactions per calendar year1
- $0.50 fee for each additional transaction2
Apply now Learn more
Premium Business Checking Package
Premium services to help you plan and progress
- $30 monthly maintenance fee
- Offset account fees through an earnings credit , which is calculated based on your balance 6,7,8
- 24/7 live support
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We’ll help you get started
Compare business checking accounts.
Get an in-depth snapshot of our business checking accounts.
Compare all business checking accounts
Unsure which account is right for you?
Answer a few questions to find the right fit for your business.
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Easily switch to a U.S. Bank business checking account.
Use our business EZ Switch Kit to transfer to a U.S. Bank business checking account.
Download the EZ Switch Kit (PDF)
Business banking 24/7
Mobile banking
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Online banking
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Branches & ATMs
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Business bankers
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How to waive the monthly maintenance fees
You can waive the monthly maintenance fee with one of the following:
- 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 balances9 or $50,000 in combined average collected balance on interest-bearing option9
- $50,000 combined average collected business deposits9 and outstanding business credit balances10
You can waive the monthly maintenance fee with one of the following:
- U.S. Bank Payment Solutions Merchant Account
- $25,000 average collected checking balance
- $75,000 combined average collected business deposits9 and outstanding business credit balances10
Frequently asked questions
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.
- Learn more about application requirements based on your business structure
We can help you find the business checking account that’s right for your business. Get a recommendation.
First, you’ll want to determine which features and benefits are the best fit for your business needs. Visit our business banking comparison chart to see all the flexible and convenient account options U.S. Bank has to offer, or take a short quiz to get a personalized recommendation.
Yes. Every U.S. Bank business checking account includes a U.S. Bank Visa® debit card.
Ready to get started?
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Disclosures
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 Agreementfor more information.
Deposit products are offered by U.S.Bank National Association. Member FDIC.
Other conditions and restrictions may apply. Terms may change without notice.
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Footnote
Return to content, Footnote
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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.
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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.
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Monthly Maintenance Fee Waiver Options: Gold Business Checking:U.S. BankPayment 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:U.S. Bank Payment Solutions Merchant Banking OR $25,000 average collected balance OR $75,000 combined average collected business deposits and outstanding business credit balances.
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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.
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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.
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Analyzed accounts are eligible for earned credits to offset transaction, maintenance and other fees associated with account activity. Visit a U.S. Bank branch for more details.
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Earnings Credit Rates may change at any time without prior notice. Earnings Credit: Average Collected Balance Available for Earnings Credit Services / Earnings Credit Rate / Actual Days in Month X Actual Days in Year. Refer to your Customer Analysis Statement for your current Earnings Credit Rate. For additional information call 855-955-2760 or visit your local branch to talk with a Business Banker.
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Interest rates subject to change without notice.
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Business deposit balances only. Balances will be verified 1 day prior to the last day of your statement cycle.
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Business credit outstanding balances only. Balances will be verified 1 day prior to the last day of your statement cycle.
