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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Limited Time

Business Money Market Bonus Rate Promotion

Earn money while you save with our limited time bonus interest rate.

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Open an account today with a minimum deposit of $100. Then add more money your way.

  • Deposit a check using the U.S. Bank Mobile App or visit a U.S. Bank branch or ATM.
  • Complete an online transfer into your new U.S. Bank account.
  • Wire money from your old account into your new U.S. Bank account.

Explore the possibilities

U.S. Bank business bank accounts work with payment tools and support varying levels of monthly transactions, including deposits and check and debit card purchases. Apply online today.

Silver Business Checking Account Package

Best for new or small businesses with basic banking account needs

  • $0 monthly maintenance fee
  • 125 free transactions per month1
  • $0.50 fee for each additional transaction
Apply now Learn more

Gold Business Checking Account Package

Best for businesses with more banking activity

  • $20 monthly maintenance fee, waivable2
  • 300 free transactions per month1
  • $0.45 fee for each additional transaction
Apply now Learn more

Platinum Business Checking Account Package

Best for established businesses with higher balances

  • $30 monthly maintenance fee, waivable2
  • 500 free transactions per month1
  • $0.40 fee for each additional transaction
Apply now Learn more

Specialty business checking accounts

Nonprofit Checking Account

Ideal checking account features for nonprofit businesses

  • $0 monthly maintenance fee
  • 1800 free transactions annually3
  • $0.50 fee for each additional transaction
Apply now Learn more

Premium Business Checking Account

Premium services to help you plan and progress

  • Analyzed account fee, waivable4
  • Earn credit on qualifying balances
  • 24/7 telephone support
Find a branch Learn more

Let us help you get started with the right business checking account.

Need a business checking account recommendation?

Simply answer a few questions to see which business checking account may meet your needs.

Get a business checking account recommendation

Compare business checking accounts.

Get an in-depth look at the finer details of all our business checking accounts, side by side.

Compare all business checking accounts
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Switch to U.S. Bank business checking.

Use our EZ Switch Kit for a seamless transition to your new U.S. Bank business checking account.

Download the EZ Switch Kit

How to waive the monthly maintenance fees

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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 balances5 or $50,000 in combined average collected balance on interest-bearing option5
  • $50,000 combined average collected business deposits and outstanding business credit balances6

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

  • $25,000 average collected checking balance
  • $75,000 combined average collected business deposits5 and outstanding business credit balances6

Analyzed account;4 maintenance and transaction fees can be offset by an earnings credit based on account balance

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

Mobile banking

Download the app

Online banking

Explore the benefits

Branches & ATMs

Search locations

Business bankers

Make an appointment
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Add a payment solution to boost your cash flow.

A U.S. Bank business checking account and Everyday Funding give you access to your funds within hours, seven days a week, so you can increase your cash flow.

Pay & receive

Answers to your business checking and cash flow questions

Two men sitting in a restaurant

Eight ways small business owners manage cash flow

Ambition and unique vision aren’t all you need to have a successful small business. Keeping track of the day-to-day details is also required.

Learn more about managing cash flow
Female business owner working in her shop

Does a side business really need a bank account?

Once a hobby morphs into a small business, you may find it needs its own business bank account. Here are five reasons why.

Reasons to get a business checking account
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Three awkward situations Zelle® can help avoid

Whether someone owes you money or you need to manage payroll, mobile payments can solve money matters for small businesses in minutes.

Learn about using Zelle

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.

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.

Absolutely. U.S. Bank offers business tools and resources to help you manage your daily finances and navigate the future. Whether you need solutions to help you pay and receive , manage and run or plan and progress, we’ve got you covered.

Ready to get started?

Find a branch
Make an appointment
Request a call
Call 800-673-3555
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Disclosures

  1. 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. 

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

  3. 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.

  4. 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.

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

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

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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 subject to normal credit approval.

See the U.S. Bank Your Deposit Account Agreement booklet for additional disclosures applicable to deposit accounts. Other conditions and restrictions may apply. Terms may change without notice. For the most current information about packages and benefits available, contact your banker.