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Small Business > Products & Services > Checking Accounts  

Business Checking
Let U.S. Bank help you select the right checking account for your business.
Commercial Every business is unique. That's why U.S. Bank has designed a selection of checking accounts that can be matched to your business' particular needs. Whether you're looking for a basic, low-cost account, one that earns interest, or an account that helps you manage your transaction activity - U.S. Bank has an account with the features you need.

We also make sure your banking is as easy and efficient as it can be with additional services that let you spend less time on banking and more time running your business.

Internet Banking Options - to give you greater control over your finances with instant access to your account information and the ability to perform banking transactions when it's most convenient for you.

U.S. Bank Business Check Card - offers the most convenient way for you to make business purchases and have ATM access. There is no annual fee and your U.S. Bank Business Check Card is accepted everywhere Visa® cards are welcome.

24-Hour Business Solutions - access account information and perform banking transactions with one simple call and a touch-tone phone. Or, you can speak directly to one of our business customer service representatives for more detailed assistance.

Cash Management Solutions - U.S. Bank offers a variety of cash management products from simple Business Sweep accounts to more complex information and balance reporting services - all to help you efficiently manage your cash balances and improve your cash flow.

EZ Switch - step by step instructions on how to close your old bank account and get your business off to a new start with U.S. Bank.

Account Options

Business Checking Comparison

Account Opening Checklist

Free Small Business Checking
Designed especially for start-up and at-home businesses with low to moderate transaction volume.

  • No minimum balance
  • No monthly maintenance fee
  • 150 free transactions per month; $.50 per transaction over 150
  • Non-routine transaction fees may apply; see banker for details.
  • No fee for check safekeeping or for return of front of check images;
           $2.00 fee for front and back of check images;
           $10.00 fee for returned checks.
  • Free U.S. Bank Internet Banking
  • Overdraft protection available from line of credit or savings account1
  • No annual fee Business Check Card
  • No annual fee Business Credit Card with one purchase per year1

Basic Business Checking with Interest
Designed especially for non-profits, sole proprietors and government organizations with low to moderate transaction volume.

  • Waive monthly maintenance fee with $2,000 minimum daily ledger balance or $3,000 average collected balance
  • Low monthly maintenance fee if balance falls below minimum
  • Overdraft protection available from line of credit or savings account1
  • 150 free transactions per month; $.50 per transaction over 150
  • Non-routine transaction fees may apply; see banker for details.
  • No fee for check safekeeping or for return of front of check images;
           $2.00 fee for front and back of check images;
           $10.00 fee for returned checks.
  • Free U.S. Bank internet Banking
  • No annual fee Business Check Card
  • No annual fee Business Credit Card with one purchase per year1

Business Edge Checking
Designed for business customers that want to use compensating balances in other U.S. Bank accounts to offset business checking fees.

  • Waive monthly maintenance fee with any one of the following monthly balances:
    1. Average collected balance of $10,000 in Edge Checking or
    2. Combined average collected balance of $20,000 in Edge Checking and any U.S. Bank savings or money market account or
    3. $50,000 in collected business deposit or business loan balances
  • Low monthly maintenance fee if balances fall below minimum
  • 500 free transactions per month; $.50 per transaction over 500
  • Overdraft protection available from line of credit or savings account1
  • Business Savings Sweep option available to maximize excess deposit balances (additional fee applies)
  • No fee for check safekeeping or for return of front of check images;
           $2.00 fee for front and back of check images;
           $10.00 fee for returned checks.
  • Free U.S. Bank Internet Banking
  • No annual fee Business Check Card
  • No annual fee Business Credit Card with one purchase per year1

Premium Business Checking
Designed for businesses with moderate to high levels of transaction activity and maintain higher deposit balances to help offset fees.

  • No minimum balance requirement
  • Affordable monthly maintenance fee
  • Low per transaction fee for debits, credits, and deposited items
  • Overdraft protection available from line of credit or savings account1
  • Business Savings Sweep option available to maximize excess deposit balances (additional fee applies)
  • Analyzed account; which means transaction fees and monthly maintenance fee may be offset by a monthly earnings credit allowance based on deposited balances.
  • Free U.S. Bank Internet Banking
  • No annual fee for Business Check Card
  • No annual fee for Business Credit Card with one purchase per year1
  • No fee for check safekeeping;
           Image Statements $2.00 and the first 100 images
           are free, each additional image is $.01;
           Check Return is $10.00 and the first 100 items
           are free; and each additional image is $.05.

Business Savings Sweep Feature
A convenient cash management tool that sweeps excess funds between an interest-bearing savings account and either U.S. Bank Business Edge Checking or U.S. Bank Premium Business Checking.

  • No Minimum balance requirement for Business Savings Sweep
  • Low monthly maintenance fee: $30 if linked to Business Edge Checking of $50 if linked to Premium Business Checking
  • Competitive, tiered interest rates
  • Customized lower and upper target levels and sweep amount
  • Automatic management of federal regulation D governing pre-authorized withdrawals
  • Convenient access to account information via phone, internet, or monthly account statement

To apply for Business Savings Sweep, visit your nearest U.S. Bank location.

U.S. Bank Premium Non-Profit Checking
Designed for Non-Profit organizations with moderate to high levels of transaction activity and account balances. Use your account balance to offset monthly fees.

  • No minimum balance requirement
  • Tiered interest rates based on account balances
  • Analyzed account which means monthly service charges may be offset by monthly interest earned
  • Flat monthly maintenance fee
  • Per transaction fee for withdrawals, deposits and deposited items
  • Free check safekeeping
  • Overdraft protection available1
  • Free Internet Banking and Account Alerts
  • Free Internet Bill Pay
  • No annual fee Visa® Business Check Card with Rewards2
  • Access to comprehensive banking services, including savings, money market accounts and sweeps, information reporting, ACH, credit card processing, and more
  • Charitable Giving Services available

U.S. Bank Non-Profit Checking
Designed for Non-Profit organizations with low to moderate transaction volume.

  • No minimum balance or monthly maintenance fee
  • 1,800 free transactions per calendar year; $0.50 per transaction thereafter3
  • 300 free cash deposit units per calendar year; per $100 fee thereafter4
  • Tiered interest rates based on account balances
  • Free check safekeeping
  • Overdraft protection available1
  • Free Internet Banking and Account Alerts
  • Free Internet Bill Pay
  • No annual fee Visa® Business Check Card with Rewards2
  • Access to comprehensive banking services, including savings, money market accounts and sweeps, credit card processing, ACH, and more
  • Charitable Giving Services available

Business Savings Options
While a U.S. Bank business checking account will be the foundation of your business banking needs, we also offer a complete line of business savings plans to help you maximize your excess funds. A U.S. Bank business savings account is the next step to a sound financial future for your company.

To apply for a Business Checking Account, please visit your nearest U.S. Bank location.

For more information on Business Checking accounts, please call

  • In Minneapolis/St. Paul Metro area, 651-244-7770
  • For all other locations, 800-673-3555

To download any of the forms listed here, you should have Adobe® Acrobat® Reader® (Ver 4.0 or higher) installed on your PC. If you do not have the software, please download it from here:

Adobe Acrobat Reader
  1. Subject to normal credit approval

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  2. Checking That Pays offers reward programs for check cards that can be added to any U.S. Bank business checking account. Only signature-based purchases qualify for rewards. Cash advances, ATM transactions and purchased made with a PIN do not qualify. Cash rewards may accumulate through the U.S. Bank Business Check Card or the U.S. Bank Deposit Check Card. Rewards accumulated through the Deposit Check Card will roll up under the primary Business Check Card. Other employee cards are not eligible. All reward programs subject to change without prior notification. Earned rewards may be lost if customers choose to switch check card reward programs. Deposit products are offered by U.S. Bank N.A. Member FDIC

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  3. Units are calculated by dividing each cash deposit transaction by 100 and rounding the resulting value to a whole number.

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  4. A transaction includes deposits and other credits, checks paid and other debits, ACH and deposited items. Signature-based purchases (non-PIN) made with a U.S. Bank Business Check Card are not counted as a transaction.

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