With Business Essentials you get unlimited online transactions and 25 non-digital transactions per month (ATM, in-branch, wire transfers). There is no monthly maintenance fee.
Open a business essentials checking account
Business checking and payments in one.
U.S. Bank Business Essentials seamlessly blends the moving pieces within a small business – from checking to accepting payments to invoicing. We can help you manage your cash flow and back-office tasks so you can focus on what matters most.
Benefits with a boost
Business Essentials is a new way of managing your finances and daily business activities in one place. Apply once and gain access to essential services, tools and technology to make running your business easier.
With mobile payment acceptance built in, you can begin accepting payments right away. You can add a card reader any time and explore enhanced payment solutions as your business needs evolve.
Keep tabs on your business finances with integrated software that helps streamline back-office tasks like invoicing and forecasting.
Deposit up to $2,500 in cash at over 2,000 branches nationwide for no fee.
Payments on-the-go
Our mobile payment solution allows you to accept payments anywhere, any time. Accept all major credit and debit cards accepted – Visa®, Mastercard®, Discover®, American Express®, plus contactless payment solutions including Apple Pay®, Google Pay® and Samsung Pay®.
Built around you pricing
No hidden fees, no long-term contracts and no standard PCI fees. Plus, as a Business Essentials customer, you can add a card reader for free after an automatic rebate.*
- Swipe, tap, dip 2.6% + 10¢
- Key-in transaction 3.5% + 15¢
- Online payments 2.9% + 30¢
24/7 customer support
We’re there to support your business day and night with industry-leading support. A real person is always available to answer your questions at no additional cost.
Everyday Funding
Improve cash flow with industry-leading funding, available 7 days a week, with no daily funding limits.
Get started with an initial deposit of $100
Business Essentials lets you manage your cash flow, accept mobile payments and gives you the tools to help you manage your business.
Let us help you find the right business checking account.
Compare business checking accounts.
Get an in-depth look at the finer details of all our business checking accounts, side by side.
Get a business checking account recommendation.
Simply answer a few questions to see which business checking account may meet your needs.
Switch to a U.S. Bank business checking account.
Our EZ Switch Kit makes switching to your new U.S. Bank business checking account seamless.
Frequently asked questions
With minimal or no monthly hardware and software fees, your business can hit the ground running. All credit and debit card transactions have a low-rate dependent upon whether the card is swiped, dipped, tapped, manually keyed in or accepted online, as mentioned above.
Having a business checking account offers several benefits and is considered essential for managing your business finances effectively, including keeping your personal and business finances separate, and allowing you to track your business expenses, making it easier to monitor your financial health.
Having a business checking account with a positive transaction history can also contribute to building a strong credit profile for your business and help you when it comes time to apply for a business loan or line of credit.
The best business checking account depends on your business banking needs. If you conduct most of your business online and need the ability to accept mobile payments, the Business Essentials Checking package is ideal. We can help you find the right business checking account to meet your needs by answering a few short questions.
Depending on the business checking account you choose, it could be $0. U.S. Bank Business Essentials Checking is a free business checking account for those who qualify. We also offer other business checking packages with multiple ways to have the monthly account fee waived.