We'll send an email letting you know the payment has been approved or rejected. You can also find the status of the ACH payment in digital banking. Secondary approval is only needed from one other owner.

To check the secondary approval status of an ACH payment using online banking

1. Select Transfer & pay at the top of the page, then choose External transfers, wires, & ACH.
2. Scroll to the “Past & current activity” section and select View or edit transfers.
   • If the payment is in the “Awaiting approval” section, a co-owner hasn’t completed the approval process. The message beside it will say “needs approval”.
   • If the payment is within the “Submitted” section, the payment was approved. The message beside it will say “co-owner approved”.

To check the secondary approval status of an ACH payment using the U.S. Bank Mobile App

1. Select Pay bills & transfer, then choose External transfers, wires, & ACH.
2. Scroll to the “Manage external transfers” section and select View or edit transfers.
   • If the payment is in the “Awaiting approval” section, a co-owner hasn’t completed the approval process. The message beside it will say “needs approval”.
   • If the payment is within the “Submitted” section, the payment was approved. The message beside it will say “co-owner approved”.

More information

• If your business has multiple owners, at least two of them need to be enrolled in digital banking to send an ACH payment.
• A second approval is required when businesses have more than one owner. This is so there's visibility of the payment or transaction for all account owners.
• You must have a registered cellular device on file for at least three business days to use this service. See also: How do I establish a registered cellular device on my profile?
• To grant approval, the co-owner must log into their business profile. See also: How do I grant secondary approval for small business ACH payments?
• Approval must be completed by 8 p.m. CT for same day payments, and within three business days for future-dated payments.

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.