Business banking solutions

Get the advantage of business banking solutions from U.S. Bank.

Checking and savings

Gold Business Checking Package

This checking package is a good option for growing businesses with moderate transaction activity. Key benefits include:

  • A waiver of the $20 Monthly Maintenance Fee for new accounts opened on or after February 12, 20261, 2
  • 350 free transactions per statement cycle3
  • 125 free cash deposits per statement cycle4
  • 50% off first check order up to $1005

See other checking and savings options:

Lending

Secured Quick Loan​

This loan is for working capital, equipment, building improvements and more. Key benefits include:

  • Loan amounts from $5,000 to $250,0006 with a fixed interest rate
  • Loans secured with general purpose assets
  • Flexible terms available up to 84 months7 with $0 origination fee

Unsecured Cash Flow Manager

This line of credit offers competitive variable interest rates with a fixed rate option on existing balances. Key benefits include:

  • Line amounts from $10,000 to $100,000
  • No collateral required
  • No annual fee on line amounts greater than $50,000, otherwise $150

See other lending options

Payments

Payment Solutions

Accept payments in person, online or on the go with U.S. Bank Payment Solutions. Key benefits include:

  • Accept all major credit cards, Apple Pay® and Google Pay®.
  • Get transparent pricing and avoid long-term contracts.
  • Get paid daily for your transactions with industry-leading Everyday Funding8, available 7 days a week within hours of batch closing.

Cash management

SinglePoint® Essentials

It’s your one stop for managing your business checking activity. Key benefits include:

  • Initiate payments between U.S. Bank accounts and external accounts.9
  • View account balances and access transaction details for your accounts and business credit cards with one tool.

See other cash management options.

Remote Deposit Capture (RDC)

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Disclosures

  2. Monthly Maintenance Fee Waiver Options:

    Gold Business Checking: U.S. Bank Payment Solutions or $10,000 average collected account balance or $20,000 combined average collected balances across all U.S. Bank business deposit accounts or $50,000 combined average collected balances and outstanding credit balances. Gold interest-bearing account available with fee waiver options of $25,000/$50,000/$75,000 average collected balances. Contact the Alliance Business Banker team at 800-685-5015 for details.

    Platinum Business Checking: U.S. Bank Payment Solutions or $25,000 average collected account balance or $75,000 combined average collected balances across all U.S. Bank business deposit accounts and outstanding business credit balances.

  3. 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.

  4. 125 free cash deposit units per statement cycle. Cash deposit units are calculated by dividing each cash deposit amount by 100 and rounding the resulting value to a whole number. To determine rounding, less than $0.50/$50 is rounded down and more than or equal to $0.50/$50 is rounded up. Any deposit less than $150 equals one unit. Examples: $782.00 equals 8 units, $440.52 equals 4 units. Cash unit allowance applicable to all cash deposits in branch and through U.S. Bank partner ATMs, cash unit allowance not applicable to Cash Vault product. After free units per statement cycle the fee is $0.35 per unit.

  5. Discount applies to business products offered by Deluxe Corporation™. Discount does not apply to eChecks. The offer can be used in online or mobile banking, at a branch or by calling Deluxe. Additional sales tax and shipping fees may apply. Discounts are as follows:


    • Silver Business Checking Account Package: 50% off first order up to $50
    • Gold Business Checking Account Package: 50% off first order up to $100
    • Platinum Business Checking Account Package: 50% off first order up to $100
    • Business Essentials: 50% off first order up to $50

  6. U.S. Bank will file a UCC-1 lien and must be in first lien position using all business assets as collateral.

  7. 84 month terms available for loans over $100,000.

  8. Everyday Funding is available at no additional charge to U.S. Bank Payment Solutions merchants with a U.S. Bank Business Checking account. Funding speed is dependent on batch times and will be processed every day, including weekends and holidays. Activation may take between three to five business days from date of Everyday Funding service request. Once the file is activated, there will be a change in the description of the payment when it is posted to your bank account.

  9. A dedicated U.S. Bank business checking account is required to use SinglePoint Essentials.

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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 are subject to normal credit approval and program guidelines. Some restrictions and fees may apply.

Financing maximums and terms are determined by borrower qualifications and use of funds.

U.S. Bank and SinglePoint are registered trademarks of U.S. Bank National Association.

State Farm and the State Farm logo are registered trademarks of State Farm Mutual Automobile Insurance Company. 

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