U.S. Bank has unveiled U.S. Bank Payroll, a new embedded solution designed to streamline payroll management for small business owners directly within their online banking platform. This innovative tool addresses the growing demand for integrated digital solutions, enabling seamless management of payroll, banking, and payments, ultimately saving time and reducing complexity for business owners.
U.S. Bank Payroll integrates payroll into its online banking platform.
Offers time-saving tools for simplified payroll tasks and tax compliance.
Enables payroll processing in as little as two business days.
Features secure access with industry-standard encryption and fraud protection.
80% of small business owners seek digital payroll solutions, per U.S. Bank survey.
Partners with Gusto to enhance payroll, HR, and benefits capabilities.
U.S. Bank Payroll allows small business owners to manage payroll alongside banking and payments within a unified online dashboard. This all-in-one experience eliminates the need for multiple disconnected tools, addressing a key pain point identified in a U.S. Bank survey where 80% of 1,000 small business owners expressed the need for digital payroll solutions. “With U.S. Bank Payroll, we are making it easier for owners to manage their business,” said Shruti Patel, Chief Product Officer, Business Banking, at U.S. Bank.
The solution offers time-saving technology that simplifies complex payroll tasks, such as automated tax compliance to reduce errors and penalties. Owners can pay employees via ACH or check, with the flexibility to process payroll just two business days before pay dates—faster than the industry standard of four days. “As small business owners use more software to run their operations, many are juggling multiple unconnected solutions which cost them excess time and money,” Patel noted, highlighting the platform’s streamlined approach.
U.S. Bank Payroll ensures secure access with industry-standard encryption and fraud protection, providing peace of mind for business owners. The onboarding process is user-friendly, allowing existing clients to activate the tool in just a few clicks. This ease of adoption, combined with robust security, makes the platform a reliable choice for small businesses managing sensitive financial data.
The solution is powered by a partnership with Gusto, a leading fintech platform for payroll, HR, and benefits. “Through embedding Gusto’s payroll infrastructure directly into the U.S. Bank platform, we’re making it easier for small businesses to onboard, pay, and support their teams with confidence and compliance,” said Tomer London, Co-Founder and Chief Product Officer at Gusto. This collaboration enhances U.S. Bank’s ability to deliver scalable, innovative solutions to its 1.4 million small business clients.
U.S. Bank Payroll joins the bank’s suite of integrated tools, including bill pay, Business Essentials, and Spend Management solutions, reinforcing its commitment to simplifying financial operations for small businesses. By offering a cohesive platform backed by experienced bankers, U.S. Bank empowers small business owners to focus on growth with confidence.
U.S. Bancorp, with approximately 70,000 employees and $686 billion in assets as of June 30, 2025, is the parent company of U.S. Bank National Association. Headquartered in Minneapolis, the company serves millions of customers locally, nationally and globally through a diversified mix of businesses including consumer banking, business banking, commercial banking, institutional banking, payments and wealth management.
TechIntelPro empowers B2B technology decision-makers with the latest industry trends, deep insights, leadership perspectives and actionable intelligence to drive both organizational and professional milestones—and thrive on the tech pulse.