6 Best Business Bank Account Bonuses and Promotions ([current

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As a small business owner, having a business bank account is a crucial step in separating your business and personal expenses, and it can add legitimacy for newer startups looking for financing. But as you consider account features, such as how many free transactions you get, how they integrate with accounting software and whether you get ATM fee refunds, it's also a good idea to search for accounts that offer bonuses for new account holders.

Bank sign-up bonuses incentivize business owners to sign up and start using their accounts, but the amounts and requirements can vary. While bank account bonuses aren't as plentiful for small businesses as they are for consumers, there are still a handful of options available nationwide and in select states.

Best Business Bank Bonuses and Promotions

Business bank account bonuses can be a great way to earn some cash while you're trying out a new account. That said, it generally takes some effort, and some banks require more than others to earn the cash. This is especially true if you want to take multiple bank accounts for a trial run.

Here are some of the best bank account bonuses that are out there currently and what you need to do to earn them.

Bank	Bonus	Get Started
Chase Business Complete Checking®	$300-$500Expires October 16, 2025 More Info Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.	This product is currently not available via Slickdeals. All information about this product was collected by Slickdeals and has not been reviewed by the issuer.
U.S. Bank Business Essentials Account Open Account	$400Expires January 14, 2026 More Info Earn your $400 Business Checking bonus by opening a new U.S. Bank Business Essentials account between 10/01/2025 and 1/14/2026. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.	Open Account
U.S. Bank Platinum Business Checking Account Open Account	$1,200Expires January 14, 2026 More Info Earn your $1,200 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking account between 10/01/2025 and 1/14/2026. You must make deposit(s) of at least $25,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $25,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.	Open Account
Axos Business Premium Savings Account Open Account	$600Expires June 30, 2026 More Info Unlock a bonus up to $600 with Business Premium Savings when you bundle it with the Basic Business Checking account. Use promo code SBB600.†	Open Account
American Express® Business Checking Get Started	30,000 Membership Rewards points More Info Deposit $5,000 within 30 days (Eligible deposits are any deposits except deposits using our Redeem for Deposits feature, deposits from interest payments, and deposits from any other American Express Business Checking accounts) and maintain an average balance of $5,000 for 60 days and make 5 or more qualifying transactions within 60 days. Qualifying transactions are mobile deposits, check deposits by mail, and electronic/online transactions including ACH, Wire, and Bill Payments. Business Debit Card transactions and deposits using our Redeem for Deposits feature are not qualifying transactions. You can convert Membership Rewards® points into deposits directly into your American Express® Business Checking account.	Get Started
Huntington Business Checking Accounts Open Account	$400-$1,000Expires October 19, 2025 More Info Earn up to $1,000 when you open a qualifying account and deposit the required amount ($5,000-$20,000). Maintain your deposit and account for the required time frames.	Open Account

Chase Business Complete Checking®: $300-$500 Bonus Offer

Chase Business Complete Checking is the bank's flagship business checking account, and it offers all of the benefits you'd expect from one of the largest banks in the U.S.

Qualifying for its bonus isn’t difficult, but there are a series of qualifying activities you’ll need to complete to be eligible. Our full review details everything you need to know about Chase Business Complete Checking.

Bonus offer: $300-$500
Offer expiration: October 16, 2025

How to Get the Bonus:

Open an account: You'll need to be a new Chase business checking customer and open new Chase Business Complete Checking account online or at a branch. You'll need a coupon code to access your offer.
Fund your account: Deposit $2,000 or more of new money within the first 30 days of coupon enrollment. The new money cannot be existing deposits at Chase or its affiliates. Your new money deposit amount will be determined in the following manner at 30 days from offer enrollment:
- To qualify for a $300 bonus, fund with $2,000 - $9,999
- To qualify for a $500 bonus, fund with $10,000 or more
Maintain the new money balance: Maintain a balance of at least $2,000 for at least 60 days from the offer enrollment to qualify for the $300 bonus; maintain a balance of at least $10,000 for at least 60 days from the offer enrollment to qualify for the $500 bonus. If new money deposit amount decreases below the threshold during the 60-day period, your offer amount may change or your checking account may no longer qualify for the offer.
Complete five qualifying transactions: You will also need to complete at least five “qualifying transactions” within the first 90 days of opening your Chase business checking account. Qualifying transactions may include any of the following:
- Debit card purchases
- Chase QuickDeposit^SM (Make mobile check deposits through the Chase Mobile app)
- Chase QuickAccept® deposits (Accept credit card payments through the Chase Mobile app)
- ACH credits (Additional service fees of $25 per month for up to 25 payments may apply)
- Wire transfers (Both credits and debits)
- Chase Online^SM Bill Pay

When you'll get your bonus: Your bonus will be deposited into your new account within 15 days after you have completed all the above checking requirements.

U.S. Bank Business Checking Accounts: Up to $1,200 Offer

U.S. Bank (Member FDIC) offers new Business Checking customers the chance to earn a bonus worth up to $1,200 with qualifying activities.

Offer: $400-$1,200
Offer expiration: January 14, 2026
How to get the offer:

Qualifying U.S. Bank Business Checking Accounts

Account	Intro Bonus	Monthly maintenance fee	Learn More
U.S. Bank Business Essentials Account Open Account	$400Expires January 14, 2026 More Info Earn your $400 Business Checking bonus by opening a new U.S. Bank Business Essentials account between 10/01/2025 and 1/14/2026. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.	$0	Open Account
U.S. Bank Platinum Business Checking Account Open Account	$1,200Expires January 14, 2026 More Info Earn your $1,200 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking account between 10/01/2025 and 1/14/2026. You must make deposit(s) of at least $25,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $25,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.	$30 with option to waive More Info You can waive this account's monthly maintenance fee with one of the following: $25,000 average collected checking balance or $75,000 combined average collected business deposits and outstanding business credit balances.	Open Account

Here’s how to earn U.S. Bank's Business Checking offer

Promo code Q4AFL25 MUST be used when opening a U.S. Bank Business Essentials®, or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.

Bonus Options

Earn your $400 Business Checking bonus by opening a new U.S. Bank Business Essentials account between 10/01/2025 and 1/14/2026. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.

Earn your $1,200 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking account between 10/01/2025 and 1/14/2026. You must make deposit(s) of at least $25,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $25,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.

^{^{Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay or payment received via U.S. Bank Payment Solutions. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.}}

^{^{New money is considered money that is new to U.S. Bank. Funds must come from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials Pricing Information Document for a list of fees.}}

^{^{Bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.}}

^{^{Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.}}

^{^{All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials Pricing Information and YDAA disclosure. These documents can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.}}

^{^{Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.}}

^{^{Member FDIC.}}

Who qualifies: To qualify for this offer, you must be a new U.S. Banking customer
When you'll get the offer: The bonus will be deposited into your account within 30 days following the last calendar day of the month you complete all the offer requirements, as long as the account is open and has a positive available balance.

Axos Bank: Up to $600 Bonus Offer

Axos Bank is an online-only bank that offers a variety of business checking and savings accounts. If you open the Business Premium Savings account and a Basic Business Checking account through a single application, you can earn up to $600 by meeting certain requirements.*

The bank is offering up to $600, paid out in $100 increments. While this promotion is available during the first seven statement cycles from account opening, you can only earn a bonus in a maximum of six statement cycles.

Note that you'll need to use promotional code SBB600 when you open your account.

When you'll get your bonus:

Bonus offer: Up to $600
Offer expiration: June 30, 2026
How to qualify:*
- Become a new Axos business customer in the promotion period.
- Open a new Business Premium Savings account and a Basic Business Checking account through the Axos website and use code SBB600.
- Deposit $1,000 or more (via ACH, check, or wire) into your Basic Business Checking account from an external source during each bonus eligible statement cycle.
- Use the debit card tied to your Basic Business Checking account to make two or more approved purchases of $50 or more per transaction.
- Maintain an average daily balance of at least $1,500 in the Basic Business Checking account.
- Maintain an average daily balance of at least $50,000 in the Business Premium Savings account.
- Finally, keep your account open and in good standing for at least 180 days.
When you'll get your bonus: Once you’ve met the requirements, the $100 credit will be paid within the first 15 business days following the end of the statement cycle.

*Disclosure

†Axos Small Business Banking customers can earn up to $600 through the Axos Small Business Banking Cash Bonus Promotion. Promotional terms and conditions are subject to change or removal without notice.

Axos Small Business Banking Cash Bonus Promotion Terms The following terms and conditions (the “Terms”) apply to the Axos Small Business Banking Cash Bonus Promotion, which allows eligible businesses (as defined below) to earn up to $600 on their Basic Business Checking account over 6 statement cycles after account opening by completing the required actions described below.
Promotion Period: October 9th, 2025 at 12:00 a.m. E.T. – June 30, 2026 at 11:59 p.m. E.T.

Who is eligible for the Cash Bonus Promotion?
To be eligible to qualify for the Cash Bonus Promotion, a business must:
·               Become a new Axos business customer in the Promotion Period (10/9/2025 – 6/30/2026)
·               Apply and be approved for a Business Premium Savings account AND a Basic Business Checking account through a single application (bundle)
·               Enter the promo code (SBB600) in the Business Premium Savings / Basic Business Checking application
·               Not have qualified for any part of this, or another, Axos promotion on any account(s) within the last 12 months as of the date that the bundled accounts were opened
Businesses who have opened an Axos Small Business Banking account prior to the Promotion Period are not eligible for the Cash Bonus Promotion. Eligible businesses must complete the qualifying activities described below in each Statement Cycle in order to receive the cash bonus in that Statement Cycle.
What qualifying activities do I need to complete to earn the cash bonus?

To qualify for each cash bonus during an eligible Statement Cycle, an eligible business must meet the following requirements in each Qualification Period:
·               Deposit $1,000 or more (via ACH, check, or wire) into their Basic Business Checking account from an external source
·               Use the debit card associated with their Basic Business Checking account to make 2 or more approved purchases of at least $50 for each transaction
·               Maintain an average daily balance of at least $1,500 in the Basic Business Checking account
·               Maintain an average daily balance of at least $50,000 in the Business Premium Savings account

The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the Cash Bonus starting in the following month.

Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.

Both accounts must be in an open and active status on the 25th of the month and on the date the Cash Bonus is paid to receive the Cash Bonus for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the Cash Bonus for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.

Additional Important Terms for the Axos Small Business Banking Cash Bonus Promotion
A business is eligible to qualify in the first 7 statement cycles after eligible accounts are opened.
An eligible business can qualify for the Cash Bonus for a maximum of 6 statement cycles.
If an eligible business meets the qualifications during the Qualification Period within a Statement Cycle, a payment of $100 will be credited to their Basic Business Checking account.
This $100 credit will be paid within the first 15 business days following the end of the Statement Cycle in which the eligible business qualified.

An eligible business can earn up to $600 in cash bonuses throughout the entirety of this promotion.
Only one promotional offer may apply to a business at any time. The Cash Bonus Promotion may not be combined with other promotional offers.

Promotion is non-transferable and limited to one account per business. Any subsequent accounts opened by the business will not be eligible for the Cash Bonus Promo.

Axos reserves the right to modify, suspend, or terminate the Promotion at any time without notice.
Standard rates are variable and subject to change at any time. Fees may reduce earnings. For current rates and additional disclosures, please see:
https://www.axosbank.com/business
https://www.axosbank.com/legal/disclosures

Axos Business Checking and Savings Accounts to Consider

Account	Intro Bonus	Minimum deposit required	Monthly maintenance fee	Learn More
Axos Basic Business Checking Account Open Account	Up to $200Expires June 30, 2026 More Info Open a business checking account by June 30, 2026 and get up to $200 when you use promo code START200 on your application.*	N/A	$0	Open Account
Axos Business Interest Checking Open Account	N/A	$100	$10 with options to waive More Info This account's monthly maintenance fee is waived for customers whose average daily balance is $5,000 or greater.	Open Account
Axos Business Savings Account	$0	$1,000	$5 with option to waive More Info This account's monthly maintenance fee is waived for customers whose average daily balance is $2,500 or greater.	This product is currently not available via Slickdeals. All information about this product was collected by Slickdeals and has not been reviewed by the issuer.

American Express® Business Checking: Earn 30,000 Membership Rewards Points¹

This account offers a 1.30%² APY on balances of up to $500,000, which is impressive. When you sign up, you'll receive 30,000 Membership Rewards^® points after you complete qualifying activities. American Express Business Checking offers businesses a fully digital account with no monthly fees. If approved for an account, customers will be able to link an existing bank account, deposit funds, and begin making transactions³.

Bonus offer: Earn 30,000 Membership Rewards points after qualifying activities. You can convert Membership Rewards points into deposits directly into your American Express Business Checking account.
Offer expiration: Not listed
How to get your bonus:
- 1) Deposit a total of $5,000 or more in eligible deposits within 30 days of opening
- your first account, AND
  - Eligible deposits are any deposits except deposits using our Redeem for Deposits feature, deposits from interest payments, and deposits from any other American Express Business Checking accounts.
- 2) Maintain an average account balance of $5,000 for the next 60 days, AND
- 3) Make 5 or more qualifying transactions within 60 days of opening your account
Qualifying transactions: Qualifying transactions are mobile deposits, check deposits by mail, and electronic/online transactions including ACH, Wire, and Bill Payments. Business Debit Card transactions and deposits using our Redeem for Deposits feature are not qualifying transactions.
When you'll get your bonus: Once you’ve met the requirements, the bonus will be deposited into your account within 8-12 weeks

Accounts offered by American Express National Bank. Member FDIC.

¹Earn 30,000 Membership Rewards® points after qualifying activities. Must also make clear that the following criteria must be met to earn the 30,000 Membership Rewards® points: (1) Deposit a total of $5,000 or more in eligible deposits within 30 days of opening your first account, AND Eligible deposits are any deposits except deposits using our Redeem for Deposits feature, deposits from interest payments, and deposits from any other American Express Business Checking accounts. (2) Maintain an average account balance of $5,000 for the next 60 days, AND (3) Make 5 or more qualifying transactions within 60 days of opening your account. Qualifying transactions are mobile deposits, check deposits by mail, and electronic/online transactions including ACH, Wire, and Bill Payments. Business Debit Card transactions and deposits using our Redeem for Deposits feature are not qualifying transactions.

²APY to be earned on account balances ≤ $500,000. No interest is earned on account balances over $500,000. APY is subject to change at any time without notice before and after a Business Checking Account is opened. Effective October 12th, 2022

³American Express is currently accepting applications from eligible U.S. businesses. Not all applicants will be approved for a Business Checking account. Select industries or businesses engaged in certain activities are currently ineligible, such as money service businesses, cryptocurrency, internet gambling businesses, and marijuana related business.

Huntington Bank Business Checking Accounts: $400-$1,000 Bonus Offers

With three business checking options, Huntington Bank offers a range of accounts that could fit the needs of startups, small businesses and larger companies. New customers can earn a bonus for a limited time by opening an eligible account and meeting a handful of requirements. (These offers are only available to residents of Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia and Wisconsin.)

Bonus offer: $400-$1,000
Offer expiration: October 19, 2025
How to get your bonus:
- Open a new account online or in-branch
- Open an eligible business checking account and deposit new money that meets the account’s bonus requirement (within 30 or 60 days of account opening, depending on account).
- You will also need to maintain that balance for 90 days.
When you get it: The bank will send your bonus within 14 days of meeting requirements
Eligible Huntington business accounts:
- Unlimited Business Checking: Deposit $5,000 to earn a $400 bonus
- Unlimited Plus Business Checking: Deposit $20,000 to earn a $1,000 bonus

START HERE

How to Pick the Right Business Bank Bonus

Business bank account bonuses can provide you with cash you can use to build your business, but it's crucial to read the fine print before you sign up. Here are some tips to help you compare and qualify for bank bonuses:

Read the fine print: Some bonus requirements are very specific.You may even want to take screenshots of the terms and conditions to refer back to later, especially if the bonus is set to expire before your qualifying period ends.
Review the bonus timing: Many banks require you to keep your account open for a set period of time. If you cancel too early, you could lose the bonus even if you've already transferred it out of your account.
Report your bonus to the IRS: Bank account bonuses typically get reported to the IRS as interest income, so expect to receive a 1099 form at the start of tax season. You'll need to report this income when you file your tax return.
Figure out if you qualify: Consider which bonuses have requirements you can easily meet. For example, if you sign up for an account that requires you to maintain a minimum balance for a few months, make sure you won't need that money during that time.
Watch out for fees: Check if your new account will have monthly or other service fees that will eat into the value of your bonus and potentially make the account not worth your time.

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*Disclosure

To be eligible to earn all or a portion of the $200 cash incentive under this promotional offer, a Basic Business Checking account application with the promotional code "START200" must be submitted between 01/30/2025 at 12:00 am PT and 6/30/2026 at 11:59 pm PT. You must be approved for your new Basic Business Checking account and fund the account within 60 days to avoid automatic closure. Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC or 1099-INT. Consult your tax advisor. After initial requirements above are met, the amount of incentive earned will depend on meeting the additional requirements outlined below.

To earn up to a maximum of $200, a $50 payout can be earned in any four (4) of the first five (5) statement cycles (calendar months), including the cycle during which the account is opened. To earn each $50 cash incentive, the average daily balance in your Basic Business Checking account must be at least $3,000 for that statement cycle. The incentive will be deposited into your Basic Business Checking account within 10 business days following the end of the statement cycle during which the balance requirement was met, as long as the account is open and in good standing. The Basic Business Checking account must remain open for 180 days or an early closure fee of up to $200 may apply.

This promotion is only available to new Axos Small Business customers who:

Established their business less than one (1) calendar year from the date of application submission. Proof of formation date may be verified via the Secretary of State or Business Formation documents.
Have not held primary ownership of any Axos Small Business Banking account at any time.

This offer cannot be combined with any other new Axos Small Business account introductory incentive/bonus offer unless otherwise expressly stated in the conditions of that offer.

Ben Luthi

Ben Luthi is a personal finance and travel writer and credit card expert. He has a degree in finance from Brigham Young University and worked in financial planning, banking and auto finance before writing full-time for NerdWallet and Student Loan Hero. Ben is now a full-time freelance writer and enjoys traveling and spending time with his two kids. His work has appeared in several publications, including U.S. News & World Report, USA Today, Money, Success and Slickdeals.

6 Best Business Bank Account Bonuses and Promotions (2025)

Best Business Bank Bonuses and Promotions

Chase Business Complete Checking®: $300-$500 Bonus Offer

Chase Business Complete Checking®

Overview

Pros

Cons

U.S. Bank Business Checking Accounts: Up to $1,200 Offer

Qualifying U.S. Bank Business Checking Accounts

Axos Bank: Up to $600 Bonus Offer

Axos Business Premium Savings Account

Overview

Pros

Cons

*Disclosure

Axos Business Checking and Savings Accounts to Consider

American Express® Business Checking: Earn 30,000 Membership Rewards Points1

American Express® Business Checking

Pros

Cons

Huntington Bank Business Checking Accounts: $400-$1,000 Bonus Offers

How to Pick the Right Business Bank Bonus

Best Business Credit Cards

*Disclosure

Ben Luthi

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