5 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® Open Account	$300-$500Expires July 17, 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.	Open Account
U.S. Bank Business Essentials Account Open Account	$500Expires June 30, 2025 More Info Earn your $500 Business Checking bonus by opening a new U.S. Bank Business Essentials account between 4/03/2025 and 6/30/2025. 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
Axos Basic Business Checking Account Open Account	Up to $400Expires September 30, 2025 More Info Open a business checking account by September 30 and get up to $400 when you use promo code NEW400 on your application.*	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	$100-$1,000Expires June 9, 2025 More Info Earn up to $1,000 when you open a qualifying account and deposit the required amount ($2,000-$20,000). Maintain your deposit and account for the required time frames.	Open Account

Compare Chase Ink Business Credit Cards

Credit Card	Intro Bonus	Annual Fee	Rewards Rate	Learn More
Ink Business Unlimited® Credit Card Apply Now Rates and Fees	$750Cash Bonus More Info Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.	$0	1.5%Cashback More Info Earn unlimited 1.5% cash back on every purchase made for your business. The advertised rewards type is cash back, but it’s important to note that you’re technically earning Chase Ultimate Rewards points (which can then be converted to cash back).	Apply Now Rates and Fees
Ink Business Cash® Credit Card Apply Now Rates and Fees	$750Cash Bonus More Info Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening	$0	1% - 5%Cashback More Info Earn 5% cash back on your first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. It also offers you 2% cash back on your first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.	Apply Now Rates and Fees
Ink Business Preferred® Credit Card Apply Now Rates and Fees	90,000Chase Ultimate Rewards Points More Info Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Dollar Equivalent: $1,890 (90,000 Chase Ultimate Rewards Points * 0.021 base)	$95 More info This fee includes extra cards for authorized users, such as employees, at no additional charge.	1x - 3xPoints More Info Earn 3x points on the first $150,000 of combined spending in a number of key business categories	Apply Now Rates and Fees
Ink Business Premier® Credit Card Apply Now Rates and Fees	$1,000Cash Bonus More Info Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.	$195	Up to 2.5%Cashback More Info Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.	Apply Now Rates and Fees

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: July 17, 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 Essentials Account: $500 Offer

U.S. Bank (Member FDIC) offers new U.S. Bank Business Essentials customers the chance to earn a $500 bonus with qualifying activities.

Offer: $500
Offer expiration: June 30, 2025
How to get the offer:

Earn your $500 Business Checking bonus by opening a new U.S. Bank Business Essentials account between 4/03/2025 and 6/30/2025. 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.

^{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. 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 Essentials® Pricing Information Document for a list of fees.}

^{Bonus will be deposited into your new U.S. Bank Business Essentials 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 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}

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 $400 Bonus Offer

Axos Bank is an online-only bank that offers a variety of business checking and savings accounts. If you open one of the bank's business checking accounts, you can earn up to $400 by meeting certain requirements.*

The bank is offering up to $400, paid out in $75-$100 increments. While this promotion is available during the first five statement cycles from account opening, you can only earn a bonus in a maximum of four statement cycles.

Note that you'll need to use promotional code NEW400 when you open your account.

When you'll get your bonus:

Bonus offer: Up to $400
Offer expiration: September 30, 2025
How to qualify:*
- Open a new account through the Axos website and use code NEW400.
- Fund your new account within 60 days and keep the average daily balance in your account at $25,000 or greater. You'll earn $75 for each statement cycle in which your average daily balance is between $25,000 and $49,999.99, or $100 for each statement cycle in which your average daily balance is above $50,000.
- In both cases, you'll also need to complete 10 point-of-sale transactions per month using your Small Business Checking Visa® Debit Card for signature-based purchases (minimum $3/transaction), and have bill pay set up and connected to your business checking account to be eligible for the bonus.
- Finally, keep your account open and in good standing for at least 120 days.
Qualifying transactions: None
When you'll get your bonus: Once you’ve met the requirements, the bonus will be deposited into your account within 10 business days of your statement cycle date.

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 $400Expires September 30, 2025 More Info Open a business checking account by September 30 and get up to $400 when you use promo code NEW400 on your application.*	N/A	$0	Open Account
Axos Business Interest Checking Open Account	Up to $400Expires September 30, 2025 More Info Start growing your business and get up to $400 when you open a Business Interest Checking account by September 30. Just use promo code NEW400 on your application.**	$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.

*Disclosure

^{To be eligible to earn all or a portion of the cash incentive as part of the promotional offer "NEW400," an application for a Basic Business Checking account or a Business Interest Checking account must be submitted between 05/09/2024 at 12:00 am PT and 8/1/2024 at 11:59 pm PT. Axos Bank reserves the right to limit each primary account holder or business title to one (1) checking account promotional offer per year. Axos Bank or Axos Bank for Nationwide checking customers or Businesses that have held an Axos Bank or UFB or Axos Bank for Nationwide checking or savings account in the past 12 months under the same title are not eligible for this offer. Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After initial requirements above are met, the amount of incentive earned will depend on meeting the additional requirements outlined below:}

^{Small Business Checking bonus up to $400: You must be approved for your new Basic Business Checking or Business Interest Checking account and fund it within 30 days of account opening. An incentive of up to $400 can be earned during the first five (5) statement cycles. A statement cycle is a calendar month consisting of at least one day your account was open during that month. You can earn a maximum of four (4) payouts during the five (5) statement cycles, and the incentive will be deposited into the qualifying account within 10 business days following the end of the statement cycle in which the balance requirement was met.}

^{$75 will be earned for each statement cycle, up to $300 when you meet three requirements: 1) the average daily balance in your Basic Business Checking account or Business Interest Checking Account is between $25,000 and $49,999.99, 2) you have completed ten (10) point-of-sale transactions per month using your Small Business Checking Visa® Debit Card for signature-based purchases with a minimum of $3 per transaction, 3) You must also have bill pay set up and connected to your Basic Business Checking account or Business Interest Checking account. The bill pay transaction minimum is $10.}
^{$100 will be earned for each statement cycle, up to $400 when you meet three requirements : 1) the average daily balance in your Basic Business Checking account or Business Interest Checking Account is greater than $50,000, 2) you have completed ten (10) point-of-sale transactions per month using your Small Business Checking Visa® Debit Card for signature-based purchases with a minimum of $3 per transaction, 3) You must also have bill pay set up and connected to your Basic Business Checking account or Business Interest Checking account. The bill pay transaction minimum is $10.}

^{Your Small Business Checking account must remain open and in good standing at the time the incentive is paid to be eligible. Furthermore, your Small Business Checking account must remain open for 150 days, or an early closure fee of up to $400 may apply.}

American Express® Business Checking: 30,000 Point Offer

American Express launched its business checking account shortly after it acquired Kabbage. The account offers a 1.30%¹ 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 deposit $5,000 within 30 days of opening your account and maintain that balance for 60 days while making five or more qualifying transactions during that time.

Bonus offer: 30,000 Membership Rewards points. 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.

¹1.30%- Effective October 12th, 2022

Huntington Bank Business Checking Accounts: $100-$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: $100-$1,000
Offer expiration: June 9, 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:
- Business Checking 100: Deposit $2,000 to earn a $100 bonus
- 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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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.

5 Best Business Bank Account Bonuses and Promotions (2025)

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