5 Best Business Bank Account Bonuses and Promotions (2025)

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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 various 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
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
Chase Business Complete Checking® Open Account	$300-$500Expires April 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
Axos Basic Business Checking Account Open Account	Up to $200Expires August 31, 2023 More Info Open a business checking account by Aug. 31 and get up to $200 when you use promo code NEWSBC on your application and maintain a minimum average daily balance of $10,000.	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: April 17, 2025
• How to get your bonus:
  • Open an account through this partner link
  • Open and fund a new account with at least $2,000 within the first 30 days from account opening to qualify for a $300 bonus
  • Maintain at least a $2,000 balance for 60 days
  • Complete at least five qualifying transactions within the first 90 days of opening your account.
• Qualifying transactions: Qualifying activities include debit card purchases, Chase QuickDeposit, Chase QuickAccept Deposits, ACH credits, Chase Online Bill Pay and wire transfers
• 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.

Chase Business Complete Checking®

Open Account

at Chase

• Our Rating 5/5 How our ratings work
• APYN/A
• Minimum
  Deposit RequiredN/A
• Intro Bonus $300-$500Expires April 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.

The Chase Business Complete Checking® account is an attractive option. It offers the convenience of one of the largest financial institutions in the country, and it frequently offers bonuses that are relatively easy to earn. While it does not allow you to accrue interest on your funds like some other popular small business checking accounts, it's still very much worth considering if you can meet the requirements to waive its monthly fees.

• Overview
• Pros & Cons

Overview

The Chase Business Complete Checking® account comes loaded with a valuable sign-up bonus and an assortment of helpful perks, so long as you can meet the requirements to waive its monthly fees. It’s a good fit for many business checking customers, regardless of business size.

Pros

• Generous sign-up bonus
• Several options to waive monthly fee
• Same-day deposits using QuickAccept℠ service
• Huge network of in-person branches and ATMs

Cons

• Monthly maintenance fee
• Overdraft fees are relatively high
• Limit on fee-free cash deposits and physical transactions

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.

U.S. Bank Business Essentials Account

Open Account

at U.S. Bank

• Our Rating 4.5/5 How our ratings work
• APYN/A
• Minimum
  Deposit Required$100
• Intro Bonus $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.

We appreciate that the U.S. Bank Business Essentials Account includes a free mobile card reader and unlimited digital transactions. Plus, the welcome bonus it offers new customers is undeniably generous. This account can help streamline many common business banking considerations, and its lack of software or maintenance fees helps keep it accessible to the average business owner.

• Overview
• Pros & Cons

Overview

The U.S. Bank Business Essentials account offers a valuable checking account coupled with payment acceptance tools, allowing for convenient, end-to-end management of your funds. This account offers unlimited digital transactions, as well as 25 free teller and paper transactions per statement cycle. Plus, it also comes with a free mobile card reader, with the option to purchase additional card readers or rent handheld payment processor terminals.

Pros

• Strong welcome offer
• No monthly maintenance fee
• Robust online banking options

Cons

• Account not available nationwide

^{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: August 31, 2023
• 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

*Disclosure

^{To be eligible to earn all or a portion of the cash incentive as part of the promotional offer "NEWSBC," an application for a Basic Business Checking or Business Interest Checking account must be submitted between 07/19/2023 at 12:00 am PT and 08/31/2023 at 11:59 pm PT. Axos Bank reserves the right to limit each primary account holder to one (1) checking account promotional offer per year. Customers who have held primary ownership of an Axos Bank or UFB or Axos Bank for Nationwide checking or savings account in the past 12 months 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 $100 and $200: You must be approved for your new Small Business Checking account and fund it within 60 days of account opening. An incentive of up to $200 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. $25 will be earned for each statement cycle during which the average daily balance in your Small Business Checking account is between $5,000 and $9,999.99. $50 will be earned for each statement cycle during which the average daily balance in your Small Business Checking account is a minimum of $10,000 or greater. You can earn a maximum of four (4) payouts during the five (5) statement cycles, and the incentive will be deposited into your Small Business Checking account within 10 business days following the end of the statement cycle in which the balance requirement was met. 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 120 days, or an early closure fee of up to $200 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% APY on balances of up to $500,000, which is impressive. When you sign up, you'll receive 50,000 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
• Offer expiration: Not listed
• How to get your bonus:
  • Open a new account through the American Express website
  • Deposit $5,000 within 30 days and maintain an average balance of $5,000 for 60 days and make 5 or more qualifying transactions within 60 days
• Qualifying transactions: Make at least five qualifying transactions within 60 days, including mobile deposits, ACH transfers, wire transfers and bill payments
• When you'll get your bonus: Once you’ve met the requirements, the bonus will be deposited into your account within 8-12 weeks

Learn More

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: April 30, 2024
• 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

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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