U.S. Bank is offering some of the biggest business checking bonuses available right now. With up to $1,200 in welcome bonuses, these limited-time offers are worth a look—especially if you need a business banking upgrade before January 14, 2026.
U.S. Bank Business Promotions Reviewed
⏰ Offer expires January 14, 2026
Need a business account with more flexibility and higher limits? U.S. Bank is offering a $1,200 bonus when you open a Platinum Business Checking account—one of the largest checking bonuses available anywhere.
This offer is ideal for growing businesses or established operations looking for premium banking features, advanced treasury management tools, higher transaction limits, and priority service.
Promo Code:
Q4AFL25
Claim $1,200 Bonus →
View Requirements, Pros & Cons
Pros
- $1,200 bonus—one of the highest available
- 3,000+ branch locations in 26 states
- Advanced treasury management tools
- Higher transaction limits
- Priority customer service
- 24/7 support and digital tools
- FDIC insured
Cons
- $25,000 new money deposit required
- Must maintain balance for 60 days
- Monthly maintenance fee may apply
- Limited to 26 states
Bonus Requirements
Deposit Required
$25,000 new money
Deposit Deadline
Within 30 days
Transactions Required
5 within 60 days
Qualifying Transactions
Debit, ACH, wire, Zelle, mobile deposit, bill pay
Offer Expires
January 14, 2026
⏰ Offer expires January 14, 2026
Looking to give your business banking a boost without a huge deposit? U.S. Bank’s Business Essentials Checking offers a $400 bonus with just a $5,000 deposit requirement.
This account is a great fit for small business owners who want essential features without unnecessary fees. With U.S. Bank’s 24/7 support and digital tools, managing your cash flow becomes easier than ever.
Promo Code:
Q4AFL25
Claim $400 Bonus →
View Requirements, Pros & Cons
Pros
- $400 bonus with lower deposit requirement
- Only $5,000 deposit needed
- 3,000+ branch locations
- Great for small businesses and startups
- 24/7 customer support
- Full digital banking tools
- FDIC insured
Cons
- Lower bonus than Platinum ($400 vs $1,200)
- Must maintain balance for 60 days
- 5 transactions required in 60 days
- Limited to 26 states
Bonus Requirements
Deposit Required
$5,000 new money
Deposit Deadline
Within 30 days
Transactions Required
5 within 60 days
Qualifying Transactions
Debit, ACH, wire, Zelle, mobile deposit, bill pay
Offer Expires
January 14, 2026
How to Qualify for U.S. Bank Bonuses
Both the $400 and $1,200 bonuses follow the same basic process. Open your account online using promo code Q4AFL25, deposit the required new money (funds that aren’t already with U.S. Bank) within 30 days, and maintain that balance for 60 days.
You’ll also need to complete five qualifying transactions within the 60-day period. Qualifying transactions include debit card purchases, ACH transfers, wire transfers, Zelle activity, mobile check deposits, or bill payments. Most business owners will hit this requirement naturally through normal operations.
The key requirement is “new money”—the deposit must come from outside U.S. Bank. If you already have accounts there, transfers between your existing U.S. Bank accounts won’t count toward the bonus.
Which U.S. Bank Account Should You Choose?
If you can comfortably deposit and hold $25,000 for 60 days, the Platinum Business Checking is the clear winner. You’re earning a 4.8% return on that money ($1,200 ÷ $25,000) over just two months—far better than any savings account.
If $25,000 is too much to tie up, the Business Essentials Checking still offers an excellent 8% return on the $5,000 deposit ($400 ÷ $5,000). That’s a solid bonus for a relatively small commitment.
Frequently Asked Questions
What promotions does U.S. Bank currently offer?
U.S. Bank is currently offering a $1,200 bonus for Platinum Business Checking and a $400 bonus for Business Essentials Checking. Both require promo code Q4AFL25 and expire January 14, 2026.
How do I take advantage of U.S. Bank promotions?
What counts as a qualifying transaction?
Qualifying transactions include debit card purchases, ACH credits/debits, wire transfers, Zelle payments, mobile check deposits, and bill payments through U.S. Bank. You need to complete 5 transactions within 60 days of opening.
What is “new money” for U.S. Bank bonuses?
New money means funds that aren’t already held at U.S. Bank. You must deposit money from an external bank account, not transfer from existing U.S. Bank accounts.
When do U.S. Bank promotions expire?
Final Verdict
U.S. Bank’s current business promotions are among the best available. The $1,200 Platinum bonus is one of the highest checking bonuses you’ll find anywhere, and the $400 Essentials bonus offers excellent value for smaller deposits.
With 3,000+ branches across 26 states, U.S. Bank also gives you the in-person banking access that online-only banks can’t match. If you need a business checking account and can meet the requirements before January 14, 2026, these bonuses are worth grabbing.
⏰ Offer expires January 14, 2026