The problem: Most business checking accounts hit you with monthly fees, transaction limits, and tiny bonuses that barely cover the hassle of switching banks.
Here’s what’s different: U.S. Bank Platinum offers up to $1,200 bonus (highest on this list), unlimited transactions, and waivable monthly fees. Plus you get access to 2,200+ branches if you need in-person banking.
Bonus Offer
Up to $1,200
Why This Is #1
The $1,200 bonus is the highest you’ll find for a business checking account right now. Fee is waivable with $25K average balance or $4K in monthly deposits. If you’re doing decent volume, this is a no-brainer. Plus U.S. Bank’s online banking is solid and customer service is actually helpful.
Pros
- Highest bonus offer at $1,200
- Unlimited transactions included
- 2,200+ branches nationwide
- Monthly fee is waivable
- Strong online banking platform
Cons
- $25K balance or $4K deposits to waive fee
- $100 minimum to open
- Bonus requires specific deposit activities
The problem: Traditional banks charge monthly fees and require you to visit a branch just to open an account. If you run an online business, this is a huge waste of time.
Here’s what’s different: Axos is 100% online with no monthly fees, no minimum balance, and up to $400 bonus. Open your account in minutes without leaving your desk. Perfect for digital businesses, freelancers, and remote companies.
Bonus Offer
Up to $400
The Reality
No monthly fee and no minimum balance make this perfect for newer businesses or side hustles. The $400 bonus is solid for a no-fee account. 200 free transactions per month is plenty for most small businesses. Only downside is no physical branches, but if you’re running an online business, you don’t need them anyway.
Pros
- Zero monthly fees ever
- No minimum balance required
- $0 to open account
- 200 free transactions monthly
- 100% online application
Cons
- No physical branch access
- Lower bonus than Platinum ($400 vs $1,200)
- Transaction fees after 200/month
The problem: Platinum requires $25K in your account or $4K monthly deposits. If you’re a smaller business, you’re stuck paying $25/month or missing out on the bonus entirely.
Here’s what’s different: Business Essentials offers a $400 bonus with much lower requirements. Only need $1K in monthly deposits to waive the $15 fee. Perfect middle ground between Axos (online-only) and Platinum (high requirements).
Bonus Offer
$400
The Reality
This is the sweet spot for most small businesses. $400 bonus is solid, and you only need $1K in monthly deposits to waive the $15 fee—way easier than Platinum’s requirements. 125 free transactions is enough for most businesses. You get branch access if needed, but lower requirements than Platinum.
Pros
- $400 bonus offer
- Only $1K deposits to waive fee
- 125 free transactions monthly
- Access to 2,200+ branches
- Lower requirements than Platinum
Cons
- $15 monthly fee (waivable)
- Lower bonus than Platinum
- Fewer transactions than Platinum
If you own a small business, opening a business bank account is important. It helps keep your personal and business money separate. This can make your business look more real, especially if you’re just starting and need a loan. When picking a bank account, look at things like how many free transactions you get, how it works with your accounting software, and if they pay back ATM fees. Also, find accounts that offer special deals for new customers.
Banks sometimes give bonuses to business owners who open new accounts. These bonuses can be different in amount and what you need to do to get them. Even though these bonuses are more common for personal accounts, there are still some available for small businesses across the country and in certain states.
Are you ready to find out what some of the best business checking account promotions are if you open a new account today?
Best Business Bank Bonuses and Promotions
Let’s take a look at which business checking account promotions you can take advantage of if you’re looking to open a new account for your business needs.
Read on to see how to earn these business checking account promotions.
Axos Basic Business Checking: Up to $400 Bonus
Axos Bank is an online-only financial services company that offers a variety of products and services for personal, business, and institutional clients. Axos Bank’s Basic Business Checking account is a free, online-only option for small businesses and startups.
Axos offers no maintenance fees, no minimum balance, and no opening deposit required on their checking accounts. You’ll also get a free set of 50 checks. Businesses who bank with Axos can deposit up to 60 items per month with Remote Deposit Anywhere. Plus, you have unlimited processing capabilities for credits, debits, and deposits.
How to get your bonus? Use the code NEW400 through this partner link to earn up to $400 by opening a business checking account with Axos. The Axos Basic Business account requires an average daily balance of $10,000 or more to qualify for the $400 bonus, which must be held for at least 90 days after opening the account.
Business Essentials Checking – Get a $400 Bonus
Offer: Earn a $400 bonus when you open a U.S. Bank Business Essentials Account online with promo code Q4AFL25 and complete qualifying activities, subject to certain terms and limitations. Offer valid through January 14, 2026. Member FDIC.
Looking to give your business banking a boost? U.S. Bank is offering a limited-time $400 bonus when you open a new Business Essentials Checking account between 10/01/2025 and 1/14/2026.
To qualify, open your account online using promo code Q4AFL25, deposit $5,000 in 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—including debit card purchases, ACH transfers, wire transfers, Zelle activity, mobile check deposits, or bill payments—within the same 60-day period.
This account is a great fit for small business owners who want essential features without unnecessary fees. Plus, with U.S. Bank’s 24/7 support and digital tools, managing your cash flow becomes easier than ever.
If you’re just getting started or looking to upgrade your current setup, this is an easy opportunity to earn a solid reward while setting a strong financial foundation.
Platinum Business Checking – Earn a $1,200 Bonus
Offer: Earn up to a $1,200 bonus when you open a Platinum Business Checking Account online with promo code Q4AFL25 and complete qualifying activities, subject to certain terms and limitations. Offer valid through January 14, 2026. Member FDIC.
Need a business account with more flexibility and higher limits? U.S. Bank is also offering a $1,200 bonus when you open a Platinum Business Checking account during the same promotional window (October 10, 2025, to January 14, 2026).
Use promo code Q4AFL25 when applying online, then deposit $25,000 in new money within 30 days and maintain that balance for 60 days. As with the Essentials offer, you’ll need to complete five qualifying transactions within 60 days of opening the account.
This offer is ideal for growing businesses or established operations looking for premium banking features and personalized support. The Platinum account includes advanced treasury management tools, higher transaction limits, and priority service. And with nearly $1,200 in bonus cash available, now is the perfect time to make the switch.
Open your account here and earn $1,200
Chase Business Complete Checking®: up to $500 bonus
Chase Business Complete Checking® is a leading business checking account offered by Chase, one of the largest banks in the United States.
With its amazing features and services, this business checking account makes it easier for small business owners to keep track of their finances.
The account is easy to open and grants a sign up bonus of up to $500, if you open an account and if you deposit $10,000 or more within the first month of opening the account.
Though Chase Business Complete Checking® requires a $15 monthly service fee, it provides several options that you can use to avoid the charge and conditions that are easy to meet.
The monthly fee can be waived if you:
- Maintain a minimum of $2,000 daily
- Use Chase QuickAccept or another Chase Payment Solution transaction to deposit a minimum of $2,000 into your account
- Spend $2,000 or above using a Chase Ink Business Card
- Link a Chase Private Client Checking℠ account
Chase Business Complete Checking® takes care of the basics, so you can focus on growing your business.
Related: Chase Bank Promotions and Bonus Offers
Citi Small Business Checking Account: Up to $2,000
Opening a business checking account with Citi can earn you up to $2,000. You’ll need to make a qualifying deposit within 30 days of opening the account and maintain that balance for the next 60 days. Promotion bonuses are issued via 1099-INT.
Deposits of s$5,000 to $14,999 will earn you a $200 bonus. You can get a $1,000 bonus if you deposit $50,000 to $99,999 into your new Citi Small Business Checking Account. However, in order to receive the full $2,000 promotion balance, you will need to deposit $200,000 or more into your business checking account.
Huntington Business Checking: Up to $750 Bonus
There are three accounts you can choose from when opening a business checking account with Huntington. Depending on which type of account you open, you’ll earn a corresponding reward.
- Business Checking 100: You can earn $100 for depositing $2,000 into your new business checking account. You’ll have to make this deposit within 60 days of opening the account, and keep that account open for 90 days. If you close your account within 180 days of opening it, you will be charged an early account closing fee. Bonuses are deposited within your new checking account 14 days after you meet the requirements.
- Unlimited Business Checking: If you deposit $5,000 or more into your new business checking account, you will receive a bonus of $400. All the same requirements of the $100 bonus apply.
- Unlimited Plus Business Checking: To receive the full $750 promotional balance, you’ll have to deposit at least $20,000 into your account. You can waive the $40 per month maintenance fee by keeping $50,000 in combined deposits.
These business checking account promotions from Huntington end on November 7th. Be sure to take advantage of them before that date to receive your bonus.
M&T Bank: Up to $600 Bonus
There are two steps to earning a promotion with M&T Bank when you open a new business checking account. First, you’ll need to open a Tailored Business Checking Account. This will earn you $300 as long as you have an average balance of $5,000 or more for the third full calendar month after you open the business checking account. Your bonus will then be credited to your account within 45 days of completing these requirements.
Additionally, you can earn another $300 for opening a M&T Merchant Services Account. You’ll need to process $20 in merchant transactions within a month of opening your account to receive the $300. Plus, you can earn $100 more if you process at least $4,000 worth in that month.
Bank of America Business Advantage Banking: Up to $500 Promotion
To qualify for a $500 bonus from Bank of America, you can open a Bank of America Business Advantage Banking account. This business checking account, in addition to the Business Advantage Fundamentals Banking and Business Advantage Relationship Banking accounts, are all eligible for the $500 promotion.
If you deposit $20,000 or more within 15 days of opening your account, you’ll get $500 back. You must, however, maintain that balance (on average) for the next 60 days. While Bank of America does charge monthly fees on their accounts, they do offer ways to waive those fees if you meet certain requirements.
PNC Business Checking: Up to $500 in Promotions
Both PNC Business Checking and PNC Business Checking plus accounts are eligible to earn up to $500 in promotions for opening a new business checking account. You’ll need $100 to open the account, but you must maintain a balance of $5,000 or more within the first 3 statement cycles to qualify. Plus, a total of 20 transactions with your Visa debit card are required within that same time period as well.
As long as you have a minimum balance of $500, you won’t be charged the $10 monthly maintenance fee. You can also use the linked PNC Visa business credit card to make $500 in purchases or maintain a PNC Merchant Services account with $500 processed in deposits to waive this monthly fee as well.
PNC also offers the Treasury Enterprise Plan and Analysis Business Checking accounts. These accounts require a minimum balance of $30,000 within the first 3 statement cycles but offer a $500 reward.
BMO Harris Business Checking Offers: Up to $500 in Rewards
The business checking account promotions for BMO Harris are only available to residents in Arizona, Florida, Illinois, Indiana, Kansas, Missouri, Minnesota, and Wisconsin. The Essential Business Checking Account and Business Advantage Checking Account are both eligible for up to $500 in rewards, which can really help add to your business’s bottom line.
To earn up to $400 with the Essential Business Checking account, you’ll need to deposit at least $1,500 within 30 days of opening your account. This balance should be maintained for at least 90 days to earn this deposit, which also requires you to make 10 transactions in those 90 days as well. There is no direct deposit required, however.
Business Advantage Checking accounts can earn up to $500 in rewards by depositing $5,000 within a month and keeping it there for 90 days. Again, you’ll have to complete at least 10 transactions in that timeframe as well to achieve your bonus.
Truist Business Checking: $200 Bonus
You can earn a $200 bonus for opening a business checking account with Truist by using the code SB22NEW2BIZ4. This particular bank requires that you deposit at least $1,500 into your new account within 30 days of opening it, as well as enroll and sign in to Truist Online Banking for Business.
There are no minimum balances or ACH fees associated with your Truist Business Checking account. You won’t pay a monthly fee, but you will get a personalized debit card. Businesses have access to both online and mobile banking with Truist, which operates in Alabama, Florida, Georgia, Indiana, Kentucky, Maryland, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, and Washington, D.C.
Top Business Checking Account Features
The best business checking account features are similar to those of personal checking accounts. However, these perks can be even more critical for a business to run, since you’re typically counting every penny.
Most business checking accounts come with specific fees and limitations. For example, they may require an opening deposit. This can largely depend on what type of bank they are, such as a national, regional, or local bank. You’ll also gain access to ATMs and other included tools, though you may be subject to certain limitations.
Many business checking accounts include the ability to open a business savings account as well. High-yield savings accounts are the most sought-after, as they make the most of your business savings as you work.
Some of the best business checking accounts are those that will grow with your business so that you can continue to offer more services with the support of your financial institution. As your small business grows, you can integrate new services with your business checking account to keep the ball rolling.
FAQs
The majority of major banking institutions offer some sort of business checking account perk. For example, American Express rewards businesses with up to $300.
Every single bank on our list will pay you to open a business checking account. The amount varies from one institution to the next, but you can certainly earn a reward with any of them.
Banks such as Axos have no monthly maintenance fees for their business checking accounts. However, some banks will charge a monthly account, unless you fulfill a certain number of requirements. Check with each financial institution to see how you can waive monthly maintenance fees, if there are any.
Bank on Your Business’s Future
Getting a bonus for opening a new business checking account might not be everything you need to start your business, but it certainly helps. If you’re looking to make the most of opening a new business checking account, any of the banks on our list are great candidates. Check out which ones offer the best perks for you and set your new business up for success. This is only the first step of many on the path toward great things to come.
If you’re a fan of these types of promotions, consider checking out the best bank account bonuses for your personal accounts and score some free money.