Best Business Bank Account Bonuses and Promotions of 2025

Eligible accounts: U.S. Bank Silver Business Checking, Business Essentials and Platinum Business Checking accounts.

• To earn a $500 bonus, open a U.S. Bank Silver Business Checking or Business Essentials account and deposit new money — $5,000 — within 30 days.

• To earn a $900 bonus, open a Platinum Business Checking and deposit new money — $30,000 — within 30 days.

• In both instances, you must maintain that balance through 60 days from account opening. 

Who can qualify: This bonus offer is available to new customers who have not been the owner or signer on a U.S. Bank business checking account for at least 12 months.

When you’ll receive the bonus: Once eligibility is verified, your bonus will be deposited into your account within 30 days from the end of that calendar month, provided your account is open and has a positive balance.

How to open an account: This bonus only applies to accounts opened online.

Account highlights: U.S. Bank offers three primary business checking accounts, including a free option via its Silver Business Checking account. This account includes up to 125 transactions and up to $2,500 in cash deposits per statement cycle.

Eligible accounts: Chase Business Complete Banking®.

• Deposit $10,000 in new money (for the $500 bonus) or $2,000 in new money (for the $300 bonus) within 30 days of opening the account and maintain that balance for at least 60 days.

• Complete five qualifying transactions within 90 days of opening the account. Qualifying transactions include debit card purchases, Chase QuickAccept℠ deposits, Chase QuickDeposit℠, ACH credits and wires (credits and debits).

Who can qualify: New Chase business checking customers (you cannot be a signer on an existing Chase business checking account). This promotion isn't available to local, state, or federal government entities or agencies, not-for-profit organizations, political action committees, anyone with campaign accounts, anyone whose accounts have been closed within 90 days, or whose accounts closed with a negative balance within the past three years.

When you’ll receive the bonus: Chase will deposit the bonus into your account within 15 days of you satisfying the bonus requirements.

How to open an account: You can open an account online (terms apply) or request an offer code from Chase, which you can show at a local branch to open an account.

Location availability: Chase has locations in 48 states, plus Washington, D.C. It doesn't have branch locations in Alaska or Hawaii.

Business banking highlights: Chase business checking is a great option for small-business owners looking for essential banking features from a brick-and-mortar institution. In particular, the Business Complete Checking account offers unlimited electronic transactions, multiple ways to waive the $15 monthly fee and pay-as-you-go credit card processing with Chase QuickAccept℠.

Eligible accounts: Rho Business Checking.

How to qualify: Open a new Rho Business Checking account, deposit $50,000 in new money and maintain a $50,000 average daily balance for at least 90 days. Include the code NERDWALLET at sign-up.

Who can qualify: New Rho customers. You cannot qualify if you've applied for a Rho account within the last 120 days.

When you’ll receive the bonus: The reward will show as a statement credit within 30 days after the first 90 days of opening your account.

How to open an account: You can open an account online.

Location availability: Rho does not have branches.

Business banking highlights: Rho is a banking platform designed for startups. It offers free wire transfers and same-day ACH transfers, 24/7 customer support and an insured cash sweep account. Some customers can also move funds into a treasury account to earn yield.

Eligible accounts: Axos Basic Business Checking or Business Interest Checking.

• Complete 10 point-of-sale transactions per month with your Axos business debit card. Transactions must be at least $3.

• Maintain an average daily balance of $25,000 to $49,999 for a $75 payout or at least $50,000 for a $100 payout.

Who can qualify: New Axos business checking customers who have not been primary accountholders on an Axos business account (checking or savings) in the past 12 months. You are only eligible for one Axos promotional offer per year.

When you’ll receive the bonus: The bonuses are deposited within 10 business days of the end of the statement cycle if you meet all of the qualifying requirements.

How to open an account: Open your Axos business checking account online using the promo code “NW400."

Location availability: Nationwide.

Business banking highlights: Axos offers a free business checking account and an interest-earning option, plus multiple business savings accounts. This online bank doesn’t charge any ATM fees and offers unlimited domestic ATM fee reimbursements for fees charged by other banks.

Eligible accounts: Axos Business Premium Savings Account.

• For a $75 payout: Maintain an average daily balance of $30,000 to $74,999.

• For a $125 payout: Maintain an average daily balance of $75,000 or more.

Who can qualify: New Axos Business Premium Savings Account customers who have not been primary account holders on an Axos Bank or UFB savings account in the past 12 months. You are only eligible for one Axos savings promotional offer per year.

When you’ll receive the bonus: The bonuses are deposited within 10 business days of the end of the statement cycle if you meet all of the qualifying requirements.

How to open an account: Open your Axos business checking account online by 09/30/2025 and use the promo code “BPS375."

Location availability: Nationwide.

Business banking highlights: Axos Business Premium Savings Account has no monthly fee and earns 4.01% on all balances. The account allows up to 20 transactions per month (debits, credits and deposited items). Additional transactions are 30 cents each. Account holders can opt into an Insured Cash Sweep account to extend FDIC coverage up to $240 million for no additional charge.

Eligible accounts: American Express® Business Checking.

• Deposit a total of $5,000 or more within 30 days of account opening. Eligible deposits are any deposits except those using the Redeem for Deposits feature, deposits from interest payments, and deposits from any other American Express® Business Checking accounts.

• Once you meet the deposit requirement, you must maintain an average balance of $5,000 for the next 60 days.

• Complete at least five transactions within 60 days of account opening. Qualifying transactions include mobile deposits, check deposits by mail and electronic transactions including ACH transfers, wire transfers and bill payments. Business debit card transactions and deposits using the Redeem for Deposits feature are not qualifying transactions.

Who can qualify: Business owners opening their first American Express® Business Checking account. You will also need a linked Membership Rewards Program Account to receive the points.

When you'll receive the bonus: Membership Rewards points will be credited to your linked account within 8-12 weeks upon completion of the qualifying activities.

How to open an account: American Express is an online-only financial institution. You can open a business checking account on its website.

Location availability: Nationwide.

Business banking highlights: American Express® Business Checking is one of our top business checking accounts, as it has no monthly fee, unlimited transactions and accrues interest: Earn 1.30% APY (annual percentage yield) on balances up to $500,000 as of 10/12/2022. Also, unlike most online accounts, American Express offers 24/7 customer service. The account doesn't accept cash deposits, though.

Eligible accounts: Bluevine Business Checking.

• Make at least $5,000 of outbound payroll payments from your Bluevine account using eligible payroll providers.

Who can qualify: New Bluevine business checking customers who have not been the owners or signer on a Bluevine business account for at least 12 months.

When you’ll receive the bonus: Bluevine will deposit the bonus into your account the month after you satisfy the bonus requirements (by the 10th day, per Bluevine).

How to open an account: You can open an account online using the offer code above.

Location availability: Bluevine is an online account and available nationwide.

Business banking highlights: Bluevine's free business checking offers a competitive APY: Earn 1.50% interest on account balances up to and including $250,000. Terms apply.

Eligible accounts: PNC Business Checking and Business Checking Plus.

How to qualify: Open a new qualifying Business Checking or Business Checking Plus account by 3/31/2025. Maintain a minimum average ledger balance of $2,000 for each of the first three statement cycles; and make at least 20 total qualifying PNC Bank Visa® Debit Card transactions within the first three statement cycles.

Who can qualify: To earn this bonus, your business must have an annual revenue of less than $5 million. In addition, your new account won't be eligible if any signer has signing authority on an existing PNC business checking account, has closed an account within the past 90 days, or has been paid a promotional premium in the past 12 months. If multiple accounts are opened with the same authorized signers, only one account will be eligible for the bonus offer.

When you’ll receive the bonus: After you’ve met all the necessary criteria, the cash bonus will be credited to your account within 90 days.

How to open an account: Request an offer coupon on the PNC website and visit a branch to open a business checking account. You can start your application online or over the phone before bringing the coupon to a branch location to complete the process.

Location availability: PNC’s business checking accounts are limited to states with branch locations. PNC has branches in 28 states across the Northeast, Midwest and South, plus Washington, D.C.

Business banking highlights: With two main business checking account options, PNC offers traditional banking from a brick-and-mortar bank. Most notably, PNC business checking includes access to debit card rewards, online add-ons and additional perks for new customers.

Eligible accounts: Business Checking 100; Unlimited Business Checking; Unlimited Plus Business Checking; Non-Profit Interest Checking; Non-Profit Analyzed Checking; Business Analyzed Checking.

• For a $100 bonus: Make a cumulative new money deposit of at least $2,000 within 60 days after opening an eligible account. Offer available on all eligible accounts.

• For a $400 bonus: Make a cumulative new money deposit of at least $5,000 within 60 days after opening an eligible account. Offer not available on Business Checking 100.

• For a $1,000 bonus: Make a cumulative new money deposit of at least $20,000 within 30 days after opening an eligible account, then maintain a daily balance of $20,000 for 60 days after you've met the cumulative opening deposit requirement. Offer is only available on Unlimited Plus Business Checking accounts.

Who can qualify: You must be a new Huntington business checking customer to qualify. You aren't eligible if you have closed an account within the past six months. Public fund or government banking dollars and brokers are also not eligible for this offer. In addition, business owners with multiple businesses can be limited to one account-related incentive per rolling 12-month period.

When you’ll receive the bonus: Your account must be open for 90 days before you can receive the promotional offer. After that time, the bonus will be deposited into your account within 14 days provided you’ve met the requirements.

How to open an account: Apply online using the promotional offers page on the Huntington Bank website or request a coupon and visit a branch to open an account.

Location availability: This Huntington business checking account promotion is only available to business owners in Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia and Wisconsin.

Business banking highlights: Huntington offers a free business checking account, as well as two “Unlimited” accounts with unlimited fee-free transactions. All accounts have a generous overdraft grace period that covers overdrafts up to $50 with no fee.

How to qualify: Earn $125 when you deposit $5,000 within the first 30 days of account creation and maintain it for another 30 days. Offer valid until 03/31/25. Terms Apply.

Who can qualify: Businesses with new Found accounts that remain in good standing for the duration of the bonus period and aren't in violation of any related laws or regulations.

When you’ll receive the bonus: After you’ve met all the necessary criteria, the cash bonus will be credited to your account within 30 days.

How to open an account: Apply using the link above.

Location availability: Found is an online account and available nationwide.

Business banking highlights: Found is a standout online banking option for self-employed workers. Its built-in tools include tax planning, invoicing, the ability to accept tap-to-pay payments and contractor payment management.