Top Business Checking Account Promotions: Bonuses Up to $1,000

To build this list of the best business bank account promotions, I focused on business checking accounts offering active bonuses directly from banks, fintechs, and provider-hosted partner pages. My goal was to identify promotions that are not only valuable but also realistic for small business owners to qualify for based on deposit requirements, transaction activity, and account accessibility.

Each account was evaluated using consistent criteria that reflect how businesses compare business bank account promotions in real-world banking decisions, including the following categories:

Bonus value: I compared the total promotional amounts offered by each provider, including cash bonuses, startup credits, and referral incentives, to determine which accounts deliver the highest overall value.

Qualification requirements: I reviewed the deposits, balance thresholds, transaction requirements, and timelines for earning each bonus. Accounts with simpler requirements and lower funding hurdles were rated more favorably for accessibility.

Account features: I evaluated each account’s core banking features, including monthly fees, transaction limits, ATM access, cash deposit options, digital banking tools, and integrations with accounting or payment platforms.

Ease of opening: I considered how easy it is to apply for and manage the account, including online application availability, approval speed, and whether businesses can open accounts fully online.

Provider accessibility: I reviewed whether the account is available nationwide or limited to specific regions, along with whether the provider serves startups, freelancers, LLCs, corporations, or more established businesses.

Transparency of the promotion: I prioritized offers that were clearly disclosed on provider-controlled pages, official disclosures, or bank-hosted promotional landing pages. Offers that relied heavily on third-party sources or unclear referral structures were evaluated more cautiously.

• Bonus amount: $500 cash
• Promo code: FSM500
• Promotion period: Open an account before January 1, 2026
• Eligibility requirements:
  • Must be a new Bluevine business checking customer (no account in the past 12 months)
  • Fund your account within 30 days of opening
  • Maintain a minimum daily balance of $5,000 from days 31 to 120 after account opening
  • Meet one of these activity requirements every 30 days for 90 days (starting on day 31 after account opening):
    • Receive at least $5,000 in deposits from eligible merchant services, or
    • Make at least $5,000 in payments through eligible payroll providers, or
    • Spend at least $2,000 on eligible transactions using the Bluevine Business Debit or Cashback Mastercard
• Bonus payout: Deposited by the 10^th day of the month following when you meet all requirements
• Account must remain open: At least 150 days after funding to avoid bonus reversal
• Tax note: The bonus is considered interest and will be reported on IRS Form 1099-INT.

• Open: Open a new Chase Business Complete Banking^® account. Accounts are subject to approval.
• Fund: Deposit a total of $2,000 or more in new money into your new qualifying checking account within 30 days from offer 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:

• Maintain: Keep the new money (at least $2,000 for the $300 offer or at least $10,000 for the $500 offer) in the new checking account for at least 60 days from the offer enrollment. If the new money deposit amount decreases below the threshold during the 60-day period, either your offer amount may change or your checking account may no longer qualify for the offer.
• Complete: Have five qualifying transactions within 90 days of offer enrollment.
  • Qualifying transactions are as follows: debit card purchases, Chase QuickDeposit^SM, ACH (Credits), wires (Credits and Debits), Chase Online^SM Bill Pay, and Chase QuickAccept^®. QuickAccept card payments are combined into one daily qualifying transaction. QuickAccept is not available to all businesses.
  • The following are not considered qualifying transactions: ACH (Debits), Person to Person payments such as Zelle^®, and online transfers to Chase credit card(s).

After you have completed all the above checking requirements, you’ll receive the bonus in your new account within 15 days. To receive this offer, the enrolled account must not be closed or restricted at the time of payout. This offer is good for one-time use.

Employees of JPMorgan Chase Bank, N.A., and affiliates are ineligible. Chase reserves the right to withdraw this offer at any time without notice. Offers are considered interest and may be reported on IRS Form 1099-INT (or Form 1042-S, if applicable).

Offer expires 10/16/2025.

• Open: Tap or click the offer link within the offer validity period and follow the instructions to open a checking account. Account approval is subject to eligibility criteria and other restrictions.
  • Important: Simply viewing the offer page or accessing the offer application page without clicking through the official offer link (e.g., from the TechnologyAdvice website) will not qualify you for the bonus. Only customers whose account sign-up process begins through an authorized referral path will be eligible.
• Deposit requirement: Deposit a total of $5,000 or more in new money into your new Novo account within 30 days of account opening. Deposits are subject to limits, verification, fraud monitoring, and other applicable restrictions.
• Balance maintenance: Once your balance first reaches $5,000, maintain that minimum balance of $5,000 for 90 consecutive calendar days. The deposited funds must be new money, not previously held by your business at Novo or its affiliates.
• Debit card usage requirement: Complete at least two debit card transactions using your Novo Debit Card (physical or virtual) within 90 days of account opening. Transactions must be settled purchases and not pending, refunded, or reversed.
• Bonus payment: Upon meeting the above requirements, Novo will automatically deposit the $300 bonus into your new Novo account, typically within 15 days. To receive this offer, your account must be active and unrestricted at the time of payout. No further opt-in is required by you.
  • Note: This bonus offer applies only to new accounts opened by new customers. Current and former customers, as well as any of their owners, representatives, or affiliates, are ineligible. One bonus per account is permitted.

Mercury is offering a $300 cash bonus for new business checking customers who deposit at least $10,000 within the first 90 days of opening an account. This promotion provides startups and digital businesses with an extra incentive to join Mercury while benefiting from its affordable banking and modern digital tools.

Promo code Q2AFL26 MUST be used when opening a U.S. Bank Business Essentials® or Platinum Business Checking account. Limit of one bonus per business. A $25 minimum deposit is required to open one of the referenced accounts.

To earn a business checking bonus, open a qualifying U.S. Bank business checking account between 4/01/2026 and 6/30/2026. Make the required deposit(s) in new money within 30 days of account opening, maintain the same required daily balance through the 60th day, and complete 6 qualifying transactions based on posted date within 60 days of account opening.

Business Essentials: $400 bonus with $5,000 deposits and daily balance
Platinum Business Checking: $1,200 bonus with $25,000 deposits and daily balance

Qualifying transactions include debit card purchases, ACH and wire credits or debits, Zelle credits or debits, U.S. Bank mobile check deposit, electronic or paper checks, bill pay (excluding payments made by credit card), and payment received via U.S. Bank Payment Solutions. Other transactions, such as person-to-person payments, credit card transfers, or transfers between U.S. Bank accounts, are not eligible.

New money is defined as funds 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 may reduce the required daily balance during the qualifying period.

Bonus will be deposited into your new eligible U.S. Bank business checking account within 30 days after the month-end in which all offer requirements are met, provided the account remains open with a positive available balance.

Offer may not be combined with other business checking bonus offers. Existing businesses with a business checking account or had one closed within the past 12 months, do not qualify.

All regular account-opening procedures apply. For full checking account pricing, terms and policies, refer to your Business Pricing Information, Business Essentials Pricing Information, and YDAA disclosure. These documents are available at any U.S. Bank branch or by 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.

Member FDIC

Huntington Bank is offering new business customers up to $1,000 in cash bonuses when you open a business checking account by October 16, 2025. The bonuses vary depending on the account you choose.

• Business Checking 100: No cash bonus, but includes up to 100 free monthly transactions, $2,500 in free cash deposits each month, and a free 120-day trial of Huntington’s Reverse Positive Pay fraud protection tool with no monthly maintenance fees.
• Unlimited Business Checking: $400 bonus when you deposit at least $5,000 in new money within 60 days of opening your account and keep it open for at least 90 days. This account offers unlimited transactions, $10,000 in free cash deposits each month, and a choice of one bonus business service.
• Unlimited Plus Business Checking: $1,000 bonus by depositing $20,000 in new money within 30 days of opening your account, maintaining a minimum daily balance of $20,000 for 60 days, and keeping the account open for at least 90 days. This premium account includes unlimited transactions, $25,000 in free monthly cash deposits, and two bonus business services.

Bonuses will be deposited into your new account within 14 days after meeting all requirements.

Truist has a business checking account offer that allows you to earn $400 by making qualifying deposits* of $2,000 or more within 30 days of account opening.

To take advantage of this promotion, open a new Truist Simple Business Checking or Dynamic Business Checking account online, by phone, or at a branch between 4/1/25 and 9/30/25 using code SB25Q2BIZAFL and ensure you meet the offer promotion requirements. Must be a new Truist business checking client. Member FDIC.

Terms and Conditions for the Small Business Checking Affiliate Q3 2025 Offer: SB25Q2BIZAFL

Offer Information: Open a new Truist Simple Business Checking or Dynamic Business Checking account online, via phone, or in a branch from 4/1/2025 through 9/30/2025 and earn $400 by making Qualifying Deposits* of $2,000 or more into your new account within 30 days of account opening.

Enrollment in the promotion is required at the time of account opening using promo code SB25Q2BIZAFL to be eligible for a promotion reward. Refer to the Account Opening & Promotion Enrollment sections below for instructions.

*Qualifying Deposits for new business checking accounts exclude debit card credit transactions and NSF fee refunds. Deposits can be made on a one-time basis or cumulatively over the 30 days.

Offer Eligibility: You must be a new Truist business checking client. To be considered a new business checking client, the business cannot have an existing Truist business checking account or have closed a Truist business checking account within 180 days of the promotion start date (i.e., on or after 10/3/2024), with the same Taxpayer Identification Number (TIN), including but not limited to an Employer Identification Number (EIN). The business account holder must be 18 years or older at time of account opening. The account holder cannot be a non-resident alien. The business account holder must have a valid U.S. TIN. The business’s physical address must be located in one of the following states: AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC.

Reward Processing: The reward will be deposited to the new business checking account within 4 weeks after the qualification requirements have been met and verified. In order to receive the reward, the new business checking account must be open, not restricted, and in good standing with a balance of at least $0.01 at the time of Truist verification and at the time of payout. An account is considered restricted if it has a temporary or permanent block that prevents credits from posting to the account. Truist verification will occur one time after the qualification requirements are initially met. Promotion is only applicable once per client and for one new qualifying business account. Truist may report the value of any offer reward received to the IRS as required by law. Any applicable taxes are the responsibility of the recipient.

Reward Forfeiture: Reward forfeiture will occur if: (1) the new business checking account is changed to an account type not included in this offer prior to payout, (2) the new business checking account has a $0.00 or negative available balance or is restricted at the time Truist verifies the qualification requirements have been met or, (3) the new business checking account is closed or restricted at the time of payout.

Other Terms: Minimum opening deposit is $100. A monthly maintenance fee is applicable for Truist Dynamic Business accounts whose combined average relationship ledger balance is less than $5,000; the monthly maintenance fee is waived for accounts with a combined average relationship ledger balance of $5,000 or more. See Truist’s Business Deposit Accounts Fee Schedule for additional information.

The offer is non-transferable and may not be combined with any other offers. This offer is subject to change and may be discontinued at any time. Truist reserves the right, in its sole discretion, to disqualify any account if Truist suspects accounts are being opened for the purpose of exploiting this promotional offer. All promotional payouts will be processed no later than 3/31/2026, at which point this promotion and any related disbursements will be considered final, and no further disbursements will be made.

Online Account Opening & Promotion Enrollment Instructions: During the online application process, ensure the promo code SB25Q2BIZAFL is entered into the Promo Code field and accept the offer when presented. Accounts opened online without the Promo Code will not be eligible to participate in the offer.

Branch Account Opening & Promotion Enrollment Instructions: Visit your local Truist branch or call a Small Business representative and ask to open an eligible account and enroll you in the Truist Small Business Checking Affiliate Q2 & Q3 2025 Offer using promo code SB25Q2BIZAFL. Once enrolled in the promotion, clients may receive promotional updates via the email address provided or by calling 800-709-8700.

Axos Bank is offering up to $400 in cash bonuses for new business checking customers.

• Newly formed businesses can earn up to $200 by opening an account with promo code  START200 or NEW 400 and maintaining an average daily balance of $3,000 for four months.
• There’s also a $300 bonus tier available for maintaining a $25,000 balance for four months and completing 10 debit transactions.
• For businesses with higher balances, Axos offers up to $400 when you use promo code NEW400, maintain an average daily balance of $50,000 for four months, and complete at least 10 debit card point-of-sale transactions of $3 or more per month.

Promotional Offer is open to organizations that have no previous relationship with Relay (“Eligible Organizations”).

Where an Eligible Organization has a) successfully registered for a Relay business checking account (“Account”) using the designated partner landing page provided by Relay; b) funded their account within 30 days of account approval; and c) maintained a minimum balance of one hundred dollars ($100) in their new Account for sixty (60) consecutive calendar days (“Minimum Balance Requirement”), a one-time signup bonus will be deposited into the Eligible Organization’s Account within fourteen (14) business days after meeting the Minimum Balance Requirements and the minimum hold time.

The amount of the one-time signup bonus will be from $25 to $150 as determined by participating partners. Each Relay user can only claim one bonus. Relay reserves the right to clawback the sign-up bonus from organizations in the event their account is subsequently closed or offboarded by Relay for other ineligibility or risk disqualification reasons.

Organizations will be able to register for the Offer starting on February 1, 2025, at 12:00 a.m. EST (the “Registration Period”).

Each bank sets its own requirements, but most commonly, you’ll need to open a new business checking account, deposit a specific amount of money within a set number of days, and complete certain transactions, like debit card purchases or ACH transfers. Always check the fine print to ensure your business activity aligns with the terms.

Yes. Most business bank bonuses are treated as interest income by the IRS. If your bonus is $10 or more, your bank will typically send you a 1099-INT form during tax season. Be sure to set aside a portion for taxes and consult a tax advisor if you’re unsure how it applies to your business.

In some cases, yes. However, most banks restrict you from earning more than one bonus within a set timeframe, usually around 12 to 24 months. Others limit bonuses to new customers only. As long as you meet each bank’s eligibility rules and don’t already have an account with them, you can take advantage of multiple offers.