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View list of the current top business checking deals and promotions. Earn cash bonuses for opening a new account.
Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
Multiple ways to connect with Chase. Get personal attention paired with a large-scale presence, including more than 4,900 local branches and 15,400 ATMs. Plus, bank on your phone with the Chase Mobile® app.
Chase for Business guidance you can count on. Access business insights and tools to help you grow. Meet with our team of bankers or go to our online Resource Center to find helpful information.
Chase Business Complete Checking does more for your business. Featuring multiple ways to pay and get paid, like built-in invoicing and card acceptance, Zelle®, and Tap to Pay on iPhone, to help improve your cash flow.
Waivable service fee. Multiple ways to waive the $15 Monthly Service Fee, like keeping a $2,000 minimum daily balance or making at least $2,000 in purchases per month with your Chase Ink® Business credit card.
The offer is for new eligible business checking customers only.
Offer expires 12/31/2025.
To qualify, deposit $5,000 or more in New Money* directly into a new eligible Bank of America Business Advantage Banking account within thirty (30)
days of account opening.
Maintain an average balance of $5,000 in that new Business Advantage Banking account during the Maintenance Period**.
Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
Additional terms and conditions apply. See offer page for more details.
*New Money is new funds deposited into your business checking account that are not transfers from other Bank of America deposit accounts or
Merrill investment accounts.
** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
Promo code Q3AFL25 MUST be used when opening a U.S. Bank Business Essentials or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
Earn your $400 Business Checking bonus by opening a new U.S. Bank Business Essentials account between 7/1/2025 and 9/30/2025. 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.
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 Pricing Information or Business Essentials® Pricing Information Document for a list of fees.
Bonus will be deposited into your new eligible U.S. Bank Business Checking 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 Pricing Information or 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. Member FDIC
To earn the $300 bonus, customers must apply for a Bluevine Business Checking account anytime between now and 12/31/2025 using the referral code CD300.
After opening the account, customers must add funds within 30 days, then meet at least one of the following eligibility requirements every 30 days for the next 90 days from account funding:
Deposit at least $5,000 from eligible merchant services to your Bluevine account OR
Make at least $5,000 of outbound payroll payments from your Bluevine account using eligible payroll providers OR
Spend at least $2,000 with your Bluevine Business Debit Mastercard® and/or Bluevine Business Cashback Mastercard®
Banking services provided by Coastal Community Bank, Member FDIC
Promo code Q3AFL25 MUST be used when opening a U.S. Bank Business Essentials or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
Earn your $1,000 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking account between 7/1/2025 and 9/30/2025. You must make deposit(s) of at least $25,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $25,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.
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 Pricing Information or Business Essentials® Pricing Information Document for a list of fees.
Bonus will be deposited into your new eligible U.S. Bank Business Checking 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 Pricing Information or 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. Member FDIC
Business owners get up to $400 welcome bonus!*
Open a business checking account by September 30 and get up to $400 when you use promo code NEW400 on your application.*
No initial deposit requirement
No minimum balance requirement
No monthly maintenance fees
Free domestic incoming wires. Two (2) outgoing domestic wire fees reimbursed per month.
Unlimited domestic ATM fee reimbursements
Unlimited item processing (debits, credits, and deposited items)
Interested in a $400 welcome bonus?
Start growing your business and get up to $400 when you open a Business Interest Checking account by September 30. Just use promo code NEW400 on your application.**
Up to 1.01% APY**
$100 minimum opening deposit
Pay no monthly maintenance fee with an average daily balance of at least $5,000
Unlimited domestic ATM fee reimbursements
Up to 100 free items per month, $0.50 per item thereafter (includes debits, credit, and deposited items)
Up to 60 items per month for Remote Deposit Anywhere (includes monthly per item processing limitation)
Free online banking, image statements, and Bill Pay
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. Must be a new Truist business checking client, Terms Apply.
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.
Terms and Conditions
Terms and Conditions for the Small Business Checking Affiliate Q2 &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 appliable 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.
Automatically find tax write-offs and save for taxes
Track and categorize expenses with custom rules
Free unlimited custom invoices
Easy sign up; no credit check
Found is a financial technology company, not a bank. Business banking services are provided by Piermont Bank, Member FDIC. The funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category. The Found Mastercard Business debit card is issued by Piermont Bank pursuant to a license from Mastercard Inc. and may be used everywhere Mastercard debit cards are accepted.
Small business owners—take notice. Many banks are offering incentives and cash bonuses for opening new business checking accounts.
A business checking account is important to keep your funds separate from your personal banking. It helps organize your accounting and will save you a lot of headache during tax time. LLCs, corporations, and DBAs are required to have a separate business bank account.
Just remember to keep your business needs in mind. For LLCs, check out the best business bank accounts for LLC to make sure you're picking one that fits your needs.
What you need to open a business checking account:
Earn up to $2,000 cash bonus with required activities. Open a new CitiBusiness (Analyzed), Streamlined, or Flexible Checking account. Mention this offer to a Citibank Business Specialist. Within 45 calendar days following account opening, make one or more deposits in new-to-Citibank funds to meet the Qualifying Balance. Maintain the required Qualifying Balance for 45 consecutive calendar days after the Qualifying Balance level is met during the initial 45 calendar day funding period.
Qualifying Balance
Bonus
$5,000 - $19,999
$300
$20,000 - $49,999
$500
$50,000 - $99,999
$1,000
$100,000 - $199,999
$1,500
$200,000 or more
$2,000
PNC Bank: Business Checking Account - $1,000 Bonus
Open a new PNC Treasury Enterprise Plan or Analysis Business Checking account. Maintain an average ledger balance of $30,000 or more in your new checking account for each of the first three statement cycles.
This offer is only available to businesses with an annual revenue of less than $5 million. All existing business checking customers, including those who have closed an account in the past 90 days or has been paid a promotional premium in the past 12 months are not eligible for this offer. $500 bonus will be credited to your new business checking account within 90 days after all conditions have been met.
Open a new PNC Business Checking or PNC Business Checking Plus account. Maintain an average ledger balance of $2,000 in your new checking account for each of the first three statement cycles. Make at least 10 qualifying transactions within the first three statement cycles.
This offer is only available to businesses with an annual revenue of less than $5 million. All existing business checking customers, including those who have closed an account in the past 90 days or have been paid a promotional premium in the past 12 months are not eligible for this offer. $400 bonus will be credited to your new business checking account within 90 days after all conditions have been met.
Huntington: Business Checking Account - $1,000 Bonus
Open a new Huntington Unlimited Plus Business Checking account. Make a minimum cumulative new money deposit into the new checking account of at least $20,000 within 30 days of account opening. Maintain minimum daily balance of $20,000 for 60 days after meeting deposit requirement. Account must maintain an open status for at least 90 days to be eligible.
This offer is only available to applicants residing in Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, North Carolina, Ohio, Pennsylvania, South Carolina, West Virginia, or Wisconsin. This offer is only available to new business checking customers. All current Huntington business checking customers, including those with business checking accounts closed within the last six months, are not eligible. $1,000 bonus will be deposited to your new checking account within 14 days after completing requirements.
Huntington: Business Checking Account - $400 Bonus
Open a new Huntington Unlimited Business Checking, Unlimited Plus Business Checking, Business Analyzed Checking, Non-Profit Analyzed Checking, or Non-Profit Interest Checking account. Make a minimum cumulative new money deposit into the new checking account of at least $5,000 within 60 days of account opening. Account must maintain an open status for at least 90 days to be eligible.
This offer is only available to applicants residing in Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, North Carolina, Ohio, Pennsylvania, South Carolina, West Virginia, or Wisconsin. This offer is only available to new business checking customers. All current Huntington business checking customers, including those with business checking accounts closed within the last six months, are not eligible. $400 bonus will be deposited to your new checking account within 14 days after completing requirements.
Open a new BMO Digital Business Checking, BMO Simple Business Checking, BMO Premium Business Checking, or BMO Elite Business Checking account online or at a branch. Account balance must be $25,000 or more on the 30th day after account opening. Balance in the account must be $25,000 or more from the 31st to the 90th day after opening the account.
Open a new BMO Digital Business Checking, BMO Simple Business Checking, BMO Premium Business Checking, or BMO Elite Business Checking account online or at a branch. Account balance must be $4,000 or more on the 30th day after account opening. Balance in the account must be $4,000 or more from the 31st to the 90th day after opening the account.
Wells Fargo: Business Checking Account - $400 Bonus
Open a new Wells Fargo Initiate Business Checking®, Navigate Business Checking®, or Optimize Business Checking® account. Use promo code at account opening. Promo code can be obtained by providing your email address. Make a deposit of $2,500 or more by day 30 and maintain a minimum daily collected balance of $2,500 through day 60 after account opening.
Open a new Business Simple Checking, Business Convenience Checking Plus, Business Interest Checking Plus, or Business Premier Checking account. Deposit a minimum of $2,500 within 25 days of account opening. Maintain a balance of $2,500 or more for an additional 90 days from the 25th day after account opening. Make 25 qualifying transactions across the first 3 statement cycles.
Open a new KeyBank Basic Business Checking or Key Business Reward Checking® account. Use promo code MDN12025 at account opening. Deposit a minimum of $25 at account opening. Make a total of $5,000 or more in deposits into your new qualifying checking account within 30 days of account opening. Maintain a balance of at least $5,000 for at least 90 consecutive days.
M&T Tailored Business Checking Account - $1,500 Bonus
Open a new M&T Tailored Business checking account. Use promo code BD at account opening. Maintain an average ledger balance of $100,000 or more in the third full calendar month after opening the account.
M&T Tailored Business Checking Account - $750 Bonus
Open a new M&T Tailored Business checking account. Use promo code BD at account opening. Maintain an average ledger balance of $30,000 - $99,999.99 in the third full calendar month after opening the account.
M&T Tailored Business Checking Account - $500 Bonus
Open a new M&T Tailored Business checking account. Use promo code BD at account opening. Maintain an average ledger balance of $15,000 - $29,999.99 in the third full calendar month after opening the account.
M&T Tailored Business Checking Account - $300 Bonus
Open a new M&T Tailored Business checking account. Use promo code BD at account opening. Maintain an average ledger balance of $5,000 - $14,999.99 in the third full calendar month after opening the account.
Citizens Bank: Business Checking Account - $750 Bonus
Open a new Business Advisor Checking® account. Deposit at least $30,000 in a single transaction and maintain at least $30,000 of that balance according to the required dates listed in the table in the offer page. Make 5 qualifying transactions in the two months stated in the table listed in the offer page.
Citizens Bank: Business Checking Account - $300 Bonus
Open a new Clearly Better Business Checking® account. Deposit at least $5,000 in a single transaction and maintain at least $5,000 of that balance according to the required dates in the table listed in the offer page. Make 5 qualifying transactions in the two months stated in the table listed in the offer page.
First National Bank of Omaha: Business Checking Account - $250 Bonus
Open a new Free Business Checking account. Use promo code 250BIZ at account opening. Make qualifying deposits totaling $1,000 or more OR make at least 10 qualifying debit card transactions within 31 days of account opening.
Blue Foundry Bank: Business Checking Account - $1,000 Bonus
Open a new Blue Carbon Business Checking Solutions account. Make deposits totaling $35,000 and maintain a balance of at least $35,000 at all times for 7 months.
KeyPoint Credit Union: Business Checking Account - $500 Bonus
Open a new eligible business checking account. Use promo code BUS25 at account opening. Maintain minimum average daily balance of $2,000 for 90 days following account opening date. Complete at least 20 POS purchases of $5 or more using your business debit card within 90 days of account opening.
North State Bank: Business Checking Account - $450 Bonus
Open a new Performance Business Checking account. Make 50 or more qualifying transactions in a statement cycle within 90-180 days of account opening. Qualifying transactions include debit card transactions (not including ATM transactions), ACH debits and credits, and deposits and payments made through Online Banking.
This offer is only available to customers who have received a previous account opening bonus related to a business checking account. Limit one business account opening bonus per physical address, and/or Federal Tax ID. Must be registered to do business in NC.
SouthState Bank: Business Checking Account - $400 Bonus
Open a new qualifying business checking account. Use promo code SB400 at account opening. Within 90 days of account opening, make 15 or more debit card purchases, or a total of at least $5,000 ACH credits.
MIDFLORIDA Credit Union: Business Checking Account - $300 Bonus
Open a new business checking account. Deposit a total of $5,000 or more in a calendar month for two of the first six months of account opening. Make 5 eligible transactions within 60 days of account opening. Enroll in online banking and eStatements.
Red Canoe Credit Union: Business Checking Account - $250 Bonus
Open a business shares account and an eligible business checking account. Use promo code NEW250 at account opening. Set up and receive direct deposit, or complete an average of 12 debit or POS transactions per month for 90 days. Account must be open and in good standing for 90 calendar days.
Ballston Spa National Bank: Business Checking Account - Up to $240 Bonus
Earn $100 when you open a new Business Checking or Free Small Business Checking account, and maintain a minimum average balance of $5,000 within 60 days of the account opening. Earn $50 when you enroll in Merchant Services. Earn $60 for enrolment in eStatements, Online Banking, Mobile Banking, and Bill Pay. Earn $15 when you make 5 purchases using BSNB business debit card. Earn $15 when you deposit a check using Mobile Banking.
Consumers Credit Union (Michigan): Business Checking Account - $200 Bonus
Direct Deposit Required:$1,500 or more monthly ACH
Minimum Deposit Required:$1,500 or more monthly ACH
Promotion Details
Open a qualifying business checking account. Set up and receive a monthly ACH of $1,500 or more to qualify for bonus. Account must remain open and in good standing for at least 6 months and receive eStatements.
This offer is valid only for business accounts using comparable services offered by Consumers Credit Union.
Community First Credit Union: Business Checking Account - $200 Bonus
Open a new Connections Business Checking account and earn $200 bonus. New members must open a share account with a minimum $5 initial deposit (share account is required for membership).
1st United Credit Union: Business Checking Account - $200 Bonus
Open a new Business Interest Checking account. Earn $100 when you open a Merchant Services. Earn $50 when you complete at least 3 recurring automatic transfers from this account to a TBK Bank savings or money market account. Earn $25 when you get a business debit card and make at least one point-of-sale. Earn $25 when you open and fund an AIM or Everyday consumer checking account. All activities must be completed within 120 days from account opening.
TBK Bank: Business Checking Account - Up to $150 Bonus
Open a new Business Checking account. Earn $75 when you open Merchant Services. Earn $25 when you complete at least 3 recurring automatic transfers from this account to a TBK Bank savings or money market account. Earn $25 when you get a business debit card and make at least one point-of-sale. Earn $25 when you open and fund an AIM or Everyday consumer checking account. All activities must be completed within 120 days from account opening.
Community First Credit Union: Business Checking Account - $100 Bonus
Open a new Premier Business Checking account and earn $100 bonus. New members must open a share account with a minimum $5 initial deposit (share account is required for membership).
BrightStar Credit Union: Business Checking Account - $100 Bonus
Open a new Business Checking Account. Enroll in e-Statements, and complete at least 4 transactions per month for 7 months. Account must remain active for the entire 7 months. New membership and new checking account must be established at the same time.
Technology Credit Union: Business Checking Account - $100 Bonus
Open a new Tech CU Business Basic Checking or Tech CU Business Interest Checking account. Set up merchant services through US Merchant Systems. Meet other security and and credit requirements to qualify.
Freedom Federal Credit Union: Business Checking Account - $100 Bonus
Open a new qualifying business checking account. Deposit $100 or more within 90 days of account opening. Business checking account must be opened along with a new Freedom Business Banking membership.
This offer is available only to members of Harford County Association of REALTORS (HCAR).
TBK Bank: Business Checking Account - Up to $100 Bonus
Open a new Business Basic Checking account. Earn $25 when you open Merchant Services. Earn $25 when you complete at least 3 recurring automatic transfers from this account to a TBK Bank savings or money market account. Earn $25 when you get a business debit card and make at least one point-of-sale. Earn $25 when you open and fund an AIM or Everyday consumer checking account. All activities must be completed within 120 days from account opening.
Community First Credit Union: Business Checking Account - $50 Bonus
Open a new Classic Business Checking account and earn $50 bonus. New members must open a share account with a minimum $5 initial deposit (share account is required for membership).
North State Bank: Business Checking Account - $50 Bonus
Open a new Community Non-Profit Checking account. Make 20 or more qualifying transactions in a statement cycle within 90-180 days of account opening. Qualifying transactions include debit card transactions (not including ATM transactions), ACH debits and credits, and deposits and payments made through Online Banking.
This offer is only available to customers who have received a previous account opening bonus related to a business checking account. Limit one business account opening bonus per physical address, and/or Federal Tax ID. Must be registered to do business in NC.
Banner Bank: Business Checking and Savings Account - $600 Bonus
Open a new Banner Bank Basic Business Checking, Complete Business Checking (with or without interest) or Complete Plus Business Checking account. Use offer code 2025DP at account opening. Deposit $25,000 or more within 30 calendar days of account opening. Maintain a minimum daily balance of $25,000 or more for 90 days.
Open a new Banner Bank Business Savings, Business Money Market, Banner's Best Business Savings account, or a High-Yield Relationship Savings account at the same time as the checking account. Use offer code 2025DP at account opening. Deposit a total of $1,000 or more in new money within 30 days of account opening. Maintain a minimum daily balance of $1,000 or more for 90 days.
Banner Bank: Business Checking Account - $500 Bonus
Open a new Banner Bank Basic Business Checking, Complete Business Checking (with or without interest) or Complete Plus Business Checking account. Use offer code 2025DP at account opening. Deposit $25,000 or more within 30 calendar days of account opening. Maintain a minimum daily balance of $25,000 or more for 90 days.
Achieva Credit Union: Business Checking Account - $400 Bonus
Open a new Performance Interest Checking account. Deposit 10,000 or more into the account within 15 days of account opening. Maintain a balance of $10,000 or more in the account for at least 90 days. Make 15 debit transactions within 90 days of offer enrollment. Enroll in Business Online Banking.
Dedham Savings: Business Checking Account - $300 Bonus
Open a new Basic Business Checking, Business Interest Checking, Community Checking, Treasury Management Checking, or Municipal Checking account. Deposit $2,000 or more in new money within 30 days of account opening. Maintain a balance of $2,000 or more for 60 days. Make 5 qualifying transactions within 60 days of account opening.
Achieva Credit Union: Business Checking Account - $250 Bonus
Open a new Essential Checking account. Deposit 5,000 or more into the account within 15 days of account opening. Maintain a balance of $5,000 or more in the account for at least 90 days. Make 15 debit transactions within 90 days of offer enrollment. Enroll in Business Online Banking.
Republic Bank: Business Checking Account - $200 Bonus
Open a new business checking account. Use promo code MKT at account opening. Conduct a combination of 5 or more transactions within any of the first three statement cycles: direct deposit of at least $100, a Bill Pay Debit of $25 or more, POS debit of at least $10, or an ACH debit of at least $25.
Banner Bank: Business Checking and Savings Account - $200 Bonus
Open a new Banner Bank Basic Business Checking, Complete Business Checking (with or without interest) or Complete Plus Business Checking account. Use offer code 2025DP at account opening. Deposit $1,000 or more within 30 calendar days of account opening. Maintain a minimum daily balance of $1,000 or more for 90 days.
Open a new Banner Bank Business Savings, Business Money Market, Banner's Best Business Savings account, or a High-Yield Relationship Savings account the same time as the checking account. Use offer code 2025DP at account opening. Deposit a total of $1,000 or more in new money within 30 days of account opening. Maintain a minimum daily balance of $1,000 or more for 90 days.
Banner Bank: Business Checking Account - $100 Bonus
Open a new Banner Bank Basic Business Checking, Complete Business Checking (with or without interest) or Complete Plus Business Checking account. Use offer code 2025DP at account opening. Deposit $1,000 or more within 30 calendar days of account opening. Maintain a minimum daily balance of $1,000 or more for 90 days.
Hanmi Bank: Business Checking Account - $2,000 Bonus
Open a new business checking account. Enroll in uChoose Rewards within 30 days of account opening. Earn 200,000 uChoose Rewards® points when you maintain a 3-month average daily balance of $100,000 for the first three full months to qualify for the bonus points. Cash value of 100 uChoose Rewards® points is $1.
Hanmi Bank: Business Checking Account - $1,000 Bonus
Open a new business checking account. Enroll in uChoose Rewards within 30 days of account opening. Earn 100,000 uChoose Rewards® points when you maintain a 3-month average daily balance of $50,000 for the first three full months to qualify for the bonus points. Cash value of 100 uChoose Rewards® points is $1.
Open a new Basic Business Checking account. Earn $300 when you fund the account with at least $1,000 or earn $600 when you fund the account with at least $25,000 within 5 business days of account opening. Business checking account must have a daily balance of at least $1,000 or $25,000 on November 4, 2025 to qualify for a corresponding bonus. Apply and activate an S&T Bank business debit card by November 4, 2025. Account must remain open with balance more than $0 on November 4, 2025 and must never been overdrawn to qualify for bonus.
Open a new S&T Payment Processing account through Elavon. Account must have accepted payments, settled and funded by Elavon and remain open through November 4, 2025.
Open a new Basic Business Checking account. Fund account with $25,000 or more within 5 business days of account opening. Business checking account must have a daily balance of $25,000 or more on November 4, 2025. Apply and activate an S&T Bank business debit card by November 4, 2025. Account must remain open with balance more than $0 on November 4, 2025 and must never been overdrawn to qualify for bonus.
Open a new Basic Business Checking account. Fund account with $1,000 or more within 5 business days of account opening. Business checking account must have a daily balance of $1,000 or more on November 4, 2025. Apply and activate an S&T Bank business debit card by November 4, 2025. Account must remain open with balance more than $0 on November 4, 2025 and must never been overdrawn to qualify for bonus.
Why Open a Business Checking Account?
A separate business banking account is required for LLCs and corporations. But even if you don't operate as one of these, here are some advantages of a business banking account:
Easier Bookkeeping It will get very hard during tax time if you mix your personal and business transactions. A separate business account will provide a clear trail of your business activities for yourself and the IRS.[1]
Professionalism Your customers can make checks out to your business instead of to you. You can also pay for business expenses with a business card or checks. And when it's tax time, you can make the tax payment out of your business account.
Purchase Power A lot of bank business accounts will also give you access to their business credit cards. This gives you more purchasing power if you have startup costs or need to make a large purchase.
Access to funding You need a business bank account if you'll ever apply for a business loan. You never know when you might need a loan to expand your business or to keep it afloat during hard times.
Automatically find tax write-offs and track expenses
Auto-save for taxes
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Found is a financial technology company, not a bank. Banking services are provided by Piermont Bank, Member FDIC. The Found Mastercard® Debit Card is issued by Piermont Bank, Member FDIC.
You can often find bank promotions for opening a new business checking account. These offers will usually be a cash bonus with a certain minimum deposit. The terms will usually be:
Open a new account through a certain offer link.
Earn a cash bonus after you complete a qualifying deposit within a certain number of days.
Maintain that balance for a certain number of days.
Receive your cash bonus after these qualifying activities are complete. The money will be deposited into your account.
We keep a list of the latest business promotions, so keep your eye out on our page. If you see a bonus offer, we will provide the promo code and details. Be aware of when the offer expires and act on it quick.
What banks are offering money to open business checking accounts? These banks often offer business checking bonuses:
Wells Fargo: Business Checking Account - $400 Bonus
What To Look for in a Business Account
What bank has the best business account? Picking the right bank for your business is important. Aside from just checking, your bank should be able to provide solutions to help your business grow (such as credit card offers and business loans).
Here are some factors to consider:
Monthly fees and balance requirements Most traditional banks have a monthly service fee. You'll have to maintain a minimum balance or complete deposit requirements in order to waive the monthly fees. Can you meet that requirement?
What's the most you're willing to keep as a monthly balance?
Small or large bank Large national banks are more convenient and may have more options. But small local banks or credit unions offer more personalized service.
If you don't need in-person banking services, you may even want to consider an online bank, which often have less fees and lower requirements.
Number of transactions How many transactions do you expect each month? Most banks offer a limited amount of free monthly transactions. See if the checking account meets your transaction and deposit needs.
Additional services and benefits Will you potentially want a loan in the future? Or merchant services and payroll programs? If so, look for a bank that offers these services to small business owners. Having a personal relationship with your bank may help you obtain these services.
Here are other things to consider when opening a business checking account:
Introductory offers
Interest rates
Transaction fees
Early termination fees
Account maintenance and minimum balance
ATM access
FDIC Insurance
Frequently Asked Questions
Can I use my personal bank account for business? Sole proprietors are not legally required to have a business bank account. So technically, you can conduct both personal and business transactions from your personal account.
However, a separate business account will be helpful to keep expenses separate for tax reasons. LLCs, corporations, and DBAs are required to have a separate business bank account.
Do I have to be an LLC to open a business checking account? Nope. Sole proprietors can open a business checking account with their SSN or tax ID.
As a sole proprietor, you can operate the business under your own name and don't even need to be registered. This works for self-employed individuals or small home businesses.
How long does it take to open a business checking account? Many banks let you open a business checking account online, so you can fill out the application in minutes. You may then be required to send in additional supporting documents.
Once the application is approved, your new account could be up and running in as little as 3-5 business days. For the smoothest process, make sure to have all the required documentation ready when you apply.
How much money do I need to open a business checking account? Each bank will have their own deposit requirements for their business checking accounts. It could be $0 or as low as just $25. More premium accounts may require higher opening deposits.
Watch out for any service fees. Some banks may require that you maintain a certain balance to avoid a monthly service fee.
Can I open a business bank account with bad credit? Banks check your banking history and credit report when considering you for a new banking product. If you have a history of overdrafts or bank debts, it could be hard for you to get approved for a business bank account—especially as a sole proprietor.
For those with bad credit, forming an LLC could help. This action separates the business from your personal accounts.
There are banks that offer business accounts to those with bad credit. You'll need to ask around if there are options for you. Credit unions are also usually more lenient with their requirements.
What the Experts Say
As part of our series on small businesses and banking, CreditDonkey asked a panel of industry experts to answer readers' most pressing questions. Here's what they said:
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