The short answer · checked October 25, 2026

  • 30 business checking bonuses are live as of October 25, 2026, each read on the bank’s or provider’s own offer page. 15 are open nationwide and 15 only in certain states.
  • Most money for a small deposit: Chase pays $400 for $2,000 of new money held 60 days plus 5 transactions, which is $200 per $1,000 deposited. PNC matches that ratio, but only in its branch states.
  • Biggest nationwide bonus for $25,000: U.S. Bank pays $1,200 for $25,000 held 60 days plus 6 transactions. Bank of America goes up to $2,500, but only for $200,000 of new money kept to day 90.
  • No-fee fintech accounts: Bluevine pays $500 with code VYDE500 (hold $5,000 from day 31 to day 120 plus monthly activity). Found pays $200 when $2,000 of business income lands within 60 days.
  • Ending soon: Associated Bank and TD Bank on October 31, KeyBank on November 6, Wells Fargo on November 10, Citizens on November 15, M&T and the Bank of America tiered offer on November 30, 2026.
  • Taxes: a bank bonus is taxable interest, normally reported on Form 1099-INT (some banks use Form 1099-MISC). It is taxable even if no form arrives.
The answer in 3 sentences

Right now 30 US business checking accounts pay a sign-up bonus, from $200 at Axos and Found to $2,500 at Bank of America, and the best value for a small balance is Chase’s $400 for $2,000. Almost every offer wants new money from outside the bank, kept for 60 to 90 days, often plus a few transactions. Half the offers are limited to the bank’s branch states, the bonus is taxable interest, and closing the account early can cost you the bonus or a fee.

This page is for US sole proprietors, LLC owners and small corporations who want to be paid for opening a business checking account. It is a live tracker: an offer drops off the list when its end date passes.

By the end you will know which offer fits the cash you can set aside, which ones you can open in your state, the steps that make or break a payout, and how the bonus is taxed.

Which business checking accounts pay a bonus right now?

All live offers, sorted by top amount. Each card shows the steps, the end date, who holds the deposits and when we last read the terms.

Citizens Bank
Business Advisor or Clearly Better Business Checking + Business Savings
$3,000plus 4 months free

Earn up to $3,000 over 12 months: up to $100/month in gas purchases refunded on Business Advisor Checking ($50 on Clearly Better) when $1,000+ is deposited each month, plus $50-$150/month on a new business savings account holding $15,000-$40,000+.

  1. Open a first new Clearly Better Business Checking or Business Advisor Checking account and a new Business Savings account on the same day between 2026-10-01 and 2026-11-15.
  2. Checking bonus, each calendar month for 12 months: deposits totaling $1,000+ must post to the new checking account, and you must make fuel purchases (merchant category codes 5541/5542) with the Citizens debit card. The monthly bonus equals the fuel spend, capped at $100 (Business Advisor, $1,200 max) or $50 (Clearly Better, $600 max).
  3. Savings bonus: make one single deposit of $15,000+ in new money from an external source within 10 business days of opening the savings account. Each month, earn $50 if the end-of-day balance is $15,000-$39,999.99 or $150 if it is $40,000+, for up to 12 months ($1,800 max).
  4. Both accounts must stay open and in good standing through each payout; each monthly bonus is paid on the last day of the following month.
Ends November 15, 2026 FDIC insured Checked October 25, 2026 Terms Offer page
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Bank of America
Business Advantage Fundamentals or Relationship Banking (tiered offer)
$2,500plus 12 months free

Earn $400 to $2,500 depending on how much new money you deposit within 30 days ($5,000 to $200,000+), kept from day 31 to day 90.

  1. Enroll online through the offer page or with a Bank of America associate, and open a new Business Advantage Fundamentals or Relationship Banking account by November 30, 2026.
  2. Deposit New Money (not already held at Bank of America or Merrill) into the new account within 30 days of opening. The total sets your tier: $5,000–$14,999 = $400; $15,000–$49,999 = $700; $50,000–$99,999 = $1,000; $100,000–$199,999 = $1,500; $200,000+ = $2,500.
  3. Keep a daily balance of at least your tier's minimum from day 31 after enrollment to day 90 after opening. A dip moves you to a lower tier; below $5,000 on any day means no bonus.
  4. Cannot be combined with any other checking bonus offer, including the online-only $400/$750 offer.
Ends November 30, 2026 FDIC insured Checked October 25, 2026 Terms Offer page
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M&T Bank
Business Essential, Plus or Premium Checking
$1,500plus 3 months free

Earn $300 to $1,500 with promo code BD for a new M&T business checking account, based on the average ledger balance in the third full calendar month after opening ($5,000 to $100,000+).

  1. Open a new Business Essential, Business Plus or Business Premium Checking account between 2026-10-01 and 2026-11-30 with promo code BD (applied automatically online; for a branch, email yourself the bonus coupon from the offer page).
  2. Hold an average ledger balance in the third full calendar month after opening of $5,000-$14,999.99 ($300), $15,000-$29,999.99 ($500), $30,000-$99,999.99 ($750) or $100,000+ ($1,500).
  3. There is no transaction requirement.
  4. Keep the account open at least six months: the bonus is deducted if you or M&T close the account within six months of opening, and a $50 account closure fee may apply.
Ends November 30, 2026 FDIC insured Checked October 25, 2026 Terms Offer page
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BOK Financial
Business Access / Business Advantage Checking (Colorado)
$1,500plus 3 months free

Colorado businesses earn $500, $1,000 or $1,500 for depositing $5,000, $25,000 or $100,000 in new money within 30 days and holding that average balance for the next 60 days.

  1. Open a new Business Access ($500 tier) or Business Advantage ($1,000 and $1,500 tiers) checking account by 2026-12-31.
  2. Deposit new money within 30 days of opening: $5,000+ (Access, $500), $25,000+ (Advantage, $1,000) or $100,000+ (Advantage, $1,500).
  3. Keep an average daily balance at or above the tier amount for the following 60 days.
  4. The account must be open and in good standing when the bonus is credited, within 30 days after the 60-day period.
Ends December 31, 2026 FDIC insured Checked October 25, 2026 Terms Offer page
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BMO
Digital, Simple, Premium or Elite Business Checking
$1,500bonus

Earn $400 to $1,500 for a new BMO business checking account, depending on whether the balance on day 30 is $4,000, $25,000, $50,000 or $100,000 and is held through day 90.

  1. Open a new BMO Digital, Simple, Premium or Elite Business Checking account online or in a branch between 2026-09-01 and 2027-02-01 (online applications on 2027-02-01 must be submitted before 9:00 p.m. CT). Online, the promo code is applied automatically; for a branch, request the code on the offer page first.
  2. On day 30 after opening, have a balance of at least $4,000 ($400), $25,000 ($750), $50,000 ($1,000) or $100,000 ($1,500).
  3. Keep the balance at or above your tier minimum every day from day 31 through day 90. Dropping below pays the lowest tier your balance fell to; rising above does not pay a higher tier.
  4. The account must be open, in good standing and above $0 on the payment date (about day 104). Minimum opening deposit is $100.
Ends February 1, 2027 FDIC insured Checked October 25, 2026 Terms Offer page
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U.S. Bank
Platinum Business Checking Package
$1,200bonus

Earn $1,200 when you open Platinum Business Checking with promo code Q4DIG26, deposit $25,000 in new money within 30 days, keep it for 60 days and make 6 qualifying transactions.

  1. Open a new U.S. Bank Platinum Business Checking account between 2026-09-28 and 2027-01-13 using promo code Q4DIG26 (applied automatically from the offer page). Minimum opening deposit is $25.
  2. Deposit at least $25,000 in new money (from outside U.S. Bank) within 30 days of account opening.
  3. Keep a daily balance of at least $25,000 for 60 days after opening, measured at the end of each business day. Account fees can pull the balance below the requirement.
  4. Complete 6 qualifying transactions within 60 days of opening: debit card purchases, ACH or wire credits/debits, Zelle, mobile check deposits, check debits, U.S. Bank bill pay or U.S. Bank Payment Solutions deposits. Transfers between U.S. Bank accounts and payments to U.S. Bank credit cards do not count.
Ends January 13, 2027 FDIC insured Checked October 25, 2026 Terms Offer page
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KeyBank
Key Business Reward Checking
$1,000plus 2 months free

Earn $1,000 when you open Key Business Reward Checking with a banker by 6 Nov 2026, deposit $25,000 within 30 days and keep $25,000 for 90 consecutive days.

  1. Open a new Key Business Reward Checking account with a banker (by appointment) by 2026-11-06. Minimum opening deposit is $25.
  2. Make total deposits of $25,000 or more within 30 days of opening.
  3. Keep an end-of-day balance of at least $25,000 for 90 consecutive days from the day you first reach it. Falling below $25,000 at any time disqualifies you.
  4. The account must not be closed when the bonus is paid (within 60 days of meeting requirements).
Ends November 6, 2026 FDIC insured Checked October 25, 2026 Terms Offer page
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Huntington Bank
Unlimited Plus Business Checking
$1,000bonus

Earn $1,000 when you open Unlimited Plus Business Checking from the offer page, deposit $20,000 in new money within 30 days and keep $20,000 for the next 60 days.

  1. Open a new Unlimited Plus Business Checking account by 2027-02-11 by clicking Apply Online or Open at a Branch on the offer page (that is what attaches the promo code).
  2. Make total new-money deposits of $20,000 or more within 30 days of opening. Transfers from other Huntington accounts do not count.
  3. Keep a daily balance of $20,000 or more for 60 days after meeting the deposit requirement.
  4. Keep the account open for at least 90 days; the bonus is paid within 14 days of meeting the requirements.
Ends February 11, 2027 FDIC insured Checked October 25, 2026 Terms Offer page
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PNC Bank
Treasury Enterprise Plan or Analysis Business Checking
$1,000bonus

Earn $1,000 when you open a Treasury Enterprise Plan or Analysis Business Checking account and keep a $30,000 average ledger balance over the first three statement cycles.

  1. Open a new PNC Treasury Enterprise Plan or Analysis Business Checking account between 2026-10-01 and 2026-12-31 (the FAQ cites an earlier start date of 2026-09-30).
  2. Keep an average ledger balance of at least $30,000 in the master account during the first three statement cycles. Linked beneficiary accounts do not count.
  3. Stay in the product you opened and keep the account open; the reward is credited within 90 days after the conditions are met.
Ends December 31, 2026 FDIC insured Checked October 25, 2026 Terms Offer page
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SouthState Bank
Business checking (Small Business, Business Gold, Community, Commercial)
$1,000bonus

Earn $400 with code LEVELUP for 15 debit card purchases or $5,000 in ACH credits within 90 days, plus up to $600 more for a $50,000 balance, Treasury Management and Merchant Services.

  1. Open a new SouthState business checking account (IOTA/IOLTA and Association Checking excluded) with promo code LEVELUP. Minimum branch opening deposit is $50.
  2. Within 90 days of opening, make 15+ posted debit card purchases, or receive cumulative ACH credits of at least $5,000 (mobile, ATM, branch and instant-payment deposits do not count). This earns $400.
  3. Optional extra $200: available balance of $50,000+ at the end of the 90-day period.
  4. Optional extra $200: be enrolled in eligible Treasury Services (Treasury Navigator agreement) at the end of the period; extra fees may apply.
No end date stated FDIC insured Checked October 25, 2026 Terms Offer page
Wells Fargo
Initiate Business Checking
$825bonus

Earn $400, $550 or $825 for a new Wells Fargo business checking account by depositing $2,500, $10,000 or $25,000 by day 30, holding it through day 60 and making 5 qualifying transactions.

  1. Open a new business checking account by 2026-11-10: Initiate online (code applied automatically), or Initiate, Navigate or Optimize in a branch using the emailed offer code. Minimum opening deposit is $25.
  2. Deposit by day 30: $2,500-$9,999 ($400), $10,000-$24,999 ($550) or $25,000+ ($825). Funds added after day 30 do not raise the tier.
  3. Keep the balance through day 60; dropping to a lower tier reduces the bonus.
  4. Complete 5 or more qualifying posted transactions within the 60 days (debit card purchases, Bill Pay, mobile/ATM/branch/ACH/wire deposits). Zelle, RTP/FedNow, withdrawals and transfers between Wells Fargo accounts do not count.
Ends November 10, 2026 FDIC insured Checked October 25, 2026 Terms Offer page
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Truist
Simple or Dynamic Business Checking
$800bonus

Earn $400 for depositing $2,500 (or $800 for $10,000) within 30 days of opening Truist Simple or Dynamic Business Checking and keeping that balance from day 30 to day 90.

  1. Open a new Truist Simple Business Checking or Dynamic Business Checking account between 2026-07-14 and 2027-03-24 and enter the single-use promo code at opening. Minimum opening deposit is $100.
  2. Deposit at least $2,500 ($400) or $10,000 ($800) within 30 days of opening.
  3. Keep a daily current balance of at least that amount every day from day 30 through day 90. If a $10,000 balance dips below $10,000, you still get $400 if it stays above $2,500.
  4. The $800 is paid as two $400 instalments; the account must not be at $0, negative, restricted or closed at payout.
Ends March 24, 2027 FDIC insured Checked October 25, 2026 Terms Offer page
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Bank of America
Business Advantage Fundamentals or Relationship Banking
$750plus 12 months free

Earn $400 for $5,000 (or $750 for $15,000) in new money deposited within 30 days of opening Business Advantage Banking online, held from day 31 to day 90.

  1. Open a new Business Advantage Fundamentals or Business Advantage Relationship Banking account online through the offer page by 2026-12-31 (promo code SMACIS is carried in the application link).
  2. Deposit new money directly into the new account within 30 days of opening: $5,000 for $400 or $15,000 for $750. Transfers from other Bank of America or Merrill accounts do not count.
  3. Keep a daily balance of at least the tier amount from day 31 to day 90. If it drops below $15,000 you may still get $400; below $5,000 you get nothing.
  4. The account must be open and in good standing when the bonus is paid (within 60 days after requirements are met). A valid W-9 or W-8 is required.
Ends December 31, 2026 FDIC insured Checked October 25, 2026 Terms Offer page
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Associated Bank
Business Access, Balanced or Choice Checking
$750bonus

Earn $100, $400 or $750 by depositing $2,000, $5,000 or $20,000 in new money within 30 days of opening (product-dependent) and keeping it from day 31 to day 90; offer ends 31 Oct 2026.

  1. Open and fund a new Associated Bank business checking account by 2026-10-31 (minimum opening deposit $100); branch customers need the offer code from the page.
  2. Business Access Checking: deposit $2,000 in new money within 30 days and keep a $2,000 minimum daily balance from day 31 to day 90 ($100).
  3. Business Balanced Checking: deposit $5,000 in new money within 30 days and keep $5,000 from day 31 to day 90 ($400).
  4. Business Choice Checking: deposit $20,000 in new money within 30 days and keep $20,000 from day 31 to day 90 ($750).
Ends October 31, 2026 FDIC insured Checked October 25, 2026 Terms Offer page
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Bluevine
Bluevine Business Checking
$500plus 3 months free

Earn $500 with referral code VYDE500: fund the account within 30 days, keep $5,000 from day 31 to day 120 and each 30 days for 90 days spend $2,000 on the debit card, receive $5,000 merchant deposits or run $5,000 of payroll.

  1. Apply for and open a Bluevine Business Checking account with a bonus referral code (e.g. VYDE500) between 2026-03-24 and 2027-01-31 (11:59:59 p.m. ET).
  2. Fund the account within 30 days of opening (the partner page says deposit a total of $5,000 within the first 30 days).
  3. Keep a minimum daily balance of $5,000 from day 31 to day 120 after opening.
  4. In each 30-day period for 90 days starting on day 31, do at least one of: receive $5,000+ from eligible merchant services, pay $5,000+ through eligible payroll providers, or spend $2,000+ on eligible business purchases with the Bluevine debit card.
Ends January 31, 2027 Not FDIC insured Checked October 25, 2026 Terms Offer page
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Hancock Whitney
Essential, Preferred or Interest Business Checking
$500bonus

Earn $500 with code 2034SBCK26 when you deposit $5,000 in new money within 30 days of opening Hancock Whitney business checking and keep $5,000 from day 31 to day 90.

  1. Open a new Essential, Preferred or Interest Business Checking account with promo code 2034SBCK26 before 2027-02-28.
  2. Deposit $5,000 in new money (not already at Hancock Whitney) within 30 days of opening.
  3. Keep a minimum daily balance of $5,000 from day 31 to day 90.
  4. The account must be open with a positive balance when the bonus is paid (within 135 days of opening).
Ends February 28, 2027 FDIC insured Checked October 25, 2026 Terms Offer page
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Fulton Bank
Business Checking
$500bonus

Earn $500 with code 26BIZ500 when you deposit $5,000 in new money within 60 days of opening a free Fulton Bank Business Checking account and enrol in online statements.

  1. Open a new Fulton Bank Business Checking account between 2026-01-08 and 2026-12-31, reached via a Fulton digital ad/offer page or with coupon 26BIZ500 in a financial center. Minimum opening deposit online is $25.
  2. Deposit at least $5,000 in new money (one deposit or cumulative) within 60 days of opening. Transfers from other Fulton accounts, refunds and micro-deposits do not count.
  3. Enrol in Online Statements within 60 days of opening.
  4. The account must be open when the bonus is paid (4-6 weeks after conditions are met). There is no minimum balance to hold.
Ends December 31, 2026 FDIC insured Checked October 25, 2026 Terms Offer page
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Chase
Business Complete Checking
$500bonus

Earn $500 for $10,000 (or $400 for $2,000) in new money deposited within 30 days of offer enrollment and held for 60 days, plus 5 qualifying transactions within 90 days.

  1. Get the offer code by entering your email on the offer page and open a new Chase Business Complete Checking account between 2026-09-15 and 2027-01-21.
  2. Deposit new money (not already at Chase or its affiliates) within 30 days of offer enrollment: $2,000 for $400 or $10,000 for $500.
  3. Keep that balance for 60 days from offer enrollment; falling below may reduce or cancel the bonus.
  4. Complete 5 qualifying transactions within 90 days of offer enrollment: debit card purchases, QuickDeposit, ACH credits, wires, Chase Online Bill Pay or QuickAccept. ACH debits, Zelle and transfers to Chase credit cards do not count.
Ends January 21, 2027 FDIC insured Checked October 25, 2026 Terms Offer page
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Capital One
Basic or Enhanced Business Checking
$500bonus

Earn $500 with code SBOFFER500 when you deposit $5,000 from an external source within 30 days, keep $5,000 for 60 of the first 90 days and make 10 qualifying electronic transactions.

  1. Apply online for a new Capital One Basic or Enhanced Business Checking account using promo code SBOFFER500.
  2. Deposit at least $5,000 from an external source within 30 days of opening. Transfers between Capital One accounts do not count.
  3. Keep a minimum end-of-day balance of $5,000 for at least 60 days within the first 90 days.
  4. Complete 10 qualifying electronic transactions within 90 days: wires, remote check deposits, ACH, or instant transfers from non-Capital One accounts.
No end date stated FDIC insured Checked October 25, 2026 Terms Offer page
Found
Found Business Banking (Faire sellers)
$500bonus

Faire sellers earn $250 after $2,500 of Faire payouts into a new Found account, and another $250 after a further $2,500, using code FAIRE500 within 60 days of opening.

  1. Sign up for Found through found.com/faire500 or with promo code FAIRE500 by 2026-12-31.
  2. Update your Faire payout settings to the new Found account.
  3. Receive $2,500 in Faire deposits for the first $250, and another $2,500 for the second $250.
  4. Complete the deposits within 60 days of account creation; keep the account open and in good standing.
Ends December 31, 2026 Not FDIC insured Checked October 25, 2026 Terms Offer page
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U.S. Bank
Business Essentials Checking
$400bonus

Earn $400 when you open Business Essentials with promo code Q4DIG26, deposit $5,000 in new money within 30 days, keep it for 60 days and make 6 qualifying transactions.

  1. Open a new U.S. Bank Business Essentials account between 2026-09-28 and 2027-01-13 using promo code Q4DIG26. Minimum opening deposit is $25.
  2. Deposit at least $5,000 in new money (from outside U.S. Bank) within 30 days of account opening.
  3. Keep a daily balance of at least $5,000 for 60 days after opening.
  4. Complete 6 qualifying transactions within 60 days of opening (debit card purchases, ACH/wire, Zelle, mobile deposits, check debits, bill pay). Transfers between U.S. Bank accounts do not count.
Ends January 13, 2027 FDIC insured Checked October 25, 2026 Terms Offer page
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Huntington Bank
Unlimited Business Checking
$400bonus

Earn $400 when you open Unlimited Business Checking from the offer page and deposit $5,000 in new money within 60 days, with no balance-hold requirement beyond keeping the account open 90 days.

  1. Open a new Unlimited Business Checking account (Business Analyzed, Non Profit Analyzed and Non Profit Interest Checking also qualify) by 2027-02-11 via the Apply buttons on the offer page.
  2. Make total new-money deposits of $5,000 or more within 60 days of opening. Transfers from other Huntington accounts do not count.
  3. Keep the account open for 90 days; the bonus is paid within 14 days of meeting the requirements.
Ends February 11, 2027 FDIC insured Checked October 25, 2026 Terms Offer page
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PNC Bank
Business Checking or Business Checking Plus
$400bonus

Earn $400 when you open PNC Business Checking (or Plus), keep a $2,000 average ledger balance over the first three statement cycles and make 10 qualifying transactions.

  1. Open a new PNC Business Checking or Business Checking Plus account between 2026-10-01 and 2026-12-31. Minimum opening deposit is $100.
  2. Keep an average ledger balance of at least $2,000 over the first three statement cycles.
  3. Make at least 10 qualifying transactions (Visa Business debit purchases, ACH/wire/Zelle debits or credits, online bill pay, remote deposits, merchant deposits, checks written or deposited).
  4. Keep the account open and in the same product until the reward is credited (within 90 days after conditions are met).
Ends December 31, 2026 FDIC insured Checked October 25, 2026 Terms Offer page
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American Express
Amex Business Checking
$350bonus

Earn 35,000 Membership Rewards points (valued here at $350) by depositing $5,000 within 30 days, keeping a $5,000 average balance for 60 days and making 5 qualifying transactions within 60 days.

  1. Open your first American Express Business Checking account.
  2. Make eligible deposits totaling $5,000 or more that post within 30 days of opening. Transfers from other Amex deposit accounts, interest, points-for-deposit redemptions and Zelle do not count.
  3. Keep an average daily balance of at least $5,000 for 60 consecutive days starting when eligible deposits reach $5,000.
  4. Complete 5 qualifying transactions within 60 days of opening: mobile deposits, checks by mail, ACH, wire or bill pay. Debit card transactions and Zelle do not count.
No end date stated FDIC insured Checked October 25, 2026 Terms Offer page
MidFirst Bank
Momentum Business Checking
$300bonus

Earn $300 when you open Momentum Business Checking in an Arizona, Oklahoma or Texas branch and keep a $7,500 average ledger balance during the first 90 days.

  1. Open a new Momentum Business Checking account at a MidFirst banking center in AZ, OK or TX between 2026-06-01 and 2026-12-31.
  2. Keep an average ledger balance of at least $7,500 during the first 90 days.
  3. Keep the account open, active and in good standing until the credit posts (within 110 days of opening); accounts closed within 90 days may pay a closing fee and forfeit the offer.
Ends December 31, 2026 FDIC insured Checked October 25, 2026 Terms Offer page
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Found
Found Business Banking
$250bonus

Earn $250 with code 1800ACCOUNTANT once $2,500 in Stripe or Square deposits reaches a new Found account.

  1. Sign up for Found through found.com/1800accountant or with promo code 1800ACCOUNTANT by 2026-12-31.
  2. Receive $2,500 in deposits from Stripe or Square into the Found account.
  3. Keep the account in good standing (not dormant, cancelled or closed) until the bonus is credited.
Ends December 31, 2026 Not FDIC insured Checked October 25, 2026 Terms Offer page
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Mercury
Mercury Business Checking
$250bonus

Earn $250 (and the referrer gets $250) when you open a Mercury business account through a customer's referral link and hold at least $10,000 for one full business day within the first 90 days.

  1. Open a new Mercury business account using an existing customer's unique referral link.
  2. Deposit and maintain a balance of at least $10,000 for at least one full business day during your first 90 days.
  3. Keep the account open and in good standing until payout (usually the Monday after requirements are met).
No end date stated Not FDIC insured Checked October 25, 2026 Terms Offer page
Found
Found Business Banking
$200bonus

Earn $200 with code MILEIQ when you receive $2,000 or more into a new Found account within 60 days of opening.

  1. Sign up for Found through found.com/mileiq or with promo code MILEIQ by 2026-12-31.
  2. Link the new account wherever you earn business income and receive $2,000 or more into it within 60 days of account creation.
  3. Keep the account in good standing until the bonus is credited.
Ends December 31, 2026 Not FDIC insured Checked October 25, 2026 Terms Offer page
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Axos Bank
Basic Business Checking
$200bonus

New businesses (formed less than a year ago) earn up to $200 with code START200: $50 for each of four of the first five statement cycles with an average daily balance of at least $3,000.

  1. Apply for Axos Basic Business Checking with promo code START200 between 2025-01-30 and 2027-01-31 (11:59 p.m. PT).
  2. Be approved and fund the account within 60 days, or it is closed automatically.
  3. Keep an average daily balance of at least $3,000 in a statement cycle (calendar month) to earn $50; earn it in any four of the first five cycles, including the opening month ($200 max).
  4. Keep the account open 180 days or an early closure fee of up to $200 may apply.
Ends January 31, 2027 FDIC insured Checked October 25, 2026 Terms Offer page
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TD Bank
Business Premier Checking (6 months) or other TD small business checking (3 months)
6 mofree

No cash bonus: new TD small business checking customers get monthly maintenance fees waived for 6 months on Business Premier Checking, or 3 months on other accounts, if opened by 31 Oct 2026.

  1. Open a new TD small business checking account between 2026-08-01 and 2026-10-31 as a new customer.
  2. Business Premier Checking: fees waived for the first six months or seven statement cycles, whichever is longer.
  3. Business Convenience Checking Plus, Business Interest Checking Plus or Business Simple: fees waived for three months or four statement cycles, whichever is longer.
  4. Standard pricing resumes after the waiver period.
Ends October 31, 2026 FDIC insured Checked October 25, 2026 Terms Offer page
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30live offers checked October 25, 2026
15 / 15nationwide / state-limited
$200–$3,000range of headline bonuses
7offers ending by November 30, 2026

The headline is the top tier, rarely the one a small business should aim for. Citizens leads at $3,000, but that is 12 months of fuel-purchase rebates plus a savings bonus that needs $40,000 parked for a year.

One entry, TD Bank, pays no cash: it waives monthly fees for six months on Business Premier Checking (three on other TD accounts) for accounts opened by October 31, 2026.

How do we check each offer?

Our method

Verified on the bank’s page. Every live offer was read on the bank’s or provider’s own offer page or terms on October 25, 2026. Dated. Each card carries the date we last checked it. Ended offers move off the list. The list hides an offer automatically after its end date, and we mark it ended if the bank pulls it early. Re-checked twice a week. We re-read every live offer twice a week and log changes in the changelog at the end of this page. Doctor of Credit is a lead, not a source. We use its bank bonus list to find new offers; nothing goes on our list until the bank’s own page confirms it. No affiliate links. None of the links on this page pays MainStreetRadar today, and no bank chose its position.

The rule “the bank’s page wins” changes real numbers. On October 25, 2026 the aggregators headlined U.S. Bank at up to $1,500 (the bank pays $1,200), PNC at $200 or $500 (the bank pays $400 or $1,000) and Chase at up to $750 (the bank has no $750 tier). We used the bank’s figure each time.

Which bonus pays the most for a small deposit?

The fairest comparison is the bonus divided by the money you must bring in. We took the lowest tier of each offer, the one a new business can reach, and worked out what it pays per $1,000 deposited.

Chase and PNC both pay $400 on $2,000, but they are not the same deal. Chase is open nationwide and pays within 15 days of the last step. PNC is limited to its branch states, needs 10 transactions and averages the balance over three statement cycles.

Entry tiers ranked by bonus per $1,000 deposited, checked October 25, 2026
OfferBonusMoney requiredHow long it staysPer $1,000Where
Chase Business Complete$400$2,00060 days + 5 transactions$200Nationwide
PNC Business Checking$400$2,000 average3 statement cycles + 10 transactions$20019 states + DC
Wells Fargo Initiate$400$2,500To day 60 + 5 transactions$160No states listed
Truist Simple / Dynamic$400$2,500Day 30 to day 90$16017 states + DC
Fulton Bank$500$5,000 depositedNo balance hold$1005 states + DC
Capital One$500$5,00060 of first 90 days + 10 electronic transactions$100Nationwide, online
Hancock Whitney$500$5,000Day 31 to day 90$100AL, FL, LA, MS, TX
Found (code MILEIQ)$200$2,000 receivedWithin 60 days$100Nationwide
Huntington Unlimited$400$5,000 depositedNo balance hold; open 90 days$8022 states
Axos Basic (new businesses)$200$3,000 average4 of first 5 statement cycles$67Nationwide

Fulton and Huntington’s $400 tier count deposits, not a balance you must hold: the $5,000 must arrive as new money, but the terms do not require it to stay. The account itself must stay open (90 days at Huntington).

Most money for a small deposit, nationwide
Chase
Business Complete Checking
$500bonus

Earn $500 for $10,000 (or $400 for $2,000) in new money deposited within 30 days of offer enrollment and held for 60 days, plus 5 qualifying transactions within 90 days.

  1. Get the offer code by entering your email on the offer page and open a new Chase Business Complete Checking account between 2026-09-15 and 2027-01-21.
  2. Deposit new money (not already at Chase or its affiliates) within 30 days of offer enrollment: $2,000 for $400 or $10,000 for $500.
  3. Keep that balance for 60 days from offer enrollment; falling below may reduce or cancel the bonus.
  4. Complete 5 qualifying transactions within 90 days of offer enrollment: debit card purchases, QuickDeposit, ACH credits, wires, Chase Online Bill Pay or QuickAccept. ACH debits, Zelle and transfers to Chase credit cards do not count.
Ends January 21, 2027 FDIC insured Checked October 25, 2026 Terms Offer page
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Who it suits

  • A new sole proprietor or LLC that can spare $2,000 for about two months.
  • Anyone who wants a branch network and a fast payout (within 15 days of meeting the steps).
Who it doesn’t

  • Anyone who had a Chase business checking bonus in the last two years (one per signer every two years).
  • A business whose balance will sit under $2,000 later: the $15 monthly fee then applies.

Which no-fee fintech accounts pay a bonus?

Three app-based providers have live offers, and all three charge $0 a month on their base plan. None of them is a bank. Bluevine is a financial technology company, not a bank; banking services are provided by Coastal Community Bank, Member FDIC. Found is a financial technology company, not a bank; banking services are provided by Lead Bank, Member FDIC. Mercury is a financial technology company, not a bank; banking services are provided by Choice Financial Group and Column N.A., Members FDIC.

  • Bluevine, $500 (code VYDE500, ends January 31, 2027). Fund the account, hold $5,000 every day from day 31 to day 120, and in each of three 30-day periods either spend $2,000 on the debit card, receive $5,000 from a merchant processor or run $5,000 of payroll. Bluevine can reverse the bonus if the account closes within 150 days of funding.
  • Found, $200 (code MILEIQ, ends December 31, 2026). Receive $2,000 or more into the new account within 60 days. Found has two narrower offers: $250 for $2,500 of Stripe or Square payouts (code 1800ACCOUNTANT) and $500 for Faire sellers ($250 per $2,500 of Faire payouts, code FAIRE500).
  • Mercury, $250 by referral only. There is no public code; see the referral section below.
Easiest no-fee fintech bonus
Found
Found Business Banking
$200bonus

Earn $200 with code MILEIQ when you receive $2,000 or more into a new Found account within 60 days of opening.

  1. Sign up for Found through found.com/mileiq or with promo code MILEIQ by 2026-12-31.
  2. Link the new account wherever you earn business income and receive $2,000 or more into it within 60 days of account creation.
  3. Keep the account in good standing until the bonus is credited.
Ends December 31, 2026 Not FDIC insured Checked October 25, 2026 Terms Offer page
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Found is built for sole proprietors and single-member LLCs, so it suits a freelancer who wants income to land somewhere separate. Its weak points: the $200 is the smallest bonus on the list, and Found says it reports bonus income only where the law requires, which does not change whether the bonus is taxable.

What are the biggest bonuses if you can park $15,000 or more?

Above $15,000 the bonuses get bigger, but the payout falls to about $50 per $1,000 or less. These tiers make sense when the money is already sitting idle in the business.

Large-balance tiers, checked October 25, 2026
OfferBonusNew money / balanceHoldPer $1,000Where
Bank of America (online offer)$750$15,000Day 31 to day 90$50Nationwide
Huntington Unlimited Plus$1,000$20,00060 days after funding$5022 states
U.S. Bank Platinum$1,200$25,00060 days + 6 transactions$48Nationwide
KeyBank Business Reward$1,000$25,00090 consecutive days$4015 states, banker only
Wells Fargo Initiate$825$25,000To day 60 + 5 transactions$33No states listed
PNC Treasury Enterprise / Analysis$1,000$30,000 average3 statement cycles$3319 states + DC
M&T, BMO, BOK top tier$1,500$100,000Third month (M&T) or to day 90$15M&T 9 states + DC; BMO nationwide online; BOK CO
Bank of America (tiered offer)$2,500$200,000Day 31 to day 90$12.50Nationwide

Watch the monthly fee on these premium accounts. U.S. Bank Platinum ($30) and KeyBank ($25) waive it at the balances the bonus already needs. Huntington Unlimited Plus charges $40 a month unless your total deposits with Huntington reach $50,000 or a 25% owner holds one of its premium personal checking accounts, and PNC Treasury Enterprise charges $50.

Huntington Unlimited Plus bonus
$1,000
Monthly fee, $40 × 3 months (account must stay open 90 days)
−$120

Net before tax, if you close after 90 days$880

Biggest nationwide bonus for $25,000
U.S. Bank
Platinum Business Checking Package
$1,200bonus

Earn $1,200 when you open Platinum Business Checking with promo code Q4DIG26, deposit $25,000 in new money within 30 days, keep it for 60 days and make 6 qualifying transactions.

  1. Open a new U.S. Bank Platinum Business Checking account between 2026-09-28 and 2027-01-13 using promo code Q4DIG26 (applied automatically from the offer page). Minimum opening deposit is $25.
  2. Deposit at least $25,000 in new money (from outside U.S. Bank) within 30 days of account opening.
  3. Keep a daily balance of at least $25,000 for 60 days after opening, measured at the end of each business day. Account fees can pull the balance below the requirement.
  4. Complete 6 qualifying transactions within 60 days of opening: debit card purchases, ACH or wire credits/debits, Zelle, mobile check deposits, check debits, U.S. Bank bill pay or U.S. Bank Payment Solutions deposits. Transfers between U.S. Bank accounts and payments to U.S. Bank credit cards do not count.
Ends January 13, 2027 FDIC insured Checked October 25, 2026 Terms Offer page
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Highest tier if you hold $200,000
Bank of America
Business Advantage Fundamentals or Relationship Banking (tiered offer)
$2,500plus 12 months free

Earn $400 to $2,500 depending on how much new money you deposit within 30 days ($5,000 to $200,000+), kept from day 31 to day 90.

  1. Enroll online through the offer page or with a Bank of America associate, and open a new Business Advantage Fundamentals or Relationship Banking account by November 30, 2026.
  2. Deposit New Money (not already held at Bank of America or Merrill) into the new account within 30 days of opening. The total sets your tier: $5,000–$14,999 = $400; $15,000–$49,999 = $700; $50,000–$99,999 = $1,000; $100,000–$199,999 = $1,500; $200,000+ = $2,500.
  3. Keep a daily balance of at least your tier's minimum from day 31 after enrollment to day 90 after opening. A dip moves you to a lower tier; below $5,000 on any day means no bonus.
  4. Cannot be combined with any other checking bonus offer, including the online-only $400/$750 offer.
Ends November 30, 2026 FDIC insured Checked October 25, 2026 Terms Offer page
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Bank of America runs two offers that cannot be combined. The online one pays $400 or $750 and runs to December 31, 2026. The tiered one pays $400 to $2,500 and must be opened by November 30, 2026; between $15,000 and $49,999 it pays $700, which is $50 less than the online offer at the same deposit. Our Bank of America Business Advantage review covers what the account costs after the bonus.

Which offers are nationwide and which only work in some states?

Half the list is regional. A regional offer needs a business address or residence in the bank’s branch states, and some must be opened in a branch. Where the bank’s page prints no state list, we used its branch footprint; the terms link is the final word.

Where each live offer can be opened, checked October 25, 2026
AvailabilityOffers
Nationwide (15)Bank of America (2 offers), U.S. Bank (2), Chase, Capital One (online), BMO and Wells Fargo (no state list printed; may follow the branch footprint), Amex, Axos, Bluevine, Found (3 offers), Mercury referral
East Coast and Mid-Atlantic basedCitizens (14 states + DC), M&T (9 states + DC), PNC (19 states + DC), Fulton (DE, MD, NJ, PA, VA, DC), TD fee waiver (15 states + DC)
Midwest basedHuntington (22 states), Associated (IA, IL, IN, KS, MI, MN, MO, NE, OH, WI), KeyBank (15 states, banker only)
South and Southeast basedTruist (17 states + DC), SouthState (9 states), Hancock Whitney (AL, FL, LA, MS, TX)
Single-regionBOK Financial (Colorado), MidFirst (Arizona, Oklahoma and Texas branches)

If you are inside a regional bank’s footprint, check its offer before the national ones: several pay more per dollar or come with a free account. Truist is a good example: $800 for $10,000 on Simple Business Checking, an account with no monthly fee, and a deadline of March 24, 2027.

Best regional value: no monthly fee
Truist
Simple or Dynamic Business Checking
$800bonus

Earn $400 for depositing $2,500 (or $800 for $10,000) within 30 days of opening Truist Simple or Dynamic Business Checking and keeping that balance from day 30 to day 90.

  1. Open a new Truist Simple Business Checking or Dynamic Business Checking account between 2026-07-14 and 2027-03-24 and enter the single-use promo code at opening. Minimum opening deposit is $100.
  2. Deposit at least $2,500 ($400) or $10,000 ($800) within 30 days of opening.
  3. Keep a daily current balance of at least that amount every day from day 30 through day 90. If a $10,000 balance dips below $10,000, you still get $400 if it stays above $2,500.
  4. The $800 is paid as two $400 instalments; the account must not be at $0, negative, restricted or closed at payout.
Ends March 24, 2027 FDIC insured Checked October 25, 2026 Terms Offer page
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SouthState pays for activity instead of a balance: $400 for 15 debit card purchases or $5,000 of incoming ACH credits within 90 days. Its “up to $1,000” needs a $50,000 balance, treasury services and card processing on top.

How do you meet the requirements without losing the bonus?

Most bonuses are lost on one detail: the wrong kind of deposit, a balance that dipped for one day, or an account closed too soon.

  1. Get the code attached at opening. Many offers only exist inside the offer page’s own application link (Bank of America, Huntington, Truist), need a promo code typed in online (Capital One: SBOFFER500), or need a code you request first and show to a banker (Chase by email, BMO and Associated in a branch).
  2. Bring new money, from outside the bank. Nearly every offer says “new money”: funds not already held at that bank or its affiliates. A transfer from another bank counts; a transfer from your own savings at the same bank does not (Bank of America also excludes Merrill).
  3. Check which transactions count. Business offers rarely need payroll direct deposit; they count transactions, defined differently: Chase and U.S. Bank count debit card purchases but not Zelle, Capital One and Amex count only electronic items such as ACH, wires and mobile deposits, and SouthState counts incoming ACH credits but not mobile or branch deposits.
  4. Hold the balance every single day. Bank of America, Associated, BMO and Hancock Whitney measure from day 31 to day 90, and Truist from day 30 to day 90. KeyBank wants 90 consecutive days above $25,000, and one day under forfeits the whole bonus. Keep a small cushion: fees can push you under.
  5. Keep the account open past the clawback date. M&T deducts the bonus if the account closes within six months and may charge a $50 closure fee. Associated can deduct it within 12 months. Axos charges up to $200 if you close within 180 days, and Bluevine can reverse the bonus within 150 days of funding. Chase excludes accounts closed within 90 days.
  6. Wait for the payout, then decide. Payout dates run from 15 days after the steps (Chase) to about day 104 (BMO) and the end of the fourth month (M&T).
Watch out

“Day 30” and “day 31” are counted from different starting points at different banks: Truist counts the day after opening as day 1, Chase counts from offer enrollment, and Bank of America from enrollment or opening depending on the step. Put the bank’s own day count in your calendar, not a guess. Our deadlines calendar lists the offer end dates.

What does the account cost once the bonus is paid?

If you keep the account, its fee schedule matters more than the bonus after the first year.

AccountMonthly feeHow to waive itWire outCash depositsProtection
ChaseBusiness Complete Banking$15.00 a monthAny one per statement period: $2,000 minimum daily ending balance; OR $2,000 in eligible Chase Payment Solutions deposits (QuickAccept, InstaMed etc.); OR $2,000 eligible purchases on Chase Ink / Sapphire Reserve for Business card; OR linked Chase Private Client Checking / JPMorgan Classic Checking / Private Client Checking Plus; OR Chase Military Banking.$25.00$25 online (chase.com) / $35 branch. International USD $40 online, $50 branch.$5,000 per statement period free (branch/night deposit); 0.30% of the amount above $5,000. Cash deposited at a Chase ATM: unlimited, no charge.e.g. $5,100 deposited -> $0.30 fee.FDIC
Bank of AmericaBusiness Advantage Fundamentals Banking$16.00 a month$0 for the first 12 statement cycles.Any one per statement cycle: $5,000 combined average monthly balance in eligible linked business deposit accounts; OR $500+ in new net qualified purchases on BofA business debit card(s); OR Preferred Rewards for Business member (first 4 checking accounts).$30.00$30 per domestic outgoing wire (same $30 via online banking per Online Banking Service Agreement). International outgoing in USD $45; in foreign currency no fee (FX markup).First $5,000 cash deposited per statement cycle (ATM or Financial Center) free, then $0.30 per $100.FDIC
TruistTruist Simple Business CheckingFreeNothing to waiveno monthly fee on this plan$20.00$20 via Truist Online Banking wire service / $65 branch-initiated.Up to $2,000/month free, then $0.0031 per $1 (= $0.31 per $100).FDIC
BluevineBusiness Checking (Standard plan)FreeStandard $0/mo; Plus $30/mo, Premier $95/mo (waivable)Nothing to waiveno monthly fee on this plan$15.00Standard plan; $12 on Plus, $7.50 on PremierGreen Dot retailers $4.95 per deposit; Allpoint+ ATMs $1 + 0.5% per depositFDICvia Coastal Community Bank
FoundFound (free plan)FreeFound $0/mo; Found Plus $35/mo ($315/yr), Found Pro $80/mo ($720/yr)Nothing to waiveno monthly fee on this plan$15.00$15/wire on Found and Found Plus; $10 on Found Pro1 free cash deposit per month at participating retailers, then $2.00 per depositFDICvia Lead Bank
MercuryBusiness checking (free plan)FreeMercury plan $0/mo; Plus $29.90/mo; Pro $299/moNothing to waiveno monthly fee on this planFreeNot supported'We don't currently support cash deposits' (incl. at ATMs)FDICvia Choice Financial Group; Column N.A.

Fees from each bank's published fee schedule, checked October 25, 2026. Sorted by the monthly fee after any introductory period. Fee schedules change; the bank's own document always prevails. Fintechs are not banks: FDIC insurance applies through their partner bank.

For a full ranking by yearly cost, see business checking accounts compared; for LLC owners specifically, the best business checking account for an LLC. Chase’s account is reviewed in detail in our Chase Business Complete Checking review.

The Radar, every week

New business account offers, fee changes and deadlines, in one short email.

Are business checking bonuses taxable?

Yes. Banks treat the bonus as interest, and almost every offer in our list says it is reported on Form 1099-INT. Axos says Form 1099-MISC or 1099-INT, and American Express says its points “may be reported on IRS Form 1099”. The IRS instructions tell banks to file Form 1099-INT for interest of $10 or more paid to a person.

Corporations are exempt recipients, so a bank need not send a 1099-INT to a C or S corporation; the bonus is still taxable income. And IRS Publication 550 says you must report all interest income even without a Form 1099-INT.

Chase bonus at the $2,000 tier
$400.00
Federal income tax at an illustrative 22% marginal rate
−$88.00

Kept after federal income tax$312.00

The form goes to the taxpayer ID on the account: your Social Security number for a sole proprietor, or the EIN for an LLC that has one. How it flows to your return depends on how the business is taxed; ask a CPA, an enrolled agent or a tax attorney. This section covers federal income tax only; state income tax is not covered.

What are the risks: ChexSystems, too many accounts and closures?

  • ChexSystems. ChexSystems is a consumer reporting agency many banks use to screen people opening checking accounts, including the owners and signers of a business account. It records accounts closed with money owed and recent applications. An unpaid negative balance from years ago can get you declined, and Hancock Whitney’s terms explicitly exclude anyone with a checking account closed negative in the past three years.
  • Too many accounts. Banks do not publish how many recent applications are too many, but several applications in a few weeks can look like bonus chasing. The offers also limit repeat bonuses: Chase allows one business checking bonus per signer every two years, Wells Fargo one per business and owner in 24 months, and Huntington may limit owners to one cash incentive, business or personal, per rolling 24 months.
  • The bank closing your account. A deposit agreement lets the bank close an account, and some offers spell out bonus abuse. Huntington says it may close accounts without paying if it suspects churning. A closure before payout usually means no bonus, and a closure on a business account can leave invoices pointing to a dead account number.
Do not open an account you cannot run honestly

Every offer needs a real business with a valid EIN or SSN, and banks check formation documents. A business invented for a bonus can end with a closed account and a negative ChexSystems record.

What about Citi, Santander and referral bonuses like Mercury?

Citibank and Santander: reported but not confirmed on the bank’s site. Citibank is reported to pay up to $2,000 on a new business checking account opened in a branch, and Santander $550 with code SMALLBUS550, also in branch. Neither offer or its terms appeared on the bank’s own website on October 25, 2026, and the reports disagree on tiers and activity rules, so they are not on our list.

Mercury: a referral program, not a public offer. A referral bonus is paid when an existing customer invites you through their personal link. Mercury pays $250 to you and $250 to the person who referred you when a new business account holds at least $10,000 for one full business day within the first 90 days. There is no public code, and we do not post referral codes or links. Mercury generally serves LLCs and corporations rather than sole proprietors.

No current public offer: Fifth Third, Relay, Novo, Lili, Grasshopper, Rho and Brex, as of October 25, 2026. Regions has only a $150 refer-a-friend reward, and Live Oak’s $200 offer ran in April 2026 only.

Frequently asked questions

What is the best business checking bonus right now?

For a small deposit, Chase’s $400 for $2,000 of new money is the best ratio among nationwide offers, at $200 per $1,000 deposited. For $25,000, U.S. Bank Platinum pays $1,200. The largest top tier is Bank of America’s $2,500, which needs $200,000 kept to day 90.

Can a sole proprietor get a business checking bonus?

Yes. Almost every offer on this page accepts sole proprietors, who usually open with their Social Security number. Mercury is the main exception, since it generally serves LLCs and corporations.

How long do I have to keep the account open?

At least until the bonus posts, and longer where the terms claw it back. M&T deducts the bonus if you close within six months and may charge $50, Associated can deduct it within 12 months, and Axos charges up to $200 for closing within 180 days.

Do I get a 1099 for a business checking bonus?

Usually a Form 1099-INT, because banks treat the bonus as interest; a few use Form 1099-MISC. Corporations are exempt recipients, so a C or S corporation may not get a form, but the bonus is still taxable income.

Are fintech business accounts safe if they are not banks?

Deposits at Bluevine, Found and Mercury are held at partner banks that are Members FDIC: Coastal Community Bank, Lead Bank, and Choice Financial Group and Column N.A. respectively. FDIC insurance covers the failure of the partner bank, not the failure of the app company itself.

Changelog

  1. October 25, 2026: Tracker published with 30 live offers, 2 unconfirmed offers (Citibank, Santander) and 1 ended offer (Live Oak, April 2026). Amounts follow the banks’ own pages.

Sources

  1. Chase, Business Complete Checking offer (accessed October 25, 2026)
  2. Bank of America, business checking offer up to $2,500 and online $400/$750 offer
  3. U.S. Bank, business checking bonus (code Q4DIG26)
  4. Truist, small business checking offer
  5. PNC, business checking offer
  6. M&T Bank, business checking bonus
  7. Huntington, business banking promotions
  8. Citizens Bank, business checking and savings offer
  9. Bluevine, partner offer (code VYDE500)
  10. Found, $200 offer and platform deposit bonus terms
  11. Mercury, earning referral bonuses
  12. Axos Bank, Basic Business Checking
  13. IRS, Instructions for Forms 1099-INT and 1099-OID
  14. IRS, Publication 550 (2025), Investment Income and Expenses
  15. Doctor of Credit, best bank account bonuses (used only to find leads)

Checked on October 25, 2026 against the banks’ published terms and irs.gov. Offers, fees and tax rules change; the bank’s own documents and the IRS always prevail.