# MainStreetRadar

> MainStreetRadar (mainstreetradar.com) tracks sign-up bonuses and fees on US business checking accounts for sole proprietors and LLCs, and explains estimated taxes and IRS deadlines and running a small online business. Every offer shows the date it was checked against the provider's own terms. Written by Greg Ciupek; published by JG INVEST P.S.A. Data as of October 26, 2026, offers last checked October 25, 2026.

Sources and rules: amounts, deadlines and conditions come from each provider's offer page and terms; fees from the provider's published fee schedule. MainStreetRadar is not authorized by the Financial Conduct Authority and does not give financial advice. How the site is funded: https://mainstreetradar.com/how-we-maknon-bank/

This is the full version with the data itself. Site map: https://mainstreetradar.com/llms.txt

## Live business account offers (30)


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

https://mainstreetradar.com/#offers

- Summary: 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+.
- For: Sole proprietors, LLCs, Corporations
- Ends: November 15, 2026
- Eligibility: The primary signer may not be or have been a signer on another Citizens business checking account in the previous 6 months. Each customer may take part once. Analysis Business Checking is excluded. Not combinable with other checking or savings offers.
- Protection: FDIC insured
- Provider terms: https://www.citizensbank.com/promo/business/checking/move-money-chk-2026.aspx
- Checked: October 25, 2026

Conditions:
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.

### Bank of America Business Advantage Fundamentals or Relationship Banking (tiered offer) — $2,500 bonus plus 12 months free

https://mainstreetradar.com/#offers

- Summary: 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.
- For: Sole proprietors, LLCs, Corporations
- Ends: November 30, 2026
- Eligibility: Businesses that have not owned or co-owned a Business Advantage Banking account in the last 12 months. One bonus per business owner regardless of the number of businesses. Fiduciary and personal accounts excluded; employees excluded.
- Protection: FDIC insured
- Provider terms: https://promotions.bankofamerica.com/smallbusiness/bizq2offer/
- Checked: October 25, 2026

Conditions:
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.

### M&T Bank Business Essential, Plus or Premium Checking — $1,500 bonus plus 3 months free

https://mainstreetradar.com/#offers

- Summary: 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+).
- For: Sole proprietors, LLCs, Corporations
- Ends: November 30, 2026
- Eligibility: Not available to clients who had a non-personal M&T checking account in the 90 days before opening, or to M&T employees. One bonus per TIN; owners of several businesses may be limited to one bonus. Online opening requires 100% ownership; others open in branch. Accounts opened outside eligible regions may not qualify.
- Protection: FDIC insured
- Provider terms: https://campaigns.mtb.com/bizbonus
- Checked: October 25, 2026

Conditions:
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.

### BOK Financial Business Access / Business Advantage Checking (Colorado) — $1,500 bonus plus 3 months free

https://mainstreetradar.com/#offers

- Summary: 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.
- For: Sole proprietors, LLCs, Corporations
- Ends: December 31, 2026
- Eligibility: New business checking clients based in Colorado whose TIN is not the primary TIN on an existing business checking account at BOK Financial brands. Annual revenue of $10 million or less. One offer per TIN/EIN/SSN.
- Protection: FDIC insured
- Provider terms: https://www.bokfinancial.com/landing-pages/offers/colorado-business-checking-offer
- Checked: October 25, 2026

Conditions:
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.

### BMO Digital, Simple, Premium or Elite Business Checking — $1,500 bonus

https://mainstreetradar.com/#offers

- Summary: 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.
- For: Sole proprietors, LLCs, Corporations
- Ends: February 1, 2027
- Eligibility: Not available if the business already has a BMO business checking account or closed one in the past 12 months under the same TIN/EIN/SSN. One cash bonus per business entity; not combinable with other offers.
- Protection: FDIC insured
- Provider terms: https://www.bmo.com/en-us/main/business-banking/bank-accounts/bb-checking-offer/
- Checked: October 25, 2026

Conditions:
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.

### U.S. Bank Platinum Business Checking Package — $1,200 bonus

https://mainstreetradar.com/#offers

- Summary: 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.
- For: Sole proprietors, LLCs, Corporations
- Ends: January 13, 2027
- Eligibility: New business checking customers only. Businesses that already have a U.S. Bank business checking account, or closed one in the past 12 months, are excluded. One bonus per business; cannot be combined with other business checking bonuses. U.S. Bank employees excluded.
- Protection: FDIC insured
- Provider terms: https://www.usbank.com/splash/business-checking/business-checking-promo-var-4.html
- Checked: October 25, 2026

Conditions:
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.
5. The account must stay open, keep a positive balance and remain the same product type until the bonus is paid (within 30 days after the month-end in which all requirements are met).

### KeyBank Key Business Reward Checking — $1,000 bonus plus 2 months free

https://mainstreetradar.com/#offers

- Summary: 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.
- For: Sole proprietors, LLCs, Corporations
- Ends: November 6, 2026
- Eligibility: Only if the business (SSN/EIN) has not had a KeyBank business checking or savings account in the past 12 months. One offer per account and per business entity. Valid SSN/EIN and U.S. address required. KeyBank employees excluded.
- Protection: FDIC insured
- Provider terms: https://www.key.com/small-business/promo/bb-1000-offer.html
- Checked: October 25, 2026

Conditions:
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).

### Huntington Bank Unlimited Plus Business Checking — $1,000 bonus

https://mainstreetradar.com/#offers

- Summary: 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.
- For: Sole proprietors, LLCs, Corporations
- Ends: February 11, 2027
- Eligibility: New business checking customers only. Anyone with any relationship to an existing Huntington business checking account, or who closed a checking account in the last 12 months, is excluded. Huntington may limit owners to one cash incentive (business or consumer) per rolling 24 months. Applicants must reside in one of the listed states. Account conversions, public funds and brokers are excluded.
- Protection: FDIC insured
- Provider terms: https://www.huntington.com/business-banking-promotions-offers
- Checked: October 25, 2026

Conditions:
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.

### PNC Bank Treasury Enterprise Plan or Analysis Business Checking — $1,000 bonus

https://mainstreetradar.com/#offers

- Summary: 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.
- For: Sole proprietors, LLCs, Corporations
- Ends: December 31, 2026
- Eligibility: Annual business revenue under $10 million. Ineligible if any signer has signing authority on an existing PNC business checking account, closed one in the past 90 days, or received a PNC promotional premium in the past 12 months. Monthly statement cycles only. One eligible account per set of signers.
- Protection: FDIC insured
- Provider terms: https://www.pnc.com/en/small-business/banking/business-checking-overview/business-checking-offer.html
- Checked: October 25, 2026

Conditions:
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.

### SouthState Bank Business checking (Small Business, Business Gold, Community, Commercial) — $1,000 bonus

https://mainstreetradar.com/#offers

- Summary: 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.
- For: Sole proprietors, LLCs, Corporations
- Ends: no end date stated
- Eligibility: The business cannot have, or have had in the past 12 months, a SouthState business/commercial checking account, and cannot have received a bonus on one before. Trusts and SouthState employees excluded. Location and business-type restrictions may apply.
- Protection: FDIC insured
- Provider terms: https://www.southstatebank.com/small-business/bank/level-up
- Checked: October 25, 2026

Conditions:
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.
5. Optional extra $200: sign up for SouthState Merchant Services equipment and process $200 into the new account.
6. Keep the account open on the same product type at payout (within 3 business days after the 90-day period).

### Wells Fargo Initiate Business Checking — $825 bonus

https://mainstreetradar.com/#offers

- Summary: 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.
- For: Sole proprietors, LLCs, Corporations
- Ends: November 10, 2026
- Eligibility: New business checking customers only. One bonus per business and per owner within 24 months. Excluded if you currently own a Wells Fargo business checking account, closed one in the past 90 days, are a Wells Fargo employee, or sign Form W-8 (non-resident aliens, foreign entities).
- Protection: FDIC insured
- Provider terms: https://accountoffers.wellsfargo.com/businesscheckinga
- Checked: October 25, 2026

Conditions:
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.
5. The account must not be closed or restricted at payout (within 30 days after the 60-day period).

### Truist Simple or Dynamic Business Checking — $800 bonus

https://mainstreetradar.com/#offers

- Summary: 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.
- For: Sole proprietors, LLCs, Corporations
- Ends: March 24, 2027
- Eligibility: New Truist business checking clients only: the business (same TIN/EIN) cannot have a Truist business checking account or have closed one on or after 2025-07-14. Owners already enrolled in the promotion are excluded. Business physical address must be in an eligible state or DC.
- Protection: FDIC insured
- Provider terms: https://www.truist.com/small-business/lp/promos/banking/checking-offer
- Checked: October 25, 2026

Conditions:
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.

### Bank of America Business Advantage Fundamentals or Relationship Banking — $750 bonus plus 12 months free

https://mainstreetradar.com/#offers

- Summary: 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.
- For: Sole proprietors, LLCs, Corporations
- Ends: December 31, 2026
- Eligibility: New customers only: no owner/signer on a Business Advantage Banking account in the last 12 months. One bonus per business owner regardless of how many businesses they own. Online only via this page; offer may not apply if you leave the page, call or visit a branch. Employees excluded.
- Protection: FDIC insured
- Provider terms: https://promotions.bankofamerica.com/smallbusiness/biz2toffer
- Checked: October 25, 2026

Conditions:
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.

### Associated Bank Business Access, Balanced or Choice Checking — $750 bonus

https://mainstreetradar.com/#offers

- Summary: 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.
- For: Sole proprietors, LLCs, Corporations
- Ends: October 31, 2026
- Eligibility: One per customer. Not available to customers who received a new business checking bonus in the last 24 months and have or had an Associated business checking account in the last 12 months. Primary owner 18+. Online opening limited to IA, IL, IN, KS, MI, MN, MO, NE, OH and WI.
- Protection: FDIC insured
- Provider terms: https://www.associatedbank.com/businesschecking
- Checked: October 25, 2026

Conditions:
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).
5. Keep the account open at least 12 months; if it closes within 12 months Associated may deduct the bonus before closing.

### Bluevine Business Checking — $500 bonus plus 3 months free

https://mainstreetradar.com/#offers

- Summary: 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.
- For: Sole proprietors, LLCs, Corporations
- Ends: January 31, 2027
- Eligibility: New Bluevine Business Checking customers only: an owner who has not had a Bluevine checking account in the last 12 months. Age 18+, legal resident of the 50 states or DC. One offer per new customer; Bluevine employees and families excluded.
- Protection: Not FDIC insured
- Provider terms: https://www.bluevine.com/partner/vyde
- Checked: October 25, 2026

Conditions:
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.
5. Keep the account open: Bluevine can reverse the bonus if the account is closed within 150 days of funding.

### Hancock Whitney Essential, Preferred or Interest Business Checking — $500 bonus

https://mainstreetradar.com/#offers

- Summary: 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.
- For: Sole proprietors, LLCs, Corporations
- Ends: February 28, 2027
- Eligibility: New-to-bank customers, or existing Hancock Whitney checking clients with no business or commercial checking account. No business checking closed in the past 90 days and no checking closed with a negative balance in the past three years.
- Protection: FDIC insured
- Provider terms: https://www.hancockwhitney.com/26-acq-sb
- Checked: October 25, 2026

Conditions:
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).

### Fulton Bank Business Checking — $500 bonus

https://mainstreetradar.com/#offers

- Summary: 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.
- For: Sole proprietors, LLCs, Corporations
- Ends: December 31, 2026
- Eligibility: New Fulton business checking customers who have not had a Fulton Bank business checking account in the last 24 months. IOLTA and non-profit accounts excluded. One bonus per business (TIN/EIN or address). Fulton only serves businesses in its service area.
- Protection: FDIC insured
- Provider terms: https://www.fultonbank.com/offers/small-business-checking
- Checked: October 25, 2026

Conditions:
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.

### Chase Business Complete Checking — $500 bonus

https://mainstreetradar.com/#offers

- Summary: 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.
- For: Sole proprietors, LLCs, Corporations, Nonprofits
- Ends: January 21, 2027
- Eligibility: Not available to existing Chase business checking customers, government entities or political/campaign accounts. Signers can get one business checking offer every two years from the last enrollment date. Chase employees excluded. Branch-only products (Performance, Platinum, Not For Profit) must be opened in a branch.
- Protection: FDIC insured
- Provider terms: https://account.chase.com/business/business-checking-offer
- Checked: October 25, 2026

Conditions:
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.
5. The account must be open and unrestricted at payout (within 15 days after requirements are met). Accounts closed within 90 days, or with a negative balance within 3 years, are excluded.

### Capital One Basic or Enhanced Business Checking — $500 bonus

https://mainstreetradar.com/#offers

- Summary: 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.
- For: Sole proprietors, LLCs, Corporations
- Ends: no end date stated
- Eligibility: Applicants who are users on a Capital One business checking account opened on or after 2025-01-01 are ineligible. One account per business. Online applications only; some businesses may be required to apply in a branch and then are not eligible.
- Protection: FDIC insured
- Provider terms: https://www.capitalone.com/small-business/bank/bizchecking500/
- Checked: October 25, 2026

Conditions:
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.
5. The account must be open and in good standing until the bonus posts (60-90 days after requirements are met).

### Found Business Banking (Faire sellers) — $500 bonus

https://mainstreetradar.com/#offers

- Summary: 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.
- For: Sole proprietors, LLCs
- Ends: December 31, 2026
- Eligibility: New Found customers only. Only Faire payouts count, so this is relevant only to wholesale sellers on Faire.
- Protection: Not FDIC insured
- Provider terms: https://found.com/legal/platform-deposit-bonus-lead
- Checked: October 25, 2026

Conditions:
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.

### U.S. Bank Business Essentials Checking — $400 bonus

https://mainstreetradar.com/#offers

- Summary: 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.
- For: Sole proprietors, LLCs, Corporations
- Ends: January 13, 2027
- Eligibility: New business checking customers only; no U.S. Bank business checking account currently or closed within 12 months. One bonus per business. Not combinable with other business checking bonuses.
- Protection: FDIC insured
- Provider terms: https://www.usbank.com/splash/business-checking/business-checking-promo-var-4.html
- Checked: October 25, 2026

Conditions:
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.
5. Keep the account open, positive and on the same product until the bonus posts (within 30 days after the month-end in which requirements are met).

### Huntington Bank Unlimited Business Checking — $400 bonus

https://mainstreetradar.com/#offers

- Summary: 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.
- For: Sole proprietors, LLCs, Corporations, Nonprofits
- Ends: February 11, 2027
- Eligibility: New Huntington business checking customers only; no existing relationship to a Huntington business checking account and no checking account closed in the last 12 months. Possible limit of one cash incentive per owner per rolling 24 months. Applicants must reside in one of the listed states.
- Protection: FDIC insured
- Provider terms: https://www.huntington.com/business-banking-promotions-offers
- Checked: October 25, 2026

Conditions:
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.

### PNC Bank Business Checking or Business Checking Plus — $400 bonus

https://mainstreetradar.com/#offers

- Summary: 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.
- For: Sole proprietors, LLCs, Corporations
- Ends: December 31, 2026
- Eligibility: Annual revenue under $10 million. No signer may hold an existing PNC business checking account, have closed one in the past 90 days or have received a PNC promotional premium in the past 12 months.
- Protection: FDIC insured
- Provider terms: https://www.pnc.com/en/small-business/banking/business-checking-overview/business-checking-offer.html
- Checked: October 25, 2026

Conditions:
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).

### American Express Amex Business Checking — $350 bonus

https://mainstreetradar.com/#offers

- Summary: 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.
- For: Sole proprietors, LLCs, Corporations
- Ends: no end date stated
- Eligibility: Not available for a business that currently has or has ever had an Amex Business Checking account (once per business, lifetime).
- Protection: FDIC insured
- Provider terms: https://www.americanexpress.com/en-us/banking/business/deposit-account/agreement/checking-account/rates-and-fees/?eep=84241
- Checked: October 25, 2026

Conditions:
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.
5. The account must be open when the points are credited (8-12 weeks after completion).

### MidFirst Bank Momentum Business Checking — $300 bonus

https://mainstreetradar.com/#offers

- Summary: 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.
- For: Sole proprietors, LLCs, Corporations
- Ends: December 31, 2026
- Eligibility: New MidFirst business checking customers with no existing or previous MidFirst business checking account. One promotional account per business relationship. Not available if a MidFirst account was closed with a negative balance.
- Protection: FDIC insured
- Provider terms: https://www.midfirst.com/business-offer
- Checked: October 25, 2026

Conditions:
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.

### Found Business Banking — $250 bonus

https://mainstreetradar.com/#offers

- Summary: Earn $250 with code 1800ACCOUNTANT once $2,500 in Stripe or Square deposits reaches a new Found account.
- For: Sole proprietors, LLCs
- Ends: December 31, 2026
- Eligibility: New Found customers only. Only deposits from Stripe or Square count (per the page and the doctorofcredit.com update of 2026-06-16).
- Protection: Not FDIC insured
- Provider terms: https://found.com/legal/platform-deposit-bonus-lead
- Checked: October 25, 2026

Conditions:
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.

### Mercury Business Checking — $250 bonus

https://mainstreetradar.com/#offers

- Summary: 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.
- For: LLCs, Corporations
- Ends: no end date stated
- Eligibility: Net new Mercury customers only (no existing business or Mercury Personal account). You cannot refer a business you own. Requires a referral link from an existing customer; there is no public promo code.
- Protection: Not FDIC insured
- Provider terms: https://mercury.com/legal/referrals
- Checked: October 25, 2026

Conditions:
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).

### Found Business Banking — $200 bonus

https://mainstreetradar.com/#offers

- Summary: Earn $200 with code MILEIQ when you receive $2,000 or more into a new Found account within 60 days of opening.
- For: Sole proprietors, LLCs
- Ends: December 31, 2026
- Eligibility: New Found customers only.
- Protection: Not FDIC insured
- Provider terms: https://found.com/legal/platform-deposit-bonus-lead
- Checked: October 25, 2026

Conditions:
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.

### Axos Bank Basic Business Checking — $200 bonus

https://mainstreetradar.com/#offers

- Summary: 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.
- For: Sole proprietors, LLCs, Corporations
- Ends: January 31, 2027
- Eligibility: New Axos Small Business customers only who have never been primary owner on any Axos small business account. The business must have been established less than one calendar year before the application date (verified via Secretary of State or formation documents).
- Protection: FDIC insured
- Provider terms: https://www.axosbank.com/basicbusinesschecking
- Checked: October 25, 2026

Conditions:
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.

### TD Bank Business Premier Checking (6 months) or other TD small business checking (3 months) — 6 months free

https://mainstreetradar.com/#offers

- Summary: 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.
- For: Sole proprietors, LLCs, Corporations
- Ends: October 31, 2026
- Eligibility: New TD customers only; one account per new customer TIN. Account analysis checking customers are excluded.
- Protection: FDIC insured
- Provider terms: https://www.td.com/us/en/small-business/offers
- Checked: October 25, 2026

Conditions:
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.

## Recently ended offers

- Live Oak Bank Business Essential Checking: Ended: $200 for opening Business Essential Checking in April 2026 and keeping a $5,000 average daily balance for 90 days. Ended April 30, 2026.

## Business account fees

- [Fee table: 15 US business checking accounts](https://mainstreetradar.com/#fees): monthly fee, wires and ACH, paying in cash, card abroad and protection, from each provider's published fee schedule

| Account | Monthly fee | How to waive it | Wire out | Cash deposits | Protection |
| --- | --- | --- | --- | --- | --- |
| Axos Bank Basic Business Checking | Free | Not stated — n/a: plan has no monthly fee | $15.00 | Not stated | FDIC |
| Bluevine Business Checking (Standard plan) | Free — Standard $0/mo; Plus $30/mo, Premier $95/mo (waivable) | Not stated — n/a: plan has no monthly fee | $15.00 — Standard plan; $12 on Plus, $7.50 on Premier | Green Dot retailers $4.95 per deposit; Allpoint+ ATMs $1 + 0.5% per deposit | FDIC |
| Found (free plan) | Free — Found $0/mo; Found Plus $35/mo ($315/yr), Found Pro $80/mo ($720/yr) | Not stated — n/a: plan has no monthly fee | $15.00 — $15/wire on Found and Found Plus; $10 on Found Pro | 1 free cash deposit per month at participating retailers, then $2.00 per deposit | FDIC |
| Lili Core (free plan) | Free | Not stated — n/a: plan has no monthly fee | $15.00 — new customers may be restricted for first 30 days | Cash deposits at Green Dot participating retailers; Lili charges no fee, retailer fee up to $4.95 | FDIC |
| Mercury Business checking (free plan) | Free — Mercury plan $0/mo; Plus $29.90/mo; Pro $299/mo | Not stated — n/a: plan has no monthly fee | Free | Not supported — 'We don't currently support cash deposits' (incl. at ATMs) | FDIC |
| Novo Business Checking | Free | Not stated — n/a: plan has no monthly fee | $45.00 — 'Up to $45.00' per fee schedule; Novo says third-party provider fee is shown before sending | No direct cash deposit; buy a money order (e.g., USPS, grocery store) and deposit via mobile check deposit | FDIC |
| Relay Business Checking (Starter plan) | Free — Starter $0/mo; Grow $30/mo; Scale $120/mo (temporarily $90) | Not stated — n/a: plan has no monthly fee | $8.00 — Starter $8; Grow $5 | Allpoint+ ATMs $0; Green Dot retailers up to $4.95 (retailer fee) — Allpoint+ $1,000/transaction; Green Dot $500/transaction ($1,000 Walmart), $1,500/day | FDIC |
| Truist Simple Business Checking | Free | Not stated — No monthly maintenance fee, so no waiver needed. | $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 |
| U.S. Bank Silver Business Checking | Free | Not stated — No monthly maintenance fee, so no waiver needed. | $30.00 — $30 digital non-repetitive / $40 branch / $45-50 voice. | 25 free cash deposit units per month (1 unit = $100, deposits | FDIC |
| TD Bank TD Business Simple Checking | $10.00 a month | Not stated | $30.00 — No online vs branch split published; international outgoing $50. | First $5,000 per statement cycle free, then $0.30 per $100. | FDIC |
| PNC Business Checking | $12.00 a month | Any one: $500 average monthly collected balance; OR $500 eligible purchases on linked PNC business credit card; OR $500 qualifying monthly deposits from linked PNC Merchant Account. | $95.00 — $95 branch-initiated domestic wire; online-initiated business wire fee not published. | $5,000/month free (over-the-counter, night depository, Quick Deposit), then $0.30 per $100. | FDIC |
| Capital One Business Basic Checking | $15.00 a month | $2,000 minimum 30-day or 90-day average monthly ledger balance (whichever is greater). — Also waived for up to 2 Basic accounts if you hold Business Enhanced Checking; can be waived for nonprofits. | $25.00 — No online vs branch distinction published. Foreign outgoing $40 (foreign currency) / $50 (USD). | Up to $5,000/month in teller cash deposits free, then $1 per $1,000. — Cash deposits at Capital One and select Allpoint ATMs don't count and are free. | FDIC |
| Chase Business Complete Banking | $15.00 a month | Any 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 |
| Wells Fargo Initiate Business Checking | $15.00 a month — Waived for fee periods ending in the first 64 days. | Any one per fee period: $2,000 minimum daily balance; OR $5,000 average combined business deposit balance; OR own a Premier Checking, Private Bank Checking or Private Bank Interest Checking account. | $30.00 — $30 digital wire / $40 branch wire; standing transfer order $25. | First $5,000 per fee period free, then $0.30 per $100. | FDIC |
| Bank of America Business 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 |

Fees from each provider's published fee schedule, checked October 25, 2026. Sorted by the monthly fee after any introductory period. The provider's own document always prevails.

## Business accounts ranked by yearly cost (fee schedules checked October 25, 2026)

https://mainstreetradar.com/business-checking-accounts/

### New freelancer or sole proprietor

1. Relay Business Checking (Starter plan) – year 1 $0, each year after $0
2. Bluevine Business Checking (Standard plan) – year 1 $0, each year after $0
3. Axos Bank Basic Business Checking – year 1 $0, each year after $0
4. Novo Business Checking – year 1 $0, each year after $0
5. Lili Core (free plan) – year 1 $0, each year after $0

### Established LLC that deposits cash

1. Relay Business Checking (Starter plan) – year 1 $0, each year after $0
2. PNC Business Checking – year 1 $0, each year after $0
3. Chase Business Complete Banking – year 1 $0, each year after $0
4. Wells Fargo Initiate Business Checking – year 1 $0, each year after $0
5. U.S. Bank Silver Business Checking – year 1 $63, each year after $63

### Online seller

1. Mercury Business checking (free plan) – year 1 $0, each year after $0
2. Axos Bank Basic Business Checking – year 1 $180, each year after $180
3. Relay Business Checking (Starter plan) – year 1 $288, each year after $288
4. Bluevine Business Checking (Standard plan) – year 1 $540, each year after $540
5. Lili Core (free plan) – year 1 $540, each year after $540

### Small LLC or S corp sending wires

1. Mercury Business checking (free plan) – year 1 $0, each year after $0
2. Axos Bank Basic Business Checking – year 1 $0, each year after $0
3. Relay Business Checking (Starter plan) – year 1 $192, each year after $192
4. Bluevine Business Checking (Standard plan) – year 1 $396, each year after $396
5. Found (free plan) – year 1 $384, each year after $384

## Hubs


### Business checking bonuses: live tracker checked against the terms

https://mainstreetradar.com/business-checking-bonuses/

Hub. Published October 25, 2026. 30 business checking bonuses are live, from $200 to $3,000; Chase pays $400 for $2,000. Each offer is checked on the bank's own terms and dated.

Short answer:
- 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.

### Online seller taxes 2026: income tax, 1099-K and sales tax by state

https://mainstreetradar.com/online-seller-taxes/

Hub. Published October 25, 2026. Online sales are taxable with or without a 1099-K, which now needs $20,000 and 200 sales; state sales tax nexus starts at $100,000 or $500,000.

Short answer:
- Money from selling online is taxable income whether or not you get a form. The IRS says you must report it even without a Form 1099-K; only personal items sold at a loss are not taxable.
- For 2025 and 2026, marketplaces and payment apps must send a Form 1099-K only when your payments exceed $20,000 and 200 transactions. Card processors report every amount, and platforms may send one below the threshold.
- If selling is a business, you owe self-employment tax of 15.3% once net earnings reach $400, on top of income tax.
- Sales tax is separate. Economic nexus thresholds in the ten biggest states run from $100,000 (Florida, Pennsylvania, Illinois, Ohio, Georgia, North Carolina, Michigan) to $500,000 (California, Texas, New York). Illinois dropped its 200-transaction test on January 1, 2026.
- Amazon, Etsy and eBay collect sales tax for you on marketplace sales in states with marketplace facilitator laws, but not on your own website's sales, and some states still want you registered.

### LLC vs sole proprietorship 2026: taxes, state fees, S corp math

https://mainstreetradar.com/llc-vs-sole-proprietorship/

Hub. Published October 25, 2026. A single-member LLC is taxed like a sole proprietorship by default; an S corp election saved $928 to $6,867 a year on our 2026 sums from $60k profit.

Short answer:
- A single-member LLC is a disregarded entity by default: for federal income tax it files exactly like a sole proprietorship, on Schedule C and Schedule SE, and pays the same 15.3% self-employment tax.
- What an LLC changes is legal, not tax: the business becomes a separate entity under state law. State filing fees run from $70 to $300 in the six big states we checked, and California adds an $800 annual tax from year one.
- The tax saving people talk about comes from an S corporation election (Form 2553). On our 2026 sums it costs more than it saves at $30,000 of profit and saves about $928 at $60,000 and $2,413 at $90,000 after an assumed $2,000 a year of payroll and filing costs.
- The 2026 Social Security wage base is $184,500, which is why the S corporation saving at $250,000 is smaller than at $180,000.
- An EIN is free from the IRS, and since FinCEN's final rule of August 11, 2026, US-formed LLCs do not file BOI reports.

### Best business checking accounts 2026: yearly cost for 4 business types

https://mainstreetradar.com/business-checking-accounts/

Hub. Published October 25, 2026. We priced 15 US business checking accounts for four business types. With no cash or wires, nine cost $0; with wires, big banks cost $720 to $1,260 a year.

Short answer:
- We priced 15 business checking accounts for four business types over three years, from each provider's fee schedule.
- New freelancer: nine accounts cost $0 a year. Relay ranks first; Chase, Wells Fargo and Capital One cost $150 to $180 a year if your balance sits below $2,000.
- Business depositing $4,000 cash a month: Relay costs $0 through Allpoint+ ATMs, and five big banks cost $0 because the profile's balance or debit card spend meets their fee waiver. Bluevine costs $408 and Lili about $619.
- Online seller sending three wires a month: Mercury costs $0; most big banks cost $900 to $1,260 a year, almost all of it wire fees.
- Small LLC or S corp with two wires out: Mercury and Axos cost $0, Relay $192; big banks cost $720 to $1,020.

## Guides


### Form 1099-K 2026: $20,000 threshold, state rules and checker

https://mainstreetradar.com/form-1099-k/

Guide. Published October 25, 2026. For 2026, apps and marketplaces send a 1099-K only above $20,000 and 200 transactions per platform; some states are lower. Check yours.

Short answer:
- For 2026, a payment app or online marketplace must send you a Form 1099-K only if it paid you more than $20,000 and in more than 200 transactions, both tests, per platform.
- The One, Big, Beautiful Bill Act restored that threshold retroactively, so the planned $600 rule for 2026 never took effect federally.
- Card processors (merchant accounts, card readers) report card sales with no minimum.
- Some states are lower: Massachusetts $600, Vermont $2,000, Illinois over $1,000 with four or more transactions; Virginia and Maryland follow the federal 1099-MISC threshold.
- Your 2026 Form 1099-K must reach you by February 1, 2027.
- Income from selling goods or services is taxable whether or not a form arrives.

### Quarterly estimated taxes 2026: due dates, calculator, safe harbor

https://mainstreetradar.com/quarterly-estimated-taxes/

Guide. Published October 25, 2026. Your next 1040-ES payment is due January 15, 2027. Work out self-employment tax, the 90%/100%/110% safe harbor and four payments.

Short answer:
- The next federal estimated tax payment is the 4th installment for 2026, due January 15, 2027. The 2027 payments are due April 15, June 15 and September 15, 2027, and (expected) January 18, 2028.
- You generally have to pay if you expect to owe $1,000 or more for the year after withholding and refundable credits (IRC 6654(e)(1)).
- No penalty if you prepay the smaller of 90% of this year’s tax or 100% of last year’s tax, or 110% if last year’s AGI was over $150,000 ($75,000 married filing separately).
- Self-employment tax is 15.3% of 92.35% of your profit; the 12.4% Social Security part stops at $184,500 for 2026 and $192,300 for 2027.
- Late or short payments cost the underpayment rate, 7% a year for October to December 2026, for each day they are unpaid (Form 2210).
- Pay through your IRS Online Account or Direct Pay, free from a bank account. EFTPS no longer takes new enrollments from individuals.

### Is IRS down? Live IRS website, Direct Pay and EFTPS status

https://mainstreetradar.com/is-irs-down/

Guide. Published October 25, 2026. Independent live check of IRS.gov, Direct Pay, EFTPS, e-file and IRIS, with the IRS's published maintenance hours and what to do on a due date.

Short answer:
- Is IRS down right now? The live check below shows each service separately.
- Jump to: Direct Pay · EFTPS · sign-in · e-file · IRIS · Where's My Refund · EIN · maintenance · deadline day
- Many "outages" are scheduled: Direct Pay is closed every Sunday 12 a.m. to 7 a.m. ET and nightly 11:45 p.m. to midnight ET; Where's My Refund every Monday 12 a.m. to 3 a.m. ET.
- EFTPS payments must be scheduled by 8 p.m. ET the day before the due date. On the due date itself, a same-day wire through your bank is the fallback for business deposits.
- An IRS outage does not move a deadline. A check with a USPS postmark on or before the due date counts as on time (26 U.S.C. §7502), but federal tax deposits must be electronic.
- FIRE, the old 1099 e-filing system, takes its last filings on November 19, 2026 at 3 p.m. ET. After that, information returns go through IRIS only.

## About MainStreetRadar

- [About MainStreetRadar](https://mainstreetradar.com/about/): Who runs MainStreetRadar, how it is funded and which companies I am involved in.
- [Editorial policy](https://mainstreetradar.com/editorial-policy/): How MainStreetRadar checks every business checking bonus and fee against the bank's own terms, dates each figure, and corrects or removes it.
- [Contact](https://mainstreetradar.com/contact/): How to reach Greg Ciupek at MainStreetRadar: questions about a bonus, corrections to our data, and press or partnership inquiries.
- [Terms of use](https://mainstreetradar.com/terms/): The terms for using MainStreetRadar: what our bonus, fee and tax data is, what it is not (advice), and how to report a mistake.
- [Privacy policy](https://mainstreetradar.com/privacy-policy/): What personal data MainStreetRadar collects, why, how long we keep it, and your rights under the GDPR and US state privacy laws.

## For AI agents

- [For AI agents](https://mainstreetradar.com/for-agents/): public read-only REST API, MCP server and Markdown pages; no registration
- [MCP server](https://mainstreetradar.com/mcp): Streamable HTTP; tools list_offers, get_offer, account_fees, cost_ranking, search_guides, site_status
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## Citing

Each API and MCP result has a `url` on mainstreetradar.com and a `cite` line. Offers carry the date they were checked (`checked`) and their end date (`ends`); the provider's terms prevail over any summary.