# 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/

Full version with offer conditions, the fee table and article summaries: https://mainstreetradar.com/llms-full.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): 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+. Ends November 15, 2026. Checked October 25, 2026.
- [Bank of America Business Advantage Fundamentals or Relationship Banking (tiered offer) — $2,500 bonus plus 12 months free](https://mainstreetradar.com/#offers): 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. Ends November 30, 2026. Checked October 25, 2026.
- [M&T Bank Business Essential, Plus or Premium Checking — $1,500 bonus plus 3 months free](https://mainstreetradar.com/#offers): 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+). Ends November 30, 2026. Checked October 25, 2026.
- [BOK Financial Business Access / Business Advantage Checking (Colorado) — $1,500 bonus plus 3 months free](https://mainstreetradar.com/#offers): 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. Ends December 31, 2026. Checked October 25, 2026.
- [BMO Digital, Simple, Premium or Elite Business Checking — $1,500 bonus](https://mainstreetradar.com/#offers): 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. Ends February 1, 2027. Checked October 25, 2026.
- [U.S. Bank Platinum Business Checking Package — $1,200 bonus](https://mainstreetradar.com/#offers): 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. Ends January 13, 2027. Checked October 25, 2026.
- [KeyBank Key Business Reward Checking — $1,000 bonus plus 2 months free](https://mainstreetradar.com/#offers): 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. Ends November 6, 2026. Checked October 25, 2026.
- [Huntington Bank Unlimited Plus Business Checking — $1,000 bonus](https://mainstreetradar.com/#offers): 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. Ends February 11, 2027. Checked October 25, 2026.
- [PNC Bank Treasury Enterprise Plan or Analysis Business Checking — $1,000 bonus](https://mainstreetradar.com/#offers): 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. Ends December 31, 2026. Checked October 25, 2026.
- [SouthState Bank Business checking (Small Business, Business Gold, Community, Commercial) — $1,000 bonus](https://mainstreetradar.com/#offers): 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. Checked October 25, 2026.
- [Wells Fargo Initiate Business Checking — $825 bonus](https://mainstreetradar.com/#offers): 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. Ends November 10, 2026. Checked October 25, 2026.
- [Truist Simple or Dynamic Business Checking — $800 bonus](https://mainstreetradar.com/#offers): 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. Ends March 24, 2027. Checked October 25, 2026.
- [Bank of America Business Advantage Fundamentals or Relationship Banking — $750 bonus plus 12 months free](https://mainstreetradar.com/#offers): 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. Ends December 31, 2026. Checked October 25, 2026.
- [Associated Bank Business Access, Balanced or Choice Checking — $750 bonus](https://mainstreetradar.com/#offers): 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. Ends October 31, 2026. Checked October 25, 2026.
- [Bluevine Business Checking — $500 bonus plus 3 months free](https://mainstreetradar.com/#offers): 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. Ends January 31, 2027. Checked October 25, 2026.
- [Hancock Whitney Essential, Preferred or Interest Business Checking — $500 bonus](https://mainstreetradar.com/#offers): 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. Ends February 28, 2027. Checked October 25, 2026.
- [Fulton Bank Business Checking — $500 bonus](https://mainstreetradar.com/#offers): 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. Ends December 31, 2026. Checked October 25, 2026.
- [Chase Business Complete Checking — $500 bonus](https://mainstreetradar.com/#offers): 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. Ends January 21, 2027. Checked October 25, 2026.
- [Capital One Basic or Enhanced Business Checking — $500 bonus](https://mainstreetradar.com/#offers): 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. Checked October 25, 2026.
- [Found Business Banking (Faire sellers) — $500 bonus](https://mainstreetradar.com/#offers): 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. Ends December 31, 2026. Checked October 25, 2026.
- [U.S. Bank Business Essentials Checking — $400 bonus](https://mainstreetradar.com/#offers): 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. Ends January 13, 2027. Checked October 25, 2026.
- [Huntington Bank Unlimited Business Checking — $400 bonus](https://mainstreetradar.com/#offers): 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. Ends February 11, 2027. Checked October 25, 2026.
- [PNC Bank Business Checking or Business Checking Plus — $400 bonus](https://mainstreetradar.com/#offers): 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. Ends December 31, 2026. Checked October 25, 2026.
- [American Express Amex Business Checking — $350 bonus](https://mainstreetradar.com/#offers): 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. Checked October 25, 2026.
- [MidFirst Bank Momentum Business Checking — $300 bonus](https://mainstreetradar.com/#offers): 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. Ends December 31, 2026. Checked October 25, 2026.
- [Found Business Banking — $250 bonus](https://mainstreetradar.com/#offers): Earn $250 with code 1800ACCOUNTANT once $2,500 in Stripe or Square deposits reaches a new Found account. Ends December 31, 2026. Checked October 25, 2026.
- [Mercury Business Checking — $250 bonus](https://mainstreetradar.com/#offers): 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. Checked October 25, 2026.
- [Found Business Banking — $200 bonus](https://mainstreetradar.com/#offers): Earn $200 with code MILEIQ when you receive $2,000 or more into a new Found account within 60 days of opening. Ends December 31, 2026. Checked October 25, 2026.
- [Axos Bank Basic Business Checking — $200 bonus](https://mainstreetradar.com/#offers): 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. Ends January 31, 2027. Checked October 25, 2026.
- [TD Bank Business Premier Checking (6 months) or other TD small business checking (3 months) — 6 months free](https://mainstreetradar.com/#offers): 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. Ends October 31, 2026. Checked October 25, 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

## 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)

### Established LLC that deposits cash

1. Relay Business Checking (Starter plan)

### Online seller

1. Mercury Business checking (free plan)

### Small LLC or S corp sending wires

1. Mercury Business checking (free plan)

## Hubs

- [Business checking bonuses: live tracker checked against the terms](https://mainstreetradar.com/business-checking-bonuses/): Hub, updated 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.
- [Online seller taxes 2026: income tax, 1099-K and sales tax by state](https://mainstreetradar.com/online-seller-taxes/): Hub, updated 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.
- [LLC vs sole proprietorship 2026: taxes, state fees, S corp math](https://mainstreetradar.com/llc-vs-sole-proprietorship/): Hub, updated 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.
- [Best business checking accounts 2026: yearly cost for 4 business types](https://mainstreetradar.com/business-checking-accounts/): Hub, updated 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.

## Guides

- [Form 1099-K 2026: $20,000 threshold, state rules and checker](https://mainstreetradar.com/form-1099-k/): Guide, updated 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.
- [Quarterly estimated taxes 2026: due dates, calculator, safe harbor](https://mainstreetradar.com/quarterly-estimated-taxes/): Guide, updated 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.
- [Is IRS down? Live IRS website, Direct Pay and EFTPS status](https://mainstreetradar.com/is-irs-down/): Guide, updated 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.

## 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
- [OpenAPI 3.1](https://mainstreetradar.com/openapi.json): REST API at https://mainstreetradar.com/wp-json/msr/v1
- [Agent skill](https://mainstreetradar.com/.well-known/agent-skills/mainstreetradar-us-business-banking/SKILL.md): how to use and cite the data

## 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.