Up to $750
30.4% annualized bonus return
Not bank APY
Hold $5k ($400) or $15k ($750) ~60 days.
Ease 4/10 · ~60 daysNo expiration
Hold balanceDetails
30.4% annualized bonus return (not bank APY)
$15,000 kept in the account, 60 days
Business checking account bonuses, ranked by what they actually pay
Updated October 2026 · 8 live offers · last full review 2026-07-07
A business checking account bonus is cash a bank pays a company for opening a new business checking account and meeting a requirement, usually a minimum balance held for 60 to 90 days or a set number of card transactions. Current U.S. offers run from about $100 to $3,000, and the payouts are larger than personal checking bonuses because business deposits are worth more to the bank.
Business checking bonuses pay far more than personal ones for the same amount of paperwork, because a funded operating account is the product banks want most. Below is every business offer we track, sorted by the return on the cash you actually have to move, with the balance requirement and the qualifying activity spelled out so nothing surprises you at day 89.
Some of these are limited to certain states. Filter the board to yours:
Offers tracked
8
Biggest payout
$1,200
Top annualized bonus return (not bank APY)
30%
No direct deposit
8 offers
$1,200
29.2% annualized bonus return
Not bank APY
Hold $25,000 new money 60 days + 6 qualifying transactions.
Ease 3/10 · ~30 days afterAug 30, 2026
Hold balanceDetails
29.2% annualized bonus return (not bank APY)
$25,000 kept in the account, 60 days
Up to $200
16.2% annualized bonus return
Not bank APY
Hold $3,000 avg · $50 per cycle · code START200.
Ease 6/10 · per cycleAug 30, 2026
Hold balanceDetails
16.2% annualized bonus return (not bank APY)
$3,000 kept in the account, 150 days
$300
$300 cash
No retained balance documented
Qualified first deposit of $100+.
Ease 8/10 · after qualifyingNo expiration
Direct depositDetails
$300 cash
No retained balance documented
$500 statement credit
Not fixed cash
No retained balance documented
Spend $5,000 on purchases within the first 6 months. LLC, sole prop, freelancer, or side hustle all qualify.
Ease 6/10 · Statement credit posts 8 to 12 weeks after the spend requirement is metNo expiration
Bonus / matchDetails
Not fixed cash
No retained balance documented
$500 statement credit
Not fixed cash
No retained balance documented
Approved for a BILL business card and post $10,000 in qualifying spend within the first 90 days.
Ease 5/10 · Credit posts to the account 4 to 6 weeks after qualifying spend clearsNo expiration
Bonus / matchDetails
Not fixed cash
No retained balance documented
Invite bonus
$300 cash
No retained balance documented
Open Associated business checking via referral.
Ease 5/10 · after activityNo expiration
Bonus / matchDetails
$300 cash
No retained balance documented
Invite bonus
$250 cash
No retained balance documented
Open a Mercury business account through a referral.
Ease 7/10 · after fundingNo expiration
Bonus / matchDetails
$250 cash
No retained balance documented
Return on parked cash
Annualized bonus return on these offers
Bonus divided by the money you must hold, annualized over the hold period.
Start the top APY offers
Buttons without a green fill go to the bank's own public offer, which is the better deal on those rows. See every bonus.
Headline dollars
Biggest payouts here
Raw bonus size, before accounting for the cash you have to move.
Start the biggest payouts
U.S. Bank$1,200Bank of AmericaUp to $750Amex Blue Business Cash$500 statement creditBILL Spend & Expense (formerly Divvy)$500 statement creditGrasshopper$300Associated BankInvite bonus
Buttons without a green fill go to the bank's own public offer, which is the better deal on those rows. See every bonus.
Cash bonus
Largest fixed cash bonuses
Only fixed cash rewards are ranked. Check the retained balance, direct deposit and fees in each offer's requirements.
Read these numbers as a table
| Offer | Payout | Money tied up | Annualized bonus return | Cash bonus |
|---|---|---|---|---|
| U.S. Bank Platinum Business Checking | $1,200 | $25,000 for about 60 days | 29.2% | $1,200 cash |
| Bank of America Business Advantage Banking | Up to $750 | $15,000 for about 60 days | 30.4% | $750 cash |
| Grasshopper Business Checking | $300 | None | No retained balance documented | $300 cash |
| Associated Bank Business Checking | Invite bonus | None | No retained balance documented | $300 cash |
| Mercury Business Banking | Invite bonus | None | No retained balance documented | $250 cash |
| Axos Basic Business Checking | Up to $200 | $3,000 for about 150 days | 16.2% | $200 cash |
| Amex Blue Business Cash Credit Card | $500 statement credit | None | No retained balance documented | Not fixed cash |
| BILL Spend & Expense (formerly Divvy) Business Charge Card | $500 statement credit | None | No retained balance documented | Not fixed cash |
Work against money
Where the easy money sits
Top-left is the sweet spot: a big payout for very little work.
Each dot is one offer in America. Further right means a higher editorial ease rating; higher means a larger headline. Bigger dots have a documented annualized bonus return (not bank APY).
Read these numbers as a table
| Offer | Payout | Money tied up | Annualized bonus return | Cash bonus |
|---|---|---|---|---|
| U.S. Bank Platinum Business Checking | $1,200 | $25,000 for about 60 days | 29.2% | $1,200 cash |
| Bank of America Business Advantage Banking | Up to $750 | $15,000 for about 60 days | 30.4% | $750 cash |
| Amex Blue Business Cash Credit Card | $500 statement credit | None | No retained balance documented | Not fixed cash |
| BILL Spend & Expense (formerly Divvy) Business Charge Card | $500 statement credit | None | No retained balance documented | Not fixed cash |
| Grasshopper Business Checking | $300 | None | No retained balance documented | $300 cash |
| Associated Bank Business Checking | Invite bonus | None | No retained balance documented | $300 cash |
| Mercury Business Banking | Invite bonus | None | No retained balance documented | $250 cash |
| Axos Basic Business Checking | Up to $200 | $3,000 for about 150 days | 16.2% | $200 cash |
Hold time on the strongest offer here
Bank of America Business Advantage Banking: what waiting costs you
The same payout is worth much more when the money comes back quickly. The marked point is the offer's own stated window.
Keeping $15,000 in the account for 60 days pays $750. Annualized bonus return, not bank APY: 30.4%.
Read this chart as a table
| Money committed for | Annualized bonus return | Note |
|---|---|---|
| 30 days | 60.8% | |
| 45 days | 40.6% | |
| 60 days | 30.4% | The offer's own stated window |
| 90 days | 20.3% | |
| 120 days | 15.2% | |
| 180 days | 10.1% | |
| 270 days | 6.8% | |
| 365 days | 5.0% |
Start this offer
Buttons without a green fill go to the bank's own public offer, which is the better deal on those rows. See every bonus.
Every offer at a glance
| Offer | Bonus | Requirement | Annualized bonus return | Cash bonus | Checked |
|---|---|---|---|---|---|
| Bank of America Business Advantage Banking | Up to $750 | Hold $5k ($400) or $15k ($750) ~60 days. | 30.4% | $750 cash | 2026-07-05 |
| U.S. Bank Platinum Business Checking | $1,200 | Hold $25,000 new money 60 days + 6 qualifying transactions. | 29.2% | $1,200 cash | 2026-07-05 |
| Axos Basic Business Checking | Up to $200 | Hold $3,000 avg · $50 per cycle · code START200. | 16.2% | $200 cash | 2026-07-05 |
| Grasshopper Business Checking | $300 | Qualified first deposit of $100+. | No retained balance documented | $300 cash | 2026-07-05 |
| Amex Blue Business Cash Credit Card | $500 statement credit | Spend $5,000 on purchases within the first 6 months. LLC, sole prop, freelancer, or side hustle all qualify. | No retained balance documented | Not fixed cash | 2026-07-05 |
| BILL Spend & Expense (formerly Divvy) Business Charge Card | $500 statement credit | Approved for a BILL business card and post $10,000 in qualifying spend within the first 90 days. | No retained balance documented | Not fixed cash | 2026-07-05 |
| Associated Bank Business Checking | Invite bonus | Open Associated business checking via referral. | No retained balance documented | $300 cash | 2026-07-05 |
| Mercury Business Banking | Invite bonus | Open a Mercury business account through a referral. | No retained balance documented | $250 cash | 2026-07-05 |
Questions people ask
Which banks pay bonuses for opening a business checking account?
The list on this page is the current answer, refreshed from each bank's own terms page. National banks, online business banks, and regional banks all run business checking offers, and the online-only banks usually have the lowest balance thresholds.
What do I need to open a business checking account?
Typically an EIN or, for a sole proprietor, your Social Security number, plus formation documents if you are an LLC or corporation, a business address, and personal ID for every owner with 25 percent or more of the company.
Can a sole proprietor get a business checking bonus?
Usually yes. Most business offers accept sole proprietors banking under their own name and Social Security number, though a few require an EIN or registered entity. The requirement line on each offer below says which one applies.
Are business checking bonuses taxable?
Yes. They are reported to the business on Form 1099-INT or 1099-MISC and count as business income for the year the bonus posted. Talk to your accountant about how it lands on your return.
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By bank
Every offer a brand is running right now.
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Every account, one place
Bonus links across banks, brokers, cards, crypto, and cashback apps. Many have not had their terms or promotion permission reviewed yet; each card says which. Churnables may earn a referral reward when you qualify through these links, and the issuer's page will show the referral code after you arrive.