Axos Basic Business Checking vs U.S. Bank Platinum Business Checking
U.S. Bank Platinum Business Checking returns more on the money it ties up, so it is the better first move for most people. Axos Basic Business Checking still makes sense if its requirement is easier for you to meet.
| Axos Basic Business Checking | U.S. Bank Platinum Business Checking | |
|---|---|---|
| Bonus | Up to $200 | $1,200 |
| Requirement | Hold $3,000 avg · $50 per cycle · code START200. | Hold $25,000 new money 60 days + 6 qualifying transactions. |
| Direct deposit | Not required | Not required |
| Money tied up | $3,000 | $25,000 |
| Hold period | 150 days | 60 days |
| Effective APY | 16.2% | 29.2% |
| Payout | per cycle | ~30 days after |
| Last checked | Jul 5, 2026 | Jul 5, 2026 |
Start either one now
Buttons without a green fill go to the bank's own public offer, which is the better deal on those rows. See every bonus.
Return on parked cash
Effective APY, side by side
Bonus divided by the money you must hold, annualized over the hold period.
Headline dollars
Payout size, side by side
What each offer actually pays, before considering the capital it ties up.
Axos Basic Business Checking
How the money builds
Start Axos
Buttons without a green fill go to the bank's own public offer, which is the better deal on those rows. See every bonus.
U.S. Bank Platinum Business Checking
How the money builds
Start U.S. Bank
Buttons without a green fill go to the bank's own public offer, which is the better deal on those rows. See every bonus.
Step by step
Axos timeline
From opening the account to the bonus landing in it.
- 1Day 0Open the account$0 to start · no DD needed
- 2~Day 5Fund with required balanceHold $3,000 avg · $50 per cycle · code START200.
- 3~Day 155Bonus posts - Up to $200per cycle. Cash lands in the account you just opened.
Step by step
U.S. Bank timeline
From opening the account to the bonus landing in it.
- 1Day 0Open the account$0 to start · no DD needed
- 2~Day 5Fund with required balanceHold $25,000 new money 60 days + 6 qualifying transactions.
- 3~Day 65Bonus posts - $1,200~30 days after. Cash lands in the account you just opened.
Keep going
Full breakdowns
Requirements, timeline, effective APY, and step by step for each.
Lists these appear on
Other offers worth a look
Master bonus wall
Every account, one place
58+ bonus links across banks, brokers, cards, crypto, and cashback apps. Every button hits a cloaked /go/ redirect, so no personal token ever lands in your browser bar.