U.S. Bank Platinum Business Checking vs Axos Basic 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.
| U.S. Bank Platinum Business Checking | Axos Basic Business Checking | |
|---|---|---|
| Bonus | $1,200 | Up to $200 |
| Requirement | Hold $25,000 new money 60 days + 6 qualifying transactions. | Hold $3,000 avg · $50 per cycle · code START200. |
| Direct deposit | Not required | Not required |
| Money tied up | $25,000 | $3,000 |
| Hold period | 60 days | 150 days |
| Effective APY | 29.2% | 16.2% |
| Payout | ~30 days after | per cycle |
| Last checked | Jul 5, 2026 | Jul 5, 2026 |