US Bank Business Checking Bonus

There is a new $800 US Bank business checking bonus offer out that is one of the better ones on the market. There is also an option for a $350 bonus if you can't meet the deposit requirements of the higher offer. My wife and I each did the $500 bonus for this account two years ago on our way to earning $5,000 in bank bonuses. It was fairly straightforward and the bonus posted per the terms. Let's look at the details for this offer and see who is eligible for this nice chunk of change.

Update 2/2/24: The offer has been extended (HT DoC)

US Bank Business Checking Offer Details

Here are the details for the US Bank business checking bonus:

• To earn up to $800, open a U.S. Bank Business Checking account using the promo code Q3AFL23 and complete the following activities:
  • Open a U.S. Bank Business Checking account (Silver, Gold, Platinum).
  • Deposit $5,000 or $25,000 in new money within 30 days of account opening and maintain your balance for 60 days.

Your bonus is determined by the total amount of your deposits:

• Earn $350 when you deposit $5,000.
• Earn $800 when you deposit $25,000.

The offer expires 4/23/24

Who Is Eligible For This Offer

US Bank is a little bit of a stickler for their checking account offers. They will deny people that don't live somewhat near one of their branches. They make exceptions for this if you already have an existing relationship with them, like carrying a US Bank credit card. We don't have any US Bank branches in our state but we were both able to get the account because we each had a credit card (or two) with US Bank for several years now.

States With A US Bank Branch

• Arizona
• Arkansas
• California
• Colorado
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Minnesota
• Missouri
• Montana
• Nebraska
• Nevada
• New Mexico
• North Carolina
• North Dakota
• Ohio
• Oregon
• South Dakota
• Tennessee
• Texas
• Utah
• Washington
• Wisconsin
• Wyoming

Offer Terms

Here are some notable terms for the offer:

• Promo code Q3AFL23 MUST be used when opening the business checking account. Limit of one Business Checking bonus per business. A $100 minimum deposit is required to open a U.S. Bank Silver, Gold, Gold with Interest or Platinum Business Checking account.
  • Earn your $350 Business Checking bonus by opening a new U.S. Bank Silver, Gold, Gold with Interest or Platinum Business Checking account between 9/05/2023 and 1/31/2024. You must make new deposit(s) of at least $5,000 in new money deposits within 30 days of account opening and thereafter maintain a balance of at least $5,000 until the 60th day after account opening. The new money cannot be from an account at U.S. Bank or its Affiliates.
    • OR
  • Earn your $800 Business Checking bonus by opening a U.S. Bank Silver, Gold, Gold with Interest or Platinum Business Checking account between 9/05/2023 and 1/31/2024. You must make new deposit(s) of at least $25,000 in new money deposits within 30 days of account opening and thereafter maintain a balance of at least $25,000 until the 60th day after account opening. The new money cannot be from an account at U.S. Bank or its Affiliates.
• The business checking bonus will be deposited into your new U.S. Bank Silver, Gold, or Platinum Business Checking account within 30 days following the last calendar day of the month you complete all the offer requirements, as long as the account is open and has a positive available balance. 

Account Fees & Credit Card Funding

If you open a Silver Business Checking account it doesn't appear to have any fee (this may require enrollment in paperless statements). Doctor of Credit reports you should be able to fund the account with a credit card for up to $3,000. Just be sure to set whatever card you use to have a $100 limit etc. on cash advances. This ensures you won't get hit with huge fees if it codes as a cash advance.

Business Checking Offer Link

$800 US Bank Business Checking Bonus: ToP Thoughts

This is a pretty great business checking bonus and instantly one of the better options on the market. The fact that it is easy to keep it fee free, may offer some easy credit card spend, has a large $800 offer makes it enticing. It does require $25K in deposits which could be tough for some. I think the old version of their offer for $750 after depositing $15K was a little better, but this is still rewarding.

The hardest part is being eligible for an account since US Bank is only in around half of the states in the US. If you already have a credit card account with them then you should be able to get around those rules. Although Florida and New York may be no go states no matter what you have up your sleeves.

Let us know if you grab the offer over in our ToP Facebook Group!