U.S. Bank Business Checking Bonus
There is a $1,200 U.S. Bank business checking bonus offer out that is one of the highest bank bonuses out there. There is also an option for a $400 bonus, if you can't meet the deposit requirements of the higher offer. Let's look at the details for this offer and see who is eligible for this nice chunk of change.UPDATE 7/3/26: This massive offer has returned.
RELATED: How A Simple Mistake Cost Me A $1,200 Bank Bonus
U.S. Bank Business Checking Offer Details
Here are the details for the $1,200 U.S. Bank business checking bonus:
- Earn your $1,200 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking Package before Sept. 27, 2026.
- You must make deposit(s) of at least $25,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $25,000 until the 60th day after account opening.
- Complete six qualifying transactions within 60 days (based on posted date).
- Promo code: Q3AFL26
- Note: Doctor of Credit has also reported in the past that it may be possible to get an even higher offer in-branch.
Here are the details for the $400 U.S. Bank business checking bonus:
- Earn your $400 Business Checking bonus by opening a new U.S. Bank Business Essentials account (not available in all markets) account before Sept. 27, 2026.
- You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening.
- Complete six qualifying transactions within 60 days (based on posted date).
- Promo code: Q3AFL26
Who Is Eligible For This Offer
U.S. 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 U.S. Bank credit card. Some members of the ToP team don't have any U.S. Bank branches in their states but have been able to get the accounts in the past because they also had credit card(s) with U.S. Bank. Find the most up-to-date info on which states have a U.S. Bank branch on the bank's location page.
RELATED: If looking for a personal account then check out this other $900 bonus.
Offer Terms
Here are some notable terms for the offer:
- New money is considered money that is new to U.S. Bank. Funds must come from outside U.S Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate.
- Checking account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus.
- Limit of one bonus per business, with a $25 minimum deposit required to open one these accounts.
- For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day.”
- The business checking bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.
- Promo may not be combined with other business checking bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months do not qualify.
- Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes.
- Qualifying transactions include: Debit card purchases, ACH and wire credits or debits, Zelle® credits and debits, U.S. Bank mobile check deposit or bill pay (excluding payments made by credit card) and payment received via U.S. Bank Payment Solutions.
- Not eligible: Person-to-person payments, credit card transfers (including bill payments to U.S. Bank credit cards) or transfers between U.S. Bank accounts.
- Note: You must make all five qualifying transactions within 60 days of opening your account to receive your bonus.
Account Fees & Credit Card Funding
If you open a U.S. Bank Business Essentials account it doesn't appear to have any monthly maintenance fee (this may require enrollment in paperless statements). If you open the U.S. Bank Platinum Business Checking account for the $1,200 bonus, you can get the fee waived the following ways:
- An active U.S. Bank Payment Solutions account
- Or $25,000 average collected checking balance
- Or $75,000 combined average collected business deposits and outstanding business credit balances
Doctor of Credit reports you should be able to fund the account with a credit card for up to $3,000. (But note that it may or may not earn points or work for a welcome offer. YMMV.) 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
$1,200 U.S. Bank Business Checking Bonus: ToP Thoughts
This is a pretty great business checking bonus and easily one of the better options on the market. The requirement of the Platinum Business Checking account for the higher offer is a downer. The $25,000 in required deposits will likely be too steep for many. If you do go for that one, the required money will keep the account free though. You would miss out on earning interest income on a savings account though, so it may make more sense to eat the $30 fee when waiting for the bonus to post. The $400 option may be the easier one for many.
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 the bank, 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!
