Are you a small business owner looking to open a business checking account? We have compile a list of best business bank bonuses, promotions, and offers to open a small business checking account.
Update 12/10/24: Find the most extensive list of business checking bonuses on the web! Let us know if you find something new.
Having a business checking account provides effective cash management and simplifies tax preparation for small business owners.
Can I open a business bank account? I don’t have a registered business.
Yes, you may already have a business. Many people aren’t aware of the fact that anyone can apply for business checking account, even if they are not part of a corporation or LLC.
If you ever sell things on eBay or Craigslist, or some side hustle? Done any freelance work for a friend? Then you have a business and you’re able to open a business bank account.
Just use your own name as the business name, and your Social Security Number as the Tax ID.
Why? Because any individual can be a business as well. The business type is called a sole proprietorship. This is the most simple business entity, but it is fully legit and recognized by the IRS.
Featured Business Bank Accounts
 | Chase Business Complete Checking®: Earn $300 or $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities. Chase offers financial products and services that let you bank when and how you want. Get Coupon---Chase Business Checking Review |
 | Huntington Unlimited Business Checking: Earn $400 bonus when you open a Huntington Unlimited Business Checking account and make total deposits of at least $5,000 within 60 days of account opening. The $400 bonus will be deposited into your account after all requirements are met. This account is for businesses with higher checking activity and greater cash flow needs. Apply Now---Huntington Unlimited Business Checking Review |
 | U.S. Bank Business Checking: Earn a $500 bonus when you open a Silver Business Checking Account or $900 when you open a Platinum Business Checking Account online with promo code Q1AFL25 and complete qualifying activities, subject to certain terms and limitations. Offer valid through March 31, 2025. Member FDIC. Apply Now---U.S. Bank Business Checking Review |
 | Bank of America Business Advantage Checking Bonus Offer Open a new Bank of America Business Advantage checking account and complete the eligible requirements to earn a $200 cash bonus offer. See offer page for more details. Additional terms and conditions apply. See offer page for more details. Learn More---Bank of America Business Checking Review |
Best Business Bank Bonuses
| PROMOTIONAL LINK | OFFER | REVIEW |
| U.S. Bank Silver Business Checking Package | $900 Cash | Review |
| U.S. Bank Gold Business Checking Package | $900 Cash | Review |
| U.S. Bank Platinum Business Checking Package | $900 Cash | Review |
| Chase Business Complete Checking® | $300 or $500 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $1,000 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $100 Cash | Review |
| Axos Bank Basic Business Checking | $400 Cash | Review |
| Axos Bank Business Interest Checking | $400 Cash | Review |
| Regions Bank Business Checking | $150 Cash | Review |
| NorthOne Business Checking | $20 Credit | Review |
| Novo Business Checking | $75 Cash | Review |
| BlueVine Business Checking | 2.00% APY | Review |
| Bank | State(s) | Bonus | Expiration | Review |
|---|---|---|---|---|
| Advantis Credit Union | OR, WA | $100 | None | Review |
| Air Academy Credit Union | CO | $1,000 | None | Review |
| AltaOne Federal Credit Union | CA | $650 | 10/31/2024 | Review |
| Altra Federal Credit Union | CO, MN, NJ, TN, TX, WI | $250 | None | Review |
| American Bank & Trust | SD, MN | $100 | None | Review |
| American Express | Nationwide | 30K Points | None | Review |
| Arc | Nationwide | $600 | 12/30/2024 | Review |
| Associated Bank | IA, IL, IN, KS, MI, MN, MO, OH, WI | $750 | 06/30/2025 | Review |
| Ballston Spa National Bank | NY | $240 | None | Review |
| Ballston Spa National Bank | NY | $100 | None | Review |
| BankPlus | AL, LA, MS | $110 | None | Review |
| Banner Bank | CA, ID, OR, WA | $600 | 12/31/2024 | Review |
| Baselane Banking | Nationwide | $500 | None | Review |
| Blue Foundry Bank | Nationwide | $1,000 | None | Review |
| BMO | AZ, FL, IL, IN, KS, MO, MN, WI | $750 | 02/01/2025 | Review |
| Brightstar Credit Union | FL | $100 | None | Review |
| Broadway Bank | TX | $1000 | None | Review |
| Broadway Bank | TX | $500 | None | Review |
| Central Bank | CO, IL, KS, MO, OK | $500 | 01/31/2025 | Review |
| Chartway Federal Credit Union | Nationwide | $500 | 08/31/2024 | Review |
| Citadel Credit Union | PA | $1,000 | 12/31/2024 | Review |
| Citi | Nationwide | Up to $2000 | 07/07/2025 | Review |
| Citizens Bank | CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL | $250 | 07/20/2024 | Review |
| Community Financial Credit Union | MI | $750 | None | Review |
| Community First Credit Union | FL | $200 | None | Review |
| Consumers Credit Union | MI | $200 | None | Review |
| Cyprus Credit Union | UT | $100 | 08/31/2024 | Review |
| Dedham Savings Bank | MA | $300 | 12/31/2025 | Review |
| Equity Bank | AR, KS, OK, MO | $400 | 12/31/2024 | Review |
| Excite Credit Union | CA, NC | $300 | None | Review |
| Farm Bureau Bank | TX, NV | $250 | None | Review |
| Farm Bureau Bank | TX, NV | $250 | None | Review |
| Fidelity Bank | PA | $800 | None | Review |
| First Federal Bank | FL | $400 | None | Review |
| First Horizon Bank | AL, AR, FL, GA, KY, LA, MS, NC, NY, SC, TX, TN, VA | $800 | 12/31/2024 | Review |
| First National Bank | PA, OH, MD, DC, VA, NC, SC, WV | $800 | 12/31/2024 | Review |
| First Service Bank | AR | $500 | None | Review |
| First South Financial | TN | $1000 | 10/31/2024 | Review |
| First United Credit Union | MI | $100 | None | Review |
| Flagstar Bank | MI, IN, OH | $500 | None | Review |
| Flushing Bank | NJ, NY | $1700 | None | Review |
| FNBO | CO, IA, IL, KS, NE, SD, TX, MO, WI, WY | $500 | 12/31/2024 | Review |
| FNCB Bank | PA | $1100 | None | Review |
| Found Banking | Nationwide | $125 | 03/31/2025 | Review |
| Freedom Federal Credit Union | MD | $100 | None | Review |
| FreeStar Financial Credit Union | MI | $500 | None | Review |
| Guaranty Bank | MS, TN | $300 | 12/08/2024 | Review |
| Katahdin Trust Company | ME | $500 | None | Review |
| Kemba Financial Credit Union | OH | $300 | 09/30/2024 | Review |
| LiLi Banking | Nationwide | $300 | 12/31/2024 | Review |
| M&T Bank | CT, DC, DE, MD, NJ, NY, PA, VA & WV | $1500 | 03/28/2025 | Review |
| Mercury Banking | Nationwide | $100 | None | Review |
| Mercury Banking | Nationwide | $500 | None | Review |
| MidFirst Bank | AZ, OK, TX | $300 | 03/31/2025 | Review |
| MIDFLORIDA Credit Union | FL | $300 | None | Review |
| North State Bank | NC | $450 | None | Review |
| North State Bank | NC | $200 | None | Review |
| Old National Bank | IL, IN, KY, MI, WI | $1200 | 09/30/2024 | Review |
| Partner Colorado Credit Union | CO | $250 | 12/31/2024 | Review |
| PNC Bank | AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA, WI and WV | $1000 | 03/31/2025 | Review |
| PNC Bank | AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA, WI and WV | $1000 | 03/31/2025 | Review |
| Primis Bank | Nationwide | $100 | 07/31/2024 | Review |
| Provident Credit Union | CA | $300 | None | Review |
| Regent Bank | OK, MO | $2000 | None | Review |
| Relay Financial Banking | Nationwide | $150 | 01/15/2025 | Review |
| Republic Bank of Chicago | IL | $2,000 | None | Review |
| Republic Bank | FL, IN, KY, OH & TN | $200 | 12/31/2025 | Review |
| S&T Bank | OH, PA | $900 | 03/31/2025 | Review |
| Santander Bank | NH, FL, MA, RI, CT, DE, NY, NJ, PA | $500 | 12/31/2024 | Review |
| Seacoast Bank | FL | $600 | 12/31/2024 | Review |
| Seacoast Bank | FL | $600 | 12/31/2024 | Review |
| South State Bank | AL, FL, GA, NC, SC, VA | $400 | None | Review |
| TBK Bank | CO, IA, IL, KS & TX | $200 | None | Review |
| TBK Bank | CO, IA, IL, KS & TX | $150 | None | Review |
| TBK Bank | CO, IA, IL, KS & TX | $100 | None | Review |
| TD Bank | CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, & VT | $500 | 11/30/2024 | Review |
| Technology Credit Union | CA | $100 | None | Review |
| Texas Capital Bank | TX | $600 | 03/31/2025 | Review |
| Truist Bank | AL, AR, D.C., GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV | $400 | 03/31/2025 | Review |
| Union Savings Bank | CT | $500 | 09/27/2024 | Review |
| Valley First Credit Union | CA | $500 | None | Review |
| Vectra Bank | CO | $2,500 | 08/31/2024 | Review |
| Velocity Community Credit Union | FL | $100 | None | Review |
| Waterstone Bank | WI | $250 | None | Review |
| Webster Bank | NY, MA, RI, CT | $100 | None | Review |
| WesBanco | IN, KY, OH, PA, WV | $500 | None | Review |
| Winden | Nationwide | $200 | None | Review |
| Wintrust Bank | IL, FL, IN, WI | $500 | 01/29/2025 | Review |
Don’t forget to look for Free Business Checking accounts to keep overhead costs low. Best features of a Business Checking account include low monthly fees and very little restrictions.
Other factors particular to your individual situation include branch and ATM locations.
To enhance your business banking, check out our list of the best business credit cards.
You’ll find top bonus offers and promotions for opening a business checking account with Chase Bank, Huntington Bank, U.S. Bank, BMO, Axos Bank, Bank of America, and more!
For more, see our list of the best business bank rates.
*Bookmark this page and check back often for the latest Business Bank Bonuses & Promotions!
Thanks for sharing these Business Bank Bonuses & Promotions. This article is very helpful for me. I’ll definitely share this to others as well.
As 2/24/2020, First Horizon Bank doesn’t have any branch in Texas
Those bonuses are very encouraging especially for small business owners for better management of their assets.
Hi Anthony,
I have used your promotion ideas in several instances. It really helped to understand the requirements for each bank credit cards and accounts. Very inspiring your hardwork! Thanks.
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