| Product | Monthly fee | APY | Bonus | Min. opening deposit | |
|---|---|---|---|---|---|
 BMO Simple Business Checking Nerdwallet Rating | $10.00 Waived with $100 minimum balance | N/A | $1,500 Requirements to qualify | $100 | |
 Business Checking 100 Nerdwallet Rating | $0 | N/A | $1,000 Requirements to qualify | $0 | |
 Bank of America® Business Advantage Fundamentals™ Banking Nerdwallet Rating at Bank of America, N.A., Member FDIC | $16.00 $0 for the first 12 statement cycles. | N/A | $400 or $750 Requirements to qualify | $100 | at Bank of America, N.A., Member FDIC |
 Bluevine Business Checking Nerdwallet Rating at Bluevine, Deposits are FDIC Insured | $0 | 1.30% With $0 min. balance for APY | $500 Requirements to qualify | $0 | at Bluevine, Deposits are FDIC Insured |
 Capital One Business Basic Checking® Nerdwallet Rating at Capital One, Member FDIC | $15.00 Waived with $2,000 minimum balance | N/A | $500 Requirements to qualify | $0 | at Capital One, Member FDIC |
 Chase Business Complete Banking® Nerdwallet Rating at Chase, Member FDIC | $15.00 Waived with $2,000 minimum balance | N/A | $500 Requirements to qualify | $0 | at Chase, Member FDIC |
 Business Essentials Nerdwallet Rating at U.S. Bank, Member FDIC | $0 | N/A | $400 Requirements to qualify | $25 | at U.S. Bank, Member FDIC |
 Wells Fargo Initiate Business Checking℠ Account Nerdwallet Rating | $15.00 Waived with $2,000 minimum balance | N/A | $400 Requirements to qualify | $25 | |
 PNC Business Checking Nerdwallet Rating | $12.00 Waived with $500 average monthly balance | N/A | $400 Requirements to qualify | $100 | |
 Rho Business Checking Nerdwallet Rating at Rho, Deposits are FDIC Insured | $0 | N/A | $350 Requirements to qualify | N/A | at Rho, Deposits are FDIC Insured |
 American Express® Business Checking Nerdwallet Rating at American Express National Bank, Member FDIC | $0 | 1.30% With $0.10 min. balance for APY | 30,000 Points Requirements to qualify | $0 | at American Express National Bank, Member FDIC |
 Mercury Business Account Nerdwallet Rating at Mercury, Deposits are FDIC Insured | $0 | N/A | $300 Requirements to qualify | N/A | at Mercury, Deposits are FDIC Insured |
 Basic Business Checking Nerdwallet Rating | $0 | N/A | $200 Requirements to qualify | $0 |
About this page
NerdWallet's small-business team fact-checks this page at least monthly. Some bonus details come directly from our partners. This helps ensure their info is always up to date. For other providers, we manually visit their websites and review promotion info. We pay particularly close attention to items like offer expiration dates, as those may change often.
When banks ask for ZIP codes to check eligibility, writers and editors use their own. (This includes locations in Illinois, New York and Washington, D.C.) If an account is unavailable in these areas, we use a ZIP code where it is.
What is a business bank account bonus?
Most business bank account bonuses are one-time cash payments. You receive them after opening a new eligible account and completing certain activities, such as depositing new funds and meeting minimum balance requirements. Make sure those requirements seem achievable for you before opting for a new business checking account or savings vehicle.
Earn a bonus when you open one of the following business accounts. Terms apply.
BMO business checking bonus: Up to $1,500
Earn a cash bonus of either $400, $750, $1,000 or $1,500 when you open a business checking account. Visit bmo.com/businesscheckingoffer and select "OPEN NOW." Offer expires 8/31/2026.
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- Eligible accounts: BMO Digital Business Checking, Simple Business Checking, Premium Business Checking or Elite Business Checking.
- How to qualify: Open a new account online or at a BMO branch and meet the bonus balance requirement 30 days after opening. You must maintain that minimum balance until day 90. If your balance drops below the threshold for one bonus, you will be bumped down to the next bonus tier. If your balance falls below $4,000, you'll forfeit the bonus entirely. The balance requirements for each bonus tier are:
- $400 bonus: $4,000 or higher.
- $750 bonus: $25,000 or higher.
- $1,000 bonus: $50,000 or higher.
- $1,500 bonus: $100,000 or higher.
- Who can qualify: New BMO customers who have not had a BMO business checking account within the past 12 months.
- How to open an account: Visit bmo.com/businesscheckingoffer.
- Location availability: Nationwide.
- Business banking highlights: BMO offers a solid digital banking experience. The Simple Business Checking account has a relatively easy-to-waive monthly fee, and accountholders can use Zelle to send or receive payments.
U.S. Bank business checking bonus: $400 or $1,200
Earn a $400 bonus when you open a U.S. Bank Business Essentials Account or $1,200 when you open a Platinum Business Checking Account online with promo code Q2AFL26 and complete qualifying activities, subject to certain terms and limitations. Offer valid through June 30, 2026. Member FDIC. Details below.
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- Eligible accounts: U.S. Bank Business Essentials and Platinum Business.
- How to qualify: Open a new U.S. Bank Business Essentials or Platinum Business account with the promo code. For Business Essentials, deposit at least $5,000 in new money within 30 days. For Platinum Business, deposit at least $25,000 within 30 days. Maintain that average balance ($5,000 for Essentials or $25,000 for Platinum) for 60 days after account opening. Complete six qualifying within 60 days. Qualifying transactions include debit card purchases, ACH credits, wire transfer credits and debits, Zelle® credits and debits, mobile check deposit or bill pay.
- Who can qualify: New U.S. Bank business checking customers. Existing business customers with a business checking account or business customers who had an account in the last 12 months do not qualify.
- When you'll receive the bonus: The bonus will be deposited into your new eligible checking account within 30 days following the last calendar day of the month you complete all of the offer requirements.
- How to open an account: Apply online.
- Location availability: Nationwide.
- Business banking highlights: No monthly maintenance fee for the Essentials account, unlimited electronic transactions and access to branches nationwide.
Earn up to $1,000 when you open a qualifying Huntington Business account by 6/16/2026. Terms apply.
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- Eligible accounts: Unlimited Plus Business Checking; Non-Profit Interest Checking; Non-Profit Analyzed Checking; Business Analyzed Checking.
- How to qualify: Bonus amount depends on the account type opened, as well as new money deposited. The deposit requirements for each promotion include:
- For a $400 bonus: Make a cumulative new money deposit of at least $5,000 within 60 days after opening an eligible account.
- For a $1,000 bonus: Make a cumulative new money deposit of at least $20,000 within 30 days after opening an eligible account, then maintain a daily balance of $20,000 for 60 days after you've met the cumulative opening deposit requirement. Offer is only available on Unlimited Plus Business Checking accounts.
- Who can qualify: You must be a new Huntington business checking customer to qualify. You aren't eligible if you have closed an account within the past six months. Public fund or government banking dollars and brokers are also not eligible for this offer. In addition, business owners with multiple businesses can be limited to one account-related incentive per rolling 12-month period.
- When you’ll receive the bonus: Your account must be open for 90 days before you can receive the promotional offer. After that time, the bonus will be deposited into your account within 14 days provided you’ve met the requirements.
- How to open an account: Apply online using the promotional offers page on the Huntington Bank website or request a coupon and visit a branch to open an account.
- Location availability: This Huntington business checking account promotion is only available to business owners in Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia and Wisconsin.
- Business banking highlights: Huntington offers a free business checking account, as well as two “Unlimited” accounts with unlimited fee-free transactions. All accounts have a generous overdraft grace period that covers overdrafts up to $50 with no fee.
Bank of America, N.A. Bank of America® Business Advantage Fundamentals™ Banking
Bonus Amount
$400 or $750 Earn a cash bonus of up to $750 when you open a new eligible Business Advantage Banking account by 12/31/2026. Click "Apply now" above for full bonus terms.
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- Eligible accounts: Bank of America® Business Advantage Fundamentals™ Banking and Business Advantage Relationship Banking accounts.
- How to qualify: Open a new Business Advantage Fundamentals™ Banking or Business Advantage Relationship Banking account and deposit new money within 30 days. Then, maintain that balance for at least 90 days from account opening.
- For a $400 bonus: Deposit at least $5,000 in new money.
- For a $750 bonus: Deposit at least $15,000 in new money.
- Who can qualify: You must be a new Bank of America business checking customer to qualify. You aren't eligible if you've been an owner or signer on Bank of America Business Advantage Banking account within the last 12 months.
- When you’ll receive the bonus: The bonus is deposited into your account within 60 days, assuming you meet all requirements. Note: If your daily balance dips below $5,000 during the maintenance period (days 31 through 90), you are no longer eligible for the cash bonus.
- How to open an account: Apply online through the offer's page on the Bank of America website.
- Location availability: Bank of America Business Advantage Banking accounts are available nationwide.
- Business banking highlights: Bank of America® Business Advantage Fundamentals™ Banking has loyalty perks, expense management tools and no monthly fee for the first year.
Bluevine Bluevine Business Checking
Bonus Amount
$500 Earn a $500 bonus when you open a new Bluevine Business Checking account and meet eligibility requirements. Apply with referral code NW500.
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- Eligible accounts: Bluevine Business Checking.
- How to qualify: Open and fund a new Bluevine Business Checking account using the referral code by 09/30/2026, then complete at least one of the following activities every 30 days for the next 90 days:
- Spend at least $2,000 with your Bluevine Business Debit Mastercard® and/or Bluevine Business Cashback Mastercard®.
- Deposit $5,000 from eligible merchant service providers to your Bluevine account.
- Make at least $5,000 of outbound payroll payments from your Bluevine account using eligible payroll providers.
- Who can qualify: New Bluevine business checking customers who have not been the owners or signer on a Bluevine business account for at least 12 months.
- When you’ll receive the bonus: Bluevine will deposit the bonus into your account the month after you satisfy the bonus requirements (by the 10th day, per Bluevine).
- How to open an account: You can open an account online using the offer code above.
- Location availability: Bluevine is an online account and available nationwide.
- Business banking highlights: Bluevine's free business checking offers a competitive APY: Earn 1.30% interest on account balances up to and including $250,000. Terms apply.
Chase Chase Business Complete Banking®
Bonus Amount
$500 Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
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- Eligible accounts: Chase Business Complete Banking®.
- How to qualify: Open a new Chase Business Complete Banking® account by 07/15/2026, and complete the following activities:
- Deposit $10,000 in new money (for the $500 bonus) or $2,000 in new money (for the $400 bonus) within 30 days of opening the account and maintain that balance for at least 60 days.
- Complete five qualifying transactions within 90 days of opening the account. Qualifying transactions include debit card purchases, Chase QuickAccept℠ deposits, Chase QuickDeposit℠, ACH credits and wires (credits and debits).
- Who can qualify: New Chase business checking customers (you cannot be a signer on an existing Chase business checking account). This promotion isn't available to local, state, or federal government entities or agencies, not-for-profit organizations, political action committees, anyone with campaign accounts, anyone whose accounts have been closed within 90 days, or whose accounts closed with a negative balance within the past three years.
- When you’ll receive the bonus: Chase will deposit the bonus into your account within 15 days of you satisfying the bonus requirements.
- How to open an account: You can open an account online (terms apply) or request an offer code from Chase, which you can show at a local branch to open an account.
- Location availability: Chase has locations in 48 states, plus Washington, D.C. It doesn't have branch locations in Alaska or Hawaii.
- Business banking highlights: Chase business checking is a great option for small-business owners looking for essential banking features from a brick-and-mortar institution. In particular, the Business Complete Checking account offers unlimited electronic transactions, multiple ways to waive the $15 monthly fee and pay-as-you-go credit card processing with Chase QuickAccept℠.
Capital One business checking bonus: Up to $500
Capital One Capital One Business Basic Checking®
Bonus Amount
$500 Earn $500 when you open a new Capital One Business Basic Checking or Enhanced Checking account, and complete qualifying activities.
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- Eligible accounts: Capital One Business Basic Checking® of Enhanced Business Checking.
- How to qualify: Open a new Capital One Business Basic Checking® account online using the promo code "SBOFFER500" and complete the following activities:
- Deposit $5,000 from a non-Capital One account within 30 days of opening the account.
- Maintain that balance for at least 60 days during the first 90 days of account opening.
- Complete 10 qualifying electronic transactions within 90 days of opening the account. Qualifying transactions only include: electronic wire, electronic check deposit, electronic ACH and instant transfer (from non-Capital One accounts).
- Who can qualify: New Capital One business checking customers. Users on a Capital One Business Checking account opened on or after Jan. 1, 2025 are not eligible. The account must be opened online to qualify for the bonus
- When you’ll receive the bonus: Capital One will deposit the bonus into your account within 60-90 days of you meeting all of the offer requirements.
- How to open an account: Open the account online using the promo code listed above.
- Location availability: Capital One has roughly 260 branches across eight states and the District of Columbia.
Wells Fargo business checking bonus: $400
Open a new Initiate Business Checking online and deposit $2,500 or more in new money within the first 30 days. Then maintain that minimum daily balance through 60 days after account opening. Terms apply. Offer expires July 7, 2026.
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- Eligible accounts: Wells Fargo Initiate Business Checking℠ Account.
- How to qualify: The Wells Fargo bonus is one of the easiest to qualify for. All you need to do is:
- Open a new Wells Fargo Initiate Business Checking℠ Account online or request a code to apply in-person.
- Deposit $2,500 in new money within the first 30 days.
- Maintain that balance through the 60-day mark.
- Who can qualify: New Wells Fargo business checking customers. You are not eligible if you've closed a Wells Fargo business checking account in the past 90 days, or if you've received a Wells Fargo business checking bonus in the past 24 months.
- When you’ll receive the bonus: After the 60-day mark, Wells Fargo will deposit the bonus into your account within 30 days if you met the requirements.
- How to open an account: Open the account online. You can also open an account at a local branch office, but you must request a bonus code via the Wells Fargo website first. You need to give that code when you open the account to be eligible.
- Location availability: Wells Fargo is available nationwide. The bank has thousands of branch locations across the United States.
PNC business checking bonus: $400
Earn $400 when you open a new PNC Business Checking account. Terms apply. Offer expires 06/30/2026.
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- Eligible accounts: PNC Business Checking and Business Checking Plus.
- How to qualify: Open a new qualifying Business Checking or Business Checking Plus account by 6/30/2026. Maintain a minimum average ledger balance of $2,000 for each of the first three statement cycles; and make at least 20 total qualifying PNC Bank Visa® Debit Card transactions within the first three statement cycles.
- Who can qualify: To earn this bonus, your business must have an annual revenue of less than $5 million. In addition, your new account won't be eligible if any signer has signing authority on an existing PNC business checking account, has closed an account within the past 90 days, or has been paid a promotional premium in the past 12 months. If multiple accounts are opened with the same authorized signers, only one account will be eligible for the bonus offer.
- When you’ll receive the bonus: After you’ve met all the necessary criteria, the cash bonus will be credited to your account within 90 days.
- How to open an account: Request an offer coupon on the PNC website and visit a branch to open a business checking account. You can start your application online or over the phone before bringing the coupon to a branch location to complete the process.
- Location availability: PNC’s business checking accounts are limited to states with branch locations. PNC has branches in 28 states across the Northeast, Midwest and South, plus Washington, D.C.
- Business banking highlights: With two main business checking account options, PNC offers traditional banking from a brick-and-mortar bank. Most notably, PNC business checking includes access to debit card rewards, online add-ons and additional perks for new customers.
$350 statement credit for depositing and maintaining a balance of $10,000 for the first 90 days. Use promo code NERDWALLET at sign up.
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- Eligible accounts: Rho Business Checking.
- How to qualify: Open a new Rho Business Checking account, deposit $10,000 in new money and maintain a $10,000 average daily balance for at least 90 days. Include the code NERDWALLET at sign-up.
- Who can qualify: New Rho customers. You cannot qualify if you've applied for a Rho account within the last 120 days.
- When you’ll receive the bonus: The reward will show as a statement credit within 30 days after the first 90 days of opening your account.
- How to open an account: You can open an account online.
- Location availability: Rho does not have branches.
- Business banking highlights: Rho is a banking platform designed for startups. It offers free wire transfers and same-day ACH transfers, 24/7 customer support and an insured cash sweep account. Some customers can also move funds into a treasury account to earn yield.
American Express National Bank American Express® Business Checking
Bonus Amount
30,000 Points Earn 30,000 Membership Rewards® points when you open a new American Express® Business Checking account and satisfy bonus eligibility requirements. Terms apply.
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- Eligible accounts: American Express® Business Checking.
- How to qualify: Open a new American Express® Business Checking and meet each of the following requirements:
- Deposit a total of $5,000 or more within 30 days of account opening. Eligible deposits are any deposits except those using the Redeem for Deposits feature, deposits from interest payments, and deposits from any other American Express® Business Checking accounts.
- Once you meet the deposit requirement, you must maintain an average balance of $5,000 for the next 60 days.
- Complete at least five transactions within 60 days of account opening. Qualifying transactions include mobile deposits, check deposits by mail and electronic transactions including ACH transfers, wire transfers and bill payments. Business debit card transactions and deposits using the Redeem for Deposits feature are not qualifying transactions.
- Who can qualify: Business owners opening their first American Express® Business Checking account. You will also need a linked Membership Rewards® Program Account to receive the points.
- When you'll receive the bonus: Membership Rewards® points will be credited to your linked account within 8-12 weeks upon completion of the qualifying activities.
- How to open an account: American Express is an online-only financial institution. You can open a business checking account on its website.
- Location availability: Nationwide.
- Business banking highlights: American Express® Business Checking is one of our top business checking accounts, as it has no monthly fee, unlimited transactions and accrues 1.3% APY on balances up to $500,000. Also, unlike most online accounts, American Express offers 24/7 customer service. The account doesn't accept cash deposits, though.
Mercury Mercury Business Account
Bonus Amount
$300 Mercury offers a $300 bonus to users on deposits $10K or more in their first 90 days.
Show bonus offer details
- Eligible accounts: Mercury Business Account.
- How to qualify: Open a new Mercury account online and deposit $10,000 or more within the first 90 days.
- Who can qualify: New Mercury customers.
- How to open an account: Use the "Apply now" link above.
- Location availability: Nationwide.
- Business banking highlights: The Mercury Business Account comes with lots of digital tools, including invoicing, bill pay and automatic expense categorization. You'll also get free wire transfers.
Open an Axos business checking account using promo code "START200" by 06/30/2026 and earn a bonus of up to $200. Or earn up to $600 when you bundle a new Basic Business Checking account with a new Business Premium Savings account and use promo code SBB600. Terms and minimum balance requirements apply.
Show bonus offer details
- Eligible accounts: Axos Basic Business Checking.
- How to qualify: Open a qualifying Axos business checking account by 06/30/2026 and maintain an average daily balance of at least $3,000 for the first few months. The bonus is paid out in $50 increments for each statement cycle that you meet the minimum balance and other requirements, with a maximum of four payouts over five statement cycles. You can earn a larger bonus if you bundle a new Basic Business Checking account with a new Business Premium Savings account. To earn that bonus you need to:
- Deposit $1,000 or more (via ACH, check, or wire) into their Basic Business Checking account from an external source.
- Use the debit card associated with their Basic Business Checking account to make 2 or more approved purchases of at least $50 for each transaction.
- Maintain an average daily balance of at least $1,500 in the Basic Business Checking account.
- Maintain an average daily balance of at least $50,000 in the Business Premium Savings account
- Who can qualify: New accountholders who have never had an Axos business checking account before and who started their business less than one calendar year before applying for an account. Proof of formation date may be verified via the Secretary of State or Business Formation documents.
- When you’ll receive the bonus: The bonuses are deposited within 10 business days of the end of the statement cycle if you meet all of the qualifying requirements.
- How to open an account: Open an Axos business checking account online using the promo code “START200."
- Location availability: Nationwide.
- Business banking highlights: Axos offers a free business checking account and an interest-earning option, plus multiple business savings accounts. This online bank doesn’t charge any ATM fees and offers unlimited domestic ATM fee reimbursements for fees charged by other banks.
All information about American Express® Business Checking has been collected independently by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.
Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.
*Live Oak business checking bonus: Click here for full terms and conditions.
