U.S. Bank Business Checking Bonus: $400 or $1200 Promotion (Nationwide)

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 Q1AFL26 and complete qualifying activities, subject to certain terms and limitations. Offer valid through March 31, 2026. Member FDIC.

Update 2/2/26: You can currently earn a $400 or $1,200 bonus when opening a qualifying business checking account through 3/31/26.

U.S. Bank $400 or $1200 Business Checking Bonus

• What you’ll get: $400 or $1200 bonus
• Account Type:
  • Business Essentials
  • Platinum Business Checking Package
• Availability: Nationwide (Locator)
• Monthly Fee:
  • Business Essentials:
    • $0 monthly maintenance fee
  • Gold Business Checking Package:
    • Waive the $20 Monthly Maintenance Fee with a U.S. Bank Payment Solutions Merchant Account OR
    • $10,000 average collected checking balance or $25,000 average collected checking balance on interest-bearing option OR
    • $20,000 in combined average collected deposit balances or $50,000 in combined average collected deposit balance on interest-bearing option OR
    • $50,000 combined average collected business deposits and outstanding business credit balances OR
    • $75,000 in combined business deposit and outstanding business credit
  • Platinum Business Checking Package:
    • Waive the $30 Monthly Maintenance Fee with $25,000 average collected checking balance OR
    • $75,000 combined average collected business deposits and outstanding business credit balances

(Offer Expires 03/31/2026)

How To Earn Bonus

Open a new, eligible U.S. Bank business checking account and complete qualifying activities. Complete these steps to earn the offer:

• Earn your $400 Business Checking bonus by opening a new U.S. Bank Business Essentials account between 1/15/2026 and 3/31/2026.
  • 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.
  • You must also complete 6 qualifying transactions based on posted date within 60 days of account opening.
• Earn your $1,200 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking account between 1/15/2026 and 3/31/2026.
  • 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.
  • You must also complete 6 qualifying transactions based on posted date within 60 days of account opening.

Promo code Q1AFL26 MUST be used when opening a U.S. Bank Business Essentials® or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.

Member FDIC.

Which Business Account Package Is Best for You?

The Business Essentials is ideal for new / small businesses with basic banking account needs and limited transaction activity with a variety of value-added products and services to help save time and money.

• $0 monthly maintenance fee
• Unlimited digital transactions
• 25 free teller and paper transactions per statement cycle
• Free same day access to funds
• Free mobile card reader
• $0 software fees

The Gold Business Checking Account Package is ideal for growing businesses. If your business is seeing more banking activity (moderate level), this business checking package offers you better cash flow management and more ways to save.

• $20 monthly maintenance fee, waivable
• 300 free transactions per month
• $0.45 fee for each additional transaction

The Platinum Business Checking Account Package is ideal for mature business with higher balances. You’ll get the complete checking account package that rewards your business with all of the top business checking features offered.

• $30 monthly maintenance fee, waivable
• 550 free transactions per month
• $0.40 fee for each additional transaction

Fine Print

• Qualifying transactions include debit card purchases, ACH and wire credits or debits, Zelle credits or debits, U.S. Bank Mobile Check Deposit, electronic or paper checks, Bill Pay (excluding payments made by credit card), and payment received via U.S. Bank Payment Solutions. Other transactions, such as person-to-person payments, credit card transfers, or transfers between U.S. Bank accounts, are not eligible.
• New money is defined as funds from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees may reduce the required daily balance during the qualifying period.
• Bonus will be deposited into your new eligible U.S. Bank business checking account within 30 days after the month-end in which all offer requirements are met, provided the account remains open with a positive available balance.
• Offer may not be combined with other business checking bonus offers. Existing businesses with a business checking account or had one closed within the past 12 months, do not qualify.
• All regular account-opening procedures apply. For full checking account pricing, terms and policies, refer to your Business Pricing Information, Business Essentials Pricing Information, and YDAA disclosure. These documents are available at any U.S. Bank branch or by calling 800.872.2657.
• Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.
• Member FDIC

About U.S. Bank

U.S. Bank, the consumer banking division of U.S. Bancorp, is the 5th largest banking institution in the USA.

First opened in 1863 as the First National Bank of Cincinnati followed by a series of acquisitions and mergers in the early 2000s, U.S. Bank became established officially headquartered in Minneapolis, Minnesota operating in over 3,000 brick and mortar branches across the U.S. Midwest and Western regions.

Conclusion

If you’re looking to open a business checking account soon, this account may be enticing on top of a bonus after meeting the requirements.

See all U.S. Bank bonuses and our complete list of Bank Promotions for all your banking needs!

Member FDIC