Earn a $400 bonus when you open a U.S. Bank Business Essentials Account or $1,000 when you open a Platinum Business Checking Account online with promo code Q3AFL25 and complete qualifying activities, subject to certain terms and limitations. Offer valid through September 30, 2025. Member FDIC. Complete these steps to earn the offer:
U.S. Bank $400 or $1000 Business Checking Bonus
- What you’ll get: $400 or $1000 bonus
- Account Type:
- 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
- Business Essentials:
(Offer Expires 09/30/2025)
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 7/01/2025 and 9/30/2025.
- 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 5 qualifying transactions within 60 days of account opening.
- Earn your $1000 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking account between 7/01/2025 and 9/30/2025.
- 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 5 qualifying transactions within 60 days of account opening.
Promo code Q3AFL25 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 credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.
- 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. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. 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. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.
- 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.
- Offer may not be combined with any other business checking account 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.
- All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. These documents can be obtained by contacting a U.S. Bank branch or 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.
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!
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