U.S. Bank Business Checking Bonus: Up to $1,200 Through September 2026

If you've been on the hunt for a solid business checking bonus, U.S. Bank has a deal that might catch your eye. You can snag up to $1,200 just by opening a new account, parking some cash, and making a few transactions. No direct deposit required, and there's no early termination fee. Let's break down what you need to know.

Two Tiers, Two Bonuses

U.S. Bank is offering two paths to a bonus, depending on how much you can deposit. The bigger reward goes to those who can bring $25,000 in new money. Open a Platinum Business Checking account, deposit that amount within 30 days, keep it there for 60 days, and complete six qualifying transactions. You'll get $1,200. Not bad for parking cash you already have.

If $25k is a bit steep, the $400 bonus is much more accessible. You only need $5,000 in new money, and you can open either a Business Essentials or Silver account. Same rules: deposit in 30 days, hold for 60, and do six transactions. The Silver account has no monthly fee if you go paperless, which is easy to do.

What Counts as a Qualifying Transaction?

You need six transactions, but they're pretty broad. Here's what qualifies: debit card purchases, ACH credits or debits, wire transfers, Zelle payments (in or out), mobile check deposits, writing checks, and using U.S. Bank bill pay. Even payments received through U.S. Bank Payment Solutions count. Just avoid person-to-person transfers, moving money to a credit card, or shuffling funds between your own U.S. Bank accounts—those don't count.

• Debit card purchases
• ACH and wire credits/debits
• Zelle credits/debits
• Mobile check deposit
• Paper or electronic check debits
• U.S. Bank bill pay (not via credit card)

Avoiding the Monthly Fee

The Platinum account normally charges $30 a month, but you can dodge that fee. Keep an average collected balance of $25,000 in checking, or have $75,000 in combined business deposits and outstanding credit balances. Or, if you use U.S. Bank Payment Solutions for merchant services, that also waives it. For the Business Essentials account, just opt into paperless statements and the monthly fee disappears. Simple.

A Few Things to Watch Out For

First, this offer isn't available in New York or Florida, and if you live in a state without a U.S. Bank branch, you'll need an existing relationship to qualify. Second, the bonus is considered taxable income—you'll get a 1099-INT at tax time. Also, while U.S. Bank usually does a soft pull for the credit check, ChexSystems reports are mixed, so if you've had past banking issues, it might be trickier.

One nice perk: you can fund the account with a credit card up to $3,000. That's a handy way to meet the deposit requirement without tying up cash, but watch out for any cash advance fees from your card issuer. And remember, there's no early account termination fee, so you can close the account after the holding period without penalty.

Bottom Line

• Deposit $25k for $1,200 or $5k for $400—both require 6 transactions and a 60-day hold.
• No direct deposit needed, no early termination fee, and credit card funding up to $3k.
• Offer valid through September 27, 2026; promo code Q3DIG26 auto-applies.

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