Compare new-money requirements, maintained balances, qualifying transactions, and monthly fees before moving your business cash.
Direct issuer links. We currently receive no commission. Reviewed dates appear on each guide. This small shortlist covers 4 selected business checking offers, not the entire market.
Two deposit tiers
Chase Business Complete Checking®
Business checking
$500
maximum cash bonus
$10,000 new money + 5 transactions
Deposit 30d · hold 60d · transact 90d
$15/mo · waivable
A $400 tier with a smaller deposit is available; the maximum reward is not automatically the better use of cash.
Check eligibility before applying
Existing Chase business checking customers, specified political/government accounts, JPMorgan Chase employees and affiliates, and restricted prior closures are excluded. Signers can receive one business checking offer per two years.
No monthly maintenance fee; compare the cash you must retain and the transaction rules before opening.
Check eligibility before applying
Businesses with an existing U.S. Bank business checking account or one closed within the past 12 months are excluded. One bonus per business; no combining business checking bonuses. Current U.S. Bank employees are excluded.
Compare the $25,000 cash commitment, fee-waiver conditions and your actual business transaction needs with the $400 Essentials tier.
Check eligibility before applying
Only one U.S. Bank business checking bonus per business; the $400 Business Essentials and $1,200 Platinum tiers cannot be stacked. An existing U.S. Bank business checking account or one closed within 12 months disqualifies the business; current U.S. Bank employees are excluded.
The $1,000 gross reward requires $30,000 in the master account over three statement cycles. Compare forgone interest, business cash needs and possible fees before choosing it.
Check eligibility before applying
PNC’s expanded $1,000 footnote limits the offer to businesses with annual revenue below $10 million. No signer may have signing authority on an existing PNC business checking account, have closed one in the past 90 days, or have received a promotional premium in the past 12 months. Multiple accounts with the same signers can earn only one reward. Daily, weekly and quarterly statement cycles, and established, converted or repurposed PNC accounts, are excluded. Changing the checking product after opening can change eligibility, terms or reward amount.
Some offers require new deposits, holding periods and transactions. PNC’s Treasury offer instead tests the master-account average ledger balance in each of the first three issuer statement cycles. Get actual cycle dates from PNC; do not substitute calendar months.
Choose the account your business can keep.
Protect money needed for payroll, taxes, suppliers, and unexpected expenses. Compare ongoing fees and transaction allowances as well as the bonus.
Business-structure requirements differ by issuer and offer. An LLC is not a universal prerequisite. Your business, documents, location, and account history still need to meet the issuer’s requirements.
