How do I earn this bonus?
- Open the eligible Platinum Business Checking Package by September 27, 2026 with code Q3DIG26; the minimum opening deposit is $25. Confirm the promotion is attached.
- Deposit at least $25,000 in new money from outside U.S. Bank and its affiliates within 30 days. Maintain a daily balance of at least $25,000 through day 60, allowing for fees or withdrawals.
- Complete six qualifying transactions based on posted dates within 60 days and keep the account open with a positive available balance through payout.
What counts—and what doesn’t.
Qualifying activity
- Debit purchases; ACH or wire credits/debits; Zelle credits/debits; mobile check deposits; check debits; eligible bill pay or U.S. Bank Payment Solutions receipts.
Excluded or unsafe to assume
- Other person-to-person payments, credit-card transfers/payments, internal U.S. Bank transfers, or bill pay funded by a credit card. Funding from another U.S. Bank product or affiliate is not new money.
Confirm the balance-start rule before relying on late funding. The $25,000 daily bonus balance and $25,000 average-collected monthly fee-waiver balance are different tests; a charge can break the bonus balance even if the fee is waived.
Who is eligible for this offer?
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.
Account approval does not establish bonus eligibility. Sole proprietors may use their SSN; application documents vary by business structure.
U.S. business offer; confirm availability for your address and business structure. Account approval and bonus eligibility are separate decisions.
What fees could reduce the bonus?
$30 monthly maintenance fee unless a separate waiver applies. Options include U.S. Bank Payment Solutions, a $25,000 average collected checking balance, or $75,000 combined average collected business deposits and outstanding business credit balances. The bonus requires a $25,000 daily balance; do not assume that meeting it also satisfies an average-collected fee waiver. Platinum includes 550 transactions per statement cycle; additional transactions cost $0.40 each. Other service charges may apply.
When does the qualification clock start?
Opening date governs the 30- and 60-day deadlines; a weekend or federal-holiday opening is treated as the next business day. U.S. Bank allows funding within 30 days but also says the balance must be maintained for 60 days after opening. Confirm how it treats days before the deposit arrives; do not assume a day-30 deposit qualifies.
When should the bonus arrive?
Within 30 days after the month-end when all requirements are met, if the account remains open with a positive available balance.
A concrete example
Planning comparison: Platinum requires $20,000 more qualifying cash than the $400 Essentials tier for an additional $800 potential reward. Both require six posted transactions and a 60-day daily balance test.
Timing and availability
Open by Sep 27, 2026. This is a dated offer snapshot. Confirm that the promotion is still available before opening an account.
Business Essentials and Platinum use the same Q3DIG26 promotion, but U.S. Bank limits a business to one checking bonus. Compare the extra cash commitment and Platinum's separate monthly fee before choosing a tier.
Compare the $400 and $1,200 tiers →Keep the terms. Track the steps.
Save this version of our summary with your dates and checklist. A later offer update will not rewrite your plan. Keep the official agreement and enrollment confirmation separately.
Use the date that starts this offer’s clock. Dates are estimates; confirm them with the issuer.
Read the terms saved in this plan
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Your completion checklist.
Checkmarks are your notes, not confirmation from the issuer. Save a plan above to keep them with a specific offer summary.
Keep the terms with your checklist.
Save the official offer terms and your enrollment confirmation. Record the exact start date, qualifying activity, deadline, and expected payout. Check the issuer’s full account agreement for account-standing, holding-period, and early-closure conditions; this summary does not establish that there are none.
Keep the account eligible through payout. Check the current agreement before closing or changing the account.
If the bonus does not arrive
Wait through the stated payout window, then ask the issuer which condition remains unmet. Keep your offer confirmation, relevant statements or posted activity, and support case number. Share account documents only through the issuer’s secure channels.