Banks are always trying to get your business, especially when it comes to business banking. That’s why a lot of them have new business bank account bonus offers to get you to switch! Best New Business Bank Account
One of the most profitable elements of banking is business banking. Banks care a lot more about their business customers than their personal consumers. That’s why commercial bank accounts usually have considerably better deals than personal bank accounts.
Check out our list below if you want to switch business bank accounts and get a bonus!
Best New Business Bank Account Offers And Promotions
The offers below are for business banking products. They are typically a bit higher than personal bonus banking offers given the nature of business banking. Best New Business Bank Account
$1,200 With U.S. Bank Platinum Business Checking
The U.S. Bank Platinum Business Checking account is a premium business checking account that earns you top-tier perks if you maintain a strong banking relationship.
This account includes a U.S. Bank Visa Debit Card, mobile and online banking, mobile check deposit, online bill pay, and more! You also earn interest and get up to 500 free transactions per month.
U.S. Bank Platinum Business Checking has a $30 per month maintenance fee that’s easily waived if you simply do ONE of the following:
- $25,000 average collected checking balance
- $75,000 combined average collected business deposits and outstanding business credit balances.
And right now, you can earn up to an $1,200 bonus when you open a new, eligible U.S. Bank 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. Best New Business Bank Account
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 five qualifying transactions within 60 days of your account opening.
$600 with AXOS Business Premium Savings And Basic Checking Bundle
Axos Business Premium Savings is an business savings account.
Right now, you can earn up to 3.60% APY on your money with the Axos Business Premium Savings account (which is better than most business savings accounts). The interest on this account is tiered, but all tiers are currently the same rate: Best New Business Bank Account
- $0 – $23,999.99: 3.60%
- $24,000.00 – $249,999.99: 3.60%
- $250,000.00 – $499,999.99: 3.60%
- $500,000.00 – $999,999.99: 3.60%
- $1,000,000+: 3.60%
There are also no minimum balance requirements and no monthly maintenance fees.
Plus, right now discover the Axos Business Bundle, combining flexible checking with high-yield savings and earn an exclusive bonus up to $600. Use promo code SBB600 by June 30, 2026 and complete the qualifying activities.
Up To $500 With Chase Business Complete Banking®
The Chase Business Complete Banking® is one of the more popular business checking account options because Chase has a huge number of branches and great service. It isn’t truly free unless you meet the minimum monthly requirements to make it so, but we list it as a top business checking account because it’s available nationwide, has branches nearly everywhere, and is one of the most robust banking products out there currently. Plus, the minimum requirements are super easy to meet – check it out. Best New Business Bank Account
Plus, Chase is the largest bank in the nation. Given the changes in recent years, we think it’s nice to have your funds at a nationwide bank versus a banking service.
Chase Business Complete Banking® has a $15 per month fee that’s easily waived if you simply do the following in the month:
- Keep a minimum daily balance of $2,000 or more in your account
- Receive $2,000 in deposits from Quick Accepts transactions or other eligible Chase Payment Solutions transactions
- $2,000 in eligible purchases from your Chase Ink Business Card
- Maintain a linked Chase Private Client Checking℠, JPMorgan Classic Checking, Private Client Checking Plus account
- Meet Chase Military Banking requirements Best New Business Bank Account
Bonus: You can currently earn $500 with a deposit of $10,000 in new money, or $300 with a minimum deposit of $2,000 in new money. Deposits must be made within 30 days of offer enrollment and maintain that balance for 60 days from offer enrollment.
You must also complete 5 qualifying transactions within 90 days of offer enrollment. Best New Business Bank Account
$500 with Bluevine
Bluevine has been a lender for small businesses for almost a decade, and it recently launched a business banking product that provides free business checking.
They offer free business checking with unlimited transactions per month. They also have no minimum balance requirements and free online statements.
Bonus Offer: Right now, you can earn a $500 sign up bonus with a new business checking account.
To earn the $500 bonus, customers must apply for a Bluevine Business Checking account anytime between now and 3/31/2026 using the referral code CA500. After opening the account, customers must add funds within 30 days, then meet at least one of the following eligibility requirements every 30 days for the next 90 days from account funding: Best New Business Bank Account
- Deposit at least $5,000 from eligible merchant services to your Bluevine account
- Make at least $5,000 of outbound payroll payments from your Bluevine account using eligible payroll providers
- Spend at least $2,000 with your Bluevine Business Debit Mastercard and/or Bluevine Business Cashback Mastercard
$400 With U.S. Bank Business Essentials Checking
The U.S. Bank Business Essentials Checking account is a solid basic business checking account with all the features you need in a bank.
This account is designed for small businesses and has a $0 monthly maintenance fee. This account is consistently on our list of the best business checking accounts. Best New Business Bank Account
This account includes a U.S. Bank Visa Debit Card, mobile and online banking, mobile check deposit, online bill pay, and unlimited digital transactions!
And right now, you can earn up to an $400 bonus when you open a new, eligible U.S. Bank Business Essentials 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.
Earn your $400 bonus by opening a new U.S. Bank Business Essentials Checking 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 5 qualifying transactions within 60 days of account opening. Best New Business Bank Account
$200 with AXOS Basic Business Checking
AXOS is an online bank that focuses on simple business banking online. It’s free, but it does have some higher requirements compared to other banks.
With AXOS, you get no monthly maintenance fees, no minimum deposit requirement, and unlimited domestic ATM fee reimbursements.
Their free tier comes with unlimited transactions (deposits, transfers, ACH, etc) per month. Plus, you also get 2 free domestic wires monthly.
Bonus: Right now, business owners can get up to a $200 welcome bonus when you open a new business checking account by June 30, 2026 and use the promo code START200 on your application. Best New Business Bank Account
Why Businesses Need A Good Bank Account
Too many small business owners don’t think much about their banking needs, especially when starting out. When you’re an independent contractor, you don’t need much from your bank – other than no fees. But as your business grows, and maybe you start an LLC or S-Corp, you might need more from your bank.
And banks realize this! Business banking is one of the more lucrative areas of banking – so banks fight hard for business customers. As your business grows and you need a new bank account, you want to see if there are any business bank promotions or new account offers that you can take advantage of. Best New Business Bank Account
You still want to make sure that you have a great bank account – no fees (or easily waived fees), an account that has the features you need, and a bank that’s easy to work with. But all that being equal, take advantage of a solid business bank bonus offer if you can!
Tips To Make Sure You Secure Your Business Bank Account Offer
Once you have your eyes on a business bank promotional offer, you need to make sure you’re checking the requirements so you can secure the best deal.
If you notice in the list above, most of these offers come with one or more requirements. Typically, new business bank promotional offers will require some variation of:
- Minimum balance requirement
- Minimum deposit requirement
- Minimum transaction requirement
- Some type of timeline requirement (i.e. 60 or 90 days)
The bottom line is, if you’re going to go through the effort of trying to get a bank bonus offer, you might as well make sure you meet all the requirements. So keep track to make sure don’t miss anything! Best New Business Bank Account
Final Thoughts
Getting a great new business bank account offer or promotion is nice, but don’t base your entire business decision around that. You still want to open a business account at a bank that has low fees, offers the services you need, and is easy to work with.
If you’re curious about some options, read these guides:
- Best Business Checking Accounts
- Best Business Savings Accounts
And don’t forget our Guide To Opening A Small Business Bank Account. Best New Business Bank Account
Common Questions
Here are some common questions about business checking and savings account promotional offers.
What is the best bank for a business account?
The best bank for your business depends on what your needs are. In general, though, you should look for an account that offers minimal or no fees, offers easy deposit options, and more.
What banks are offering promotions for new accounts?
Currently, you can find promotional offers from U.S. Bank, Chase, Axos, and more. Best New Business Bank Account
Are there free business checking accounts?
Yes, there are lots of free business checking accounts. However, many free checking accounts are limited in features, so make sure you understand what you need and whether a free business checking account offers it.
How can I get the best business checking account offer?
To get a business checking account promotional offer, you simply apply and make sure you meet all the requirements. These requirements could include minimum balances, minimum transactions, and more. Also, make sure you’re watching the timeline, as many banks require these requirements to be met within a certain period of time.
What are the benefits of having a separate business bank account?
Keeping your business banking separate from your personal banking is great for making sure that your bookkeeping, accounting, and taxes are all separate for your business and personal life. Furthermore, once you incorporate, your business is it’s own entity, and needs to be treated as such. Best New Business Bank Account