Most of the best bank account promotions in the market now caters exclusively to consumers. Indeed, many of the United States’ best online banks seem to favor personal account holders over business owners.
But not all banks shortchange small business owners. If you’re a small business owner, entrepreneur or freelancer, you just need to know where to look to find potential profits credit union and bank account bonuses and referral opportunities.
The best small business bank account promotions and bonuses
These are the best bank promotions for small businesses this month. Unless otherwise noted, all are available to businesses of all sizes, including sole proprietors and freelancers without formal incorporation. All are FDIC insured as well.
However, small business control and savings accounts impose minimum balance requirements, monthly maintenance fees, and other requirements or restrictions that may affect their appeal. Always read the fine print before applying.
Chase Business Complete Checking® – Up to $500 Bonus
- Bonus: Up to $500
- Good Through: July 15, 2026
- Requirements: Deposit $2,000 in new money within 30 days to earn $400, or deposit $10,000 to earn $500; five transactions in 90 days
In a banking landscape that often caters to personal account holders, Chase stands apart by recognizing the unique financial needs of small business owners, solopreneurs and freelancers. Chase doesn’t discount the entrepreneurial spirit; instead, it offers an opportunity tailored just for you with Chase Full Business Control.
To qualify for this special $500 bonus, here’s what you need to do:
- Open a new Chase Business Complete Checking account online or in person by July 15, 2026.
- DEPOSIT $2,000 in new money within 30 days of registering the offer and keep that balance for 60 days to earn $400, or deposit $10,000 to earn $500.
- Complete at least five qualifying transactions within 90 days, including electronic deposits and debit card purchases.
After completing these activities, the bonus will be credited to your account within 15 working days.
US Bank Business Checking – Up to $1200 Bonus
- Bonus: Up to $1,200
- Good until: June 30, 2026
- Requirements: At least $5,000 in new money deposits
Earn a $400 bonus when you open a United States Bank account or $1,200 when you open a Platinum Business Checking Account online with promo code Q2AFL26 and complete qualifying activities, subject to certain conditions and limitations. Offer valid through June 30, 2026. Member FDIC.
Complete these steps to claim a $400 bonus offer:
- Earn your $400 Business Check bonus by opening a new US Bank Business Essentials account between 4/1/2026 and 6/30/2026. You must make a deposit of at least $5,000 in new money within 30 days of account opening and then maintain a daily balance of at least $5,000 by the 60th day after account opening. You must also complete 6 qualifying transactions within 60 days of account opening.
Complete these steps to claim a $1,200 bonus offer:
- Earn your $1,200 Business Checking Bonus by opening a new US Bank Platinum Business Checking Checking Account between 4/1/2026 and 6/30/2026. You must make a deposit of at least $25,000 in new money within 30 days of account opening and then maintain a daily balance of at least $25,000 by the 60th day after account opening. You must also complete 6 qualifying transactions within 60 days of account opening.
Deposit products offered by US Bank National Association. Member FDIC.
Axos Bank Basic Business Check – Bonus up to $400 in cash
- Bonus: Up to $400
- Good Through: September 30, 2025
- Requirements: Promo code only
Choose Smarter Business Banking and not only will you take control of your company’s finances, but you’ll also get a generous welcome bonus of $400!
Simply apply by September 30, 2025 and use promo code NEW400 to claim your bonus.
Make the smart move for your business today!
PNC Bank Business Checking – Up to $1000 Cash Bonus
- Bonus: Up to $1,000
- Good Through: 31 December 2024
- Requirements: Qualifying deposits and/or transaction minimums
Open a new PNC Bank business checking account (Business Checking or Business Checking Plus) by December 31, 2024, for the chance to earn a cash bonus worth up to $1,000. Here’s how the bonus offer works:
- Open an eligible account by December 31, 2024.
- Maintain an average cycle balance (account balance) of $5,000 or more for each of the first three statement cycles.
- Complete at least 20 total qualifying debit card transactions within the first three statement cycles.
After completing qualifying activities, you will receive a $200 bonus in your account within 90 days.
Alternatively, open a new Treasury Enterprise Plan or Business Control Analysis account by December 31, 2024, for the chance to earn a $500 bonus. All you have to do is maintain a minimum average balance of $30,000 during the first three statement cycles. Or you can increase the bonus to $1,000 by maintaining a minimum average book balance of $100,000 for each of the first three statement cycles.
The last word
Most of the banks mentioned here do not exclusively serve small business owners.
They also offer customer accounts – in some cases, generous and extensive lineups that include free checking accounts, current account rewards, CD with above average rates, money market accountsAND high yield savings accounts that just might keep up with your emergency fund inflation.
Others offer cash back credit cardsamong other types of expense allowances charged to individuals.
This matters. After all, every business owner is a person, too—one with personal money management needs. This means that every business owner needs a personal checking account, among other key personal banking relationships.
If you want that relationship to include the same bank you choose for your business banking needs, perhaps one of these promotions will seal the deal.
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Editorial and Advertiser Disclosure: The editorial content on this website is not provided, commissioned, reviewed, endorsed or otherwise endorsed by any advertiser. Opinions expressed are ours alone, not those of any advertiser. The offers displayed are from companies from which we may receive compensation. However, this compensation does not affect where and how these companies are mentioned on the site. We do not include all companies or all offers available on the market.
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