Update 12/7/26: Added to 12/31/2026
Expanded to 31.12.2025
Offer at a glance
- Maximum bonus amount: 500 dollars
- Availability: Only in branches. Chicago, Omaha, Kansas City, Denver and Dallas
- Direct deposit required:No.
- Additional requirements: See below
- Hard/soft pull: Gentle pull
- ChexSystems: Unknown, sensitive
- Credit card financing: ANY
- Monthly fees: No.
- Early account closure fee: ANY
- Family boundary: No.
- Expiration date: 15.08.2025
Offers
- FNBO Bank offers a $250 bonus when you open a new free business checking account and meet the following requirements:
- Use promo code 250 BIZ
- Deposit $1,000 in deposits OR complete 10 debit card transactions within 31 days of account opening
Fine Press
- Get a $250 cash bonus offer when you open a new free business checking account at FNBO and:
- You have qualifying deposit(s) of $1,000. A qualifying deposit(s) is defined as new money2. To receive the bonus offer, a minimum qualifying deposit(s) of $1,000 must be posted to your Free Business Checking account within 31 days of the account opening date. Transfers from a bank or brokerage account do not constitute deposit(s). The $250 bonus offer will be credited to your account at $1.00 upon account opening and $249.00 within a 31-day period after the bonus offer requirements are fully met and the account is open and in good standing only1. Accounts must be open by 08/15/2025 to qualify. OR
- Complete 10 or more qualifying debit card purchases that post and clear account within 31 days of account opening date. Qualifying debit card purchases are made at the point of sale using your signature or PIN, or electronically or online using your debit card number, including recurring payments within a 31-day period of account opening. The $250 bonus offer will be credited to your account at $1.00 upon account opening and $249.00 within a 31-day period once the bonus offer requirements are fully met and the account is open and in good standing only1. Accounts must be open by 08/15/2025 to qualify.
- The Free Business Check Bonus Offer will be credited to your account within a 31-day period from the date we receive your total qualifying deposits or qualifying debit card purchases1,2. Account must be open and in good standing1 to receive the bonus offer.
- Account bonuses are subject to IRS reporting and will be reflected on a 1099-INT statement.
- The customer is responsible for providing the received promotional code “250BIZ” (non-sensitive) to a banker at the time of account opening. Failure to do so may result in not receiving the bonus offer.
- Account must be open and in good standing1 to receive the bonus offer. Offer valid only at FNBO brand branches in CO, IA, IL, KS, NE, SD, TX and WY. Offer valid for new Free Business Control customers, a new account and limited to one opening bonus offer only. A new Free Business Checkout customer is defined as an applicant who does not have an open Free Business Checkout, Premium Checkout or Analyzed Checkout account at the time of campaign launch on 02/28/2025. FNBO has the discretion to determine what constitutes a new Free Business Check customer. Accounts must be open by 08/15/2025 to qualify.
- All bank account bonuses are treated as income/interest and as such you must pay tax on them
Avoidance of fees
Monthly fees
This account has no monthly fees to worry about.
Early account termination fee
I couldn’t find a rate plan.
Our verdict
Previously there was a $500 bonus but it was much more difficult to meet the requirements for. I think this is a better bonus for most people and will add it to our list of best business checking bonus accounts.
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