Most of the best bank account promotions on the market right now cater exclusively to consumers. Indeed, many of the United States’ best online banks seem to favor personal account holders rather than business owners.
But not all banks shortchange small-business owners. If you’re a small-business owner, solopreneur, or freelancer, you just need to know where to look to find potentially lucrative credit union and bank account bonuses and referral opportunities.
Best Small-Business Bank Account Promotions & Bonuses
These are the best small-business bank promotions 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 checking and savings accounts impose minimum balance requirements, monthly maintenance fees, and other requirements or restrictions that can impact their appeal. Always read the fine print before you apply.
Chase Business Complete Checking® – $300 Bonus
- Bonus: $300
- Good Through: January 22, 2026
- Requirements: $2,000 in deposits in 30 days, five transactions in 90 days
In a banking landscape often catering to personal account holders, Chase stands apart by recognizing the unique financial needs of small-business owners, solopreneurs, and freelancers. Chase doesn’t shortchange the entrepreneurial spirit; instead, it offers an opportunity tailored just for you with Chase Business Complete Checking.
To qualify for this special $300 bonus, here’s what you need to do:
- Open a new Chase Business Complete Checking account online or in-person by January 22, 2026.
- Deposit $2,000 in new money within 30 days of offer enrollment and maintain that balance for 60 days.
- Complete at least five qualifying transactions within 90 days, including electronic deposits and debit card purchases.
After fulfilling these activities, the bonus will be credited to your account within 15 business days.
Apply Now
U.S. Bank Business Checking — Up to $1,200 Bonus
- Bonus: Up to $1,200
- Good Through: January 14, 2026
- Requirements: At least $5,000 in new money deposits
Earn a $400 bonus when you open a U.S. Bank Business Essentials Account or $1,200 when you open a Platinum Business Checking Account online with promo code Q4AFL25 and complete qualifying activities, subject to certain terms and limitations. Offer valid through January 14, 2026. Member FDIC.
Complete these steps to earn a $400 bonus offer:
- Earn your $400 Business Checking bonus by opening a new U.S. Bank Business Essentials account between 10/1/2025 and 1/14/2026. 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.
Complete these steps to earn a $1,200 bonus offer:
- Earn your $1,200 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking account between 10/1/2025 and 1/14/2026. 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 5 qualifying transactions within 60 days of account opening.
Deposit products offered by U.S. Bank National Association. Member FDIC.
Apply Now
Axos Bank Basic Business Checking — Up to $400 Cash Bonus
- Bonus: Up to $400
- Good Through: September 30, 2025
- Requirements: Promo code only
Opt for smarter business banking and not only will you take control of your company’s finances, but you’ll also get to enjoy a generous $400 welcome bonus!
Just apply by September 30, 2025 and use the promo code NEW400 to claim your bonus.
Make the smart move for your business today!
Apply Now
PNC Bank Business Checking — Up to $1,000 Cash Bonus
- Bonus: Up to $1,000
- Good Through: December 31, 2024
- Requirements: Qualifying deposits and/or transaction minimums
Open an eligible new PNC Bank business checking account (Business Checking or Business Checking Plus) by December 31, 2024, for the opportunity 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.
Once you’ve completed the qualifying activities, you’ll receive a $200 cash bonus in your account within 90 days.
Alternatively, open a new Treasury Enterprise Plan or Analysis Business Checking account by December 31, 2024, for the opportunity to earn a $500 bonus. All you need to do is maintain a minimum average balance of $30,000 throughout the first three statement cycles. Or you can increase the bonus to $1,000 by maintaining a minimum average ledger balance of $100,000 foreach of the first three statement cycles.
Apply Now
Final Word
Most of the banks mentioned here do not cater to small-business owners exclusively.
They also offer consumer accounts — in some cases, generous and expansive lineups that include free checking accounts, rewards checking accounts, CDs with above-average rates, money market accounts, and high-yield savings accounts that might just keep your emergency fund on pace with inflation.
Others offer cash-back credit cards, among other types of rewards-laden spending aids for individuals.
That matters. After all, every business owner is a person too — one with personal money management needs. That means every business owner needs a personal checking account, among other key personal banking relationships.
If you’d like that relationship to involve the same bank you choose for your business banking needs, perhaps one of these promotions will seal the deal.
