U.S. Bank Business Checking Bonus Offer: How to Earn Up to $900 – Ends 3/31/25

U.S. Bank is offering a nice promotion for small business owners. With a potential $900 bonus on the table, this offer is one of the best business banking promotions currently available. I’ll break down the offer and show you how to take advantage of it so that your business can benefit from both a new checking account and a hefty bonus.

Update 1/21/25: The offer was extended from January 15 to March 31.

Key Takeaways

• Earn up to $900 with U.S. Bank by opening a new business checking account.
• The bonus tiers are $400 or $900, depending on account type and deposits.
• You must complete qualifying transactions and maintain your balance to earn the bonus.
• This offer is available for a limited time, so take action soon!

What Is the U.S. Bank Business Checking Bonus Offer?

The U.S. Bank business checking bonus is a promotional offer for new business customers. By opening a qualifying business checking account and meeting the deposit and transaction requirements, you can earn up to $800 in bonuses.

The bonus offer is structured in tiers based on the type of account you open and the balance you maintain. Here’s how the bonus tiers break down:

• Earn $500: Open a Silver or Business Checking account and deposit at least $5,000 in new money.
• Earn $900: Deposit at least $30,000 or more in new money.

This promotion is available until March 31, 2025, and you’ll need to complete qualifying transactions (such as debit card purchases or ACH credits) within 60 days of account opening to receive the bonus. It’s a great opportunity for businesses to get more value from their banking experience.

How to Qualify for the U.S. Bank Business Checking Bonus

Here are the steps you’ll need to follow to qualify for the U.S. Bank business checking bonus:

1. Open a Qualifying Business Checking Account: Choose from U.S. Bank’s Silver, Gold, or Platinum business checking accounts. Each account has different features tailored to various business needs.
2. Deposit New Money: To qualify for the bonus, deposit at least $5,000 in new money (funds that weren’t already in U.S. Bank accounts). Depending on the amount deposited, you’ll qualify for either the $500 or $900 bonus.
3. Complete Qualifying Transactions: Within 60 days of account opening, complete at least 5 qualifying transactions, such as debit card purchases, bill payments, or ACH credits.
4. Maintain Your Balance: The deposit must remain in the account for at least 60 days to be eligible for the bonus.

Once these steps are completed, U.S. Bank will credit the bonus to your account within 30 days.

Which U.S. Bank Business Checking Account Should You Choose?

U.S. Bank offers several business checking accounts to fit different business sizes and needs. Here’s a quick overview of the options available:

• Silver Business Checking: Ideal for smaller businesses with fewer transactions. It offers low fees but includes basic features like 125 free transactions per statement cycle.
• Gold Business Checking: Best for growing businesses that need more flexibility. This account provides 300 free transactions per statement cycle and other benefits such as waived fees for cash deposits.
• Platinum Business Checking: Designed for larger businesses with high transaction volumes. It includes 500 free transactions per statement cycle and premium banking services.

Choosing the right account depends on your business’s size and transaction needs. The more transactions your business makes, the higher-tier account you should consider.

Maximizing the U.S. Bank Business Checking Bonus

To get the most out of this offer, here are a few strategies to maximize your bonus:

• Deposit the Maximum: If possible, deposit $25,000 or more to qualify for the full $800 bonus. Even though a $5,000 deposit will earn you $500, the extra $300 is worth the additional deposit if your business can spare the funds.
• Complete the Transactions Quickly: Don’t delay in making your qualifying transactions. As soon as the account is open, ensure you hit the required number of transactions within 60 days to avoid missing out on the bonus.
• Choose the Right Account: If your business doesn’t make many transactions, the Silver Business Checking account will help you save on fees. However, if you expect a high volume of transactions, the Platinum Business Checking account may offer better value in the long run.

Fees and Requirements to Watch Out For

While the bonus offer is attractive, be mindful of any fees associated with your account. U.S. Bank business checking accounts typically come with monthly maintenance fees, though some of these can be waived if you meet certain requirements, such as maintaining a minimum balance.

• Silver Business Checking: No monthly maintenance fee, but limited transactions.
• Gold Business Checking: $20 monthly maintenance fee (waived if balance requirements are met).
• Platinum Business Checking: $30 monthly maintenance fee (waived with qualifying balances).

Be sure to review the fee schedule before choosing your account to ensure you won’t incur any unexpected costs.

Our Take on the U.S. Bank Business Checking Bonus

This U.S. Bank bonus offer is one of the most competitive business checking promotions available right now, especially for small businesses or startups looking for a straightforward way to earn a cash bonus. The deposit and transaction requirements are reasonable, and the tiered bonuses give you flexibility depending on your business’s cash flow.

Whether you’re a small business looking for a basic account or a larger business needing premium banking services, U.S. Bank has options that can fit your needs. Just make sure to review the account fees and ensure you can maintain the balance requirements to avoid any unexpected charges.

To learn more about bank bonuses, see our Ultimate Guide to Bank Bonuses: Strategies, Tips, and Must-Read Articles

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