U.S. Bank Business Checking $400 Bonus

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U.S. Bank : Business Checking

$400

Offer Expires In

How To Earn The Bonus

  1. Open a new Silver, Gold or Platinum Business Checking Account from U.S. Bank (member FDIC) with the promo code AF49ZCB.
  2. Within 30 days, deposit $3,000 in new money and maintain that balance for 60 days.
  3. Within 60 days, complete 5 qualifying transactions (debit card purchases, merchant deposits, ACH credits, debit or credit wires, mobile check deposit or bill pay).
  4. Within the same 60 days, enroll in online banking or download and log in to their mobile app.
  5. Bonus will be deposited into your new U.S. Bank business checking account within 45 days of meeting all requirements.

Available in Your Area?

No

Monthly Fees?

Varies

Open Online?

Yes

Credit Pull?

Unknown

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at U.S. Bank

U.S. Bank is offering a $400 welcome bonus when you open and fund a new business checking account. The funding requirement has doubled since the last time this promo was offered, but the number of qualifying activities required has been halved.

This used to be a two-part bonus, broken into $400 and $100 chunks; however, they've removed the ability to earn the extra $100 this time around. To earn the $400, just deposit $3,000 in your new checking account and then complete some qualifying transactions such as using your debit card, receiving ACH credits, using mobile check deposit, paying bills, and more.

Keep in mind that this promotion is available nationwide to customers who already have a relationship with U.S. Bank. For anyone else, you'll need to live in one of the 26 states in which they operate: AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY

How To Earn The Bonus

The U.S. Bank Business Checking promotion requires you to deposit and maintain a minimum balance, and optionally, make purchases using the account's card and set up bill pay in order to earn the $400 bonus.

Full requirements to receive this bonus are:

  1. Open a new Silver, Gold or Platinum Business Checking Account from U.S. Bank (member FDIC) with the promo code AF49ZCB.
  2. Within 30 days, deposit $3,000 in new money and maintain that balance for 60 days.
  3. Within 60 days, complete 5 qualifying transactions (debit card purchases, merchant deposits, ACH credits, debit or credit wires, mobile check deposit or bill pay).
  4. Within the same 60 days, enroll in online banking or download and log in to their mobile app.
  5. Bonus will be deposited into your new U.S. Bank business checking account within 45 days of meeting all requirements.

The fine print

  • Limit of one Business Checking bonus per business.
  • Offer is not valid if you or any signer on the new business checking account have an existing U.S. Bank business checking account or had a U.S. Bank business checking account in the last 24 months.
  • Promo code AF49ZCB MUST be used when opening the business checking account.

How does this business checking offer from U.S. Bank compare?

To help you determine how this bonus stacks against the rest, here are some of the most popular offers available right now:

Chase

Chase Business Complete Banking℠

Bonus
$300
Account Type
Business Checking
Expires In
14 days
Requires
  • Min Balance
  • Card Spend (optional)

Axos

Business Interest Checking

Bonus
up to $200
Account Type
Business Checking
Expires In
57 days
Requires
  • Min Balance

PNC

Business Checking Account

Bonus
$200
Account Type
Business Checking
Expires In
57 days
Requires
  • Min Balance
  • Card Spend

Recent Versions of This Offer

Banks often tweak the requirements and the reward amount of their welcome offers. Track how this welcome bonus from U.S. Bank has changed over time:

  • Expired December 21, 2022: Open a new U.S. Bank Business Checking Account, deposit $1,500 in new money and maintain that balance for 60 days, plus make 10 qualifying transactions to earn $400. Additional $100 available for meeting merchant service requirements
  • Expired July 29, 2022: Open a new U.S. Bank Silver, Gold or Platinum Business Checking Account, deposit $3,000 in new money and maintain that balance for 60 days, plus make 5 qualifying transactions (debit card purchases, merchant deposits, ACH credits, etc) to earn $300.

Why U.S. Bank?

U.S. Bank is the consumer banking division of U.S. Bancorp, which is the fifth-largest banking institution in the United States.

The bank traces its history back to 1863 when it was first opened as the First National Bank of Cincinnati. Following a series of mergers and acquisitions in the early 2000s, U.S. Bank officially established its headquarters in Minneapolis, Minnesota, and now operates more than 2,200 physical branches across the Midwest and Western U.S.

U.S. Bank offers a wide range of both personal and small business accounts, and they often offer new customers generous promotions in exchange for opening a new U.S. Bank account.

Silver Checking Package

The Silver Checking Package from U.S. Bank is an entry-level no-monthly-fee option to starting a business banking relationship with U.S. Bank. It's designed for new or small businesses with basic banking account needs.

With it, you'll get 125 transactions each month ($0.50 per transaction beyond that) and 25 cash deposit units.

This is in addition to the features that come standard with all of their business checking accounts, including online and mobile banking, card payment processing, check fraud prevention tools, and an "EZ Switch Kit" to help with switching your existing accounts.

Fees

Silver Checking Package does not charge a monthly fee.

Gold Business Checking

The Gold Business Checking Account Package is U.S. Bank's middle-tier option for small business owners.

With it, you'll get 300 transactions each month ($0.45 per transaction beyond that) and 100 cash deposit units.

This is in addition to the features that come standard with all of their business checking accounts, including online and mobile banking, card payment processing, check fraud prevention tools, and an "EZ Switch Kit" to help with switching your existing accounts.

Fees

Gold Business Checking does charge a monthly fee of $20, but there are ways to get this waived:

  • Have an average collected checking balance of $10,000.
  • OR, have an average collected checking balance on interest-bearing option of $25,000.

Platinum Checking Package

The Platinum Checking Package from U.S. Bank is a higher tier solution designed for mature businesses with higher balances.

With it, you'll get 500 transactions each month ($0.40 per transaction beyond that) and 200 cash deposit units.

This is in addition to the features that come standard with all of their business checking accounts, including online and mobile banking, card payment processing, check fraud prevention tools, and an "EZ Switch Kit" to help with switching your existing accounts.

Fees

Platinum Checking Package does charge a monthly fee of $30, but there are ways to get this waived:

  • Maintain an average collected checking balance of $25,000.
  • OR, have combined average collected business deposits and outstanding business credit balances of $75,000

U.S. Bank Locations

You may sometimes be required to visit a branch in-person to take advantage of a welcome offer. Or, you may just prefer the convenience of banking with institutions that have locations near you.

Fortunately, U.S. Bank has a total of 2257 branches in the United States.

Get a better idea of how well U.S. Bank can serve you by checking out their branches closest to your area:

1512 Ogden Avenue
Downers Grove, IL 60515

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1702 Eastland Drive
Bloomington, IL 61704

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1071 Grand Avenue
Saint Paul, MN 55105

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4000 West Broadway
Robbinsdale, MN 55422

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1000 Payne Avenue
Saint Paul, MN 55130

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9800 15th Avenue, S.W.
Seattle, WA 98106

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8780 Horton Highway
College Grove, TN 37046

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203 South 2nd Avenue
Rock Rapids, IA 51246

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4100 West 50th Street
Edina, MN 55424

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25 East Washington Street
Chicago, IL 60602

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12579 Main Street
Martin, KY 41649

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214 South Spring Street
Hermitage, MO 65668

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