Top 40 Small Business Checking Account Bonuses, up to $2,500 (Nov 2024)

It’s a great time to be looking for a new checking account for your small business. Since Q4 is generally a slow period for new accounts, many banks scouting for new business accounts with giant bonuses. We were surprised to see $900 offered by US Bank* when they contacted us last week. But it turns out that’s not even the highest bonus out there. Five banks have bonuses of $1,000 or more, but only Huntington ($30,000) requires less than $100,000 to earn the bonus.

And even if you don’t have a 5-figure checking balance, you can still earn as much as $500 for a relatively modest balance of $2000 to $5000.

Choosing the best bank offer:

While it’s tempting to go with the highest dollar amount, those bonuses are just a one-time treat. Much more important is choosing a bank that meets your banking, payment and credit needs. And most businesses will want to choose one bank with branches in your area and a second one that offers the most convenient mobile and online banking. For more information on making a good choice see our previous post.

Caveats:

Most banks require you to maintain this level of minimum deposit for at least 60 to 90 days to earn the bonus.
We tried to only include offers available to businesses anywhere in the United States. However, you may find undisclosed geographic limitations when you apply.

Company	Offer	Product	Min Deposit	Min Time	Expires	Other fine print
Flushing Bank	$2,500	Checking	$250,000	90 days
Citibank	$2,000	Checking	$200,000	45 days	7 Jan 25	Varied by zip
Citibank	$1,500	Checking	$100,000	45 days	7 Jan 25	Varies by zip
M&T Bank	$1,500	Checking	$100,000	90 days	31 Dec 25
Huntington Bank	$1,000	Checking: Unlimited Plus	$20,000	60 days	7 Jan 25
PNC Bank	$1,000	Treasury Management	$100,000	90 days
Flushing Bank	$1,000	Checking	$100,000	90 days
US Bank	$900	Checking: Platinum	$30,000	90 days	15 Jan 25
Horizon Bank	$800	Checking	$25,000	90 days		Min 20 trans
Citibank	$750	Checking	$20,000	45 days	7 Jan 25	Varies by zip
Associated Bank	$750	Checking: Choice	$20,000	60 days	30 Jun 25
BMO	$750	Checking	$25,000	60 days	1 Feb 25
M&T Bank	$750	Checking	$30,000	90 days	31 Dec 25
TD Bank	$500	Checking	$2,500	60 days	30 Nov 24	Min 25 trans
Central Bank	$500	Checking	$3,000	1 day	31 Jan 25	Must have $3k on deposit on day 90
M&T Bank	$500	Checking	$15,000	90 days	31 Dec 25
PNC Bank	$500	Treasury Management	$30,000	90 days
Flushing Bank	$500	Checking	$50,000	90 days
PNC Bank	$400	Checking	$2,000	90 days	31 Dec 24	Min 20 trans
Huntington Bank	$400	Checking: Unlimited	$5,000	30 days	7 Jan 25
Associated Bank	$400	Checking: Balanced	$5,000	60 days	30 Jun 25
US Bank	$400	Checking: Silver	$5,000	90 days	15 Jan 25
Horizon Bank	$400	Checking	$5,000	90 days		Min 20 trans
Live Oak Bank	$400	Savings	$30,000	90 days	31 Oct 24	Pays 3.9% APY
Axos Bank	$400	Checking	$50,000	120 days	2 Jan 24	Min 10 trans
BMO	$350	Checking	$4,000	60 days	1 Feb 25
Guaranty Bank	$300	Checking	Varies	1 day	8 Dec 24	Must be open 30 days
Chase	$300	Checking	$2,000	30 days	16 Jan 25	Min 5 transactions
Bluevine	$300	Checking	$6,000	None	31 Dec 24	Must spend $2k/mo on debit
Citibank	$300	Checking	$5,000	45 days	7 Jan 25	Varies by zip
Lilli	$300	Checking	$5,000	60 days	31 Dec 24	Min 5 transaction
American Express	$300	Checking	$5,000	60 days	None	Min 5 trans; Reward = 30k points
M&T Bank	$300	Checking	$5,000	90 days	31 Dec 25
Axos Bank	$300	Checking	$25,000	120 days	2 Jan 24	Min 10 trans
Mercury	$250	Checking	$10,000	None	None
Bank of America	$200	Checking	$5,000	60 days	31 Dec 24
Flushing Bank	$150	Checking	$10,000	90 days
Huntington Bank	$100	Checking 100	$2,000	30 days	7 Jan 25
Associated Bank	$100	Checking: Access	$2,000	60 days	30 Jun 25