It’s a great time to shop for a new checking account for your small business. The first quarter is typically a time when many small businesses are shopping for financial services, so banks respond with lucrative new-account bonuses. And the amounts can be substantial. Five banks have bonuses of $1,000 or more, though it takes between $20,000 to $100,000 to qualify. U.S. Bank offers the best deal, with $1,200 back after just 30 days of keeping $25,000 in your account.

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Even if you don’t have a 5-figure checking balance, you can still earn $400 for a relatively modest balance of $2,000 to $5,000. That bonus is also offered by U.S. Bank along with PNC Bank, Huntington, BMO and Associated Bank.

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 30 to 90 days to earn the bonus.
  • Most offers are available across the entire United States. However, you may find undisclosed geographic limitations when you apply.

New Checking Account Bonuses from National Banks

ranked by Bonus Value*

Reviewed Company Bonus Value* Product Min Deposit Min Days Offer Expires
Under $30k deposit
3 Mar 26 U.S. Bank $1,200 $1,138 Business Platinum $25,000 30 31 Mar 26
3 Mar 26 Huntington Bank $1,000 $852 Checking: Unlimited Plus $20,000 90 16 Jun 26
3 Mar 26 PNC Bank $1,000 $778 Treasury Management $30,000 90 31 Mar 26
3 Mar 26 Associated Bank $750 $602 Checking: Choice $20,000 90 30 Apr 26
3 Mar 26 BMO $750 $565 Checking $25,000 90 30 Apr 26
3 Mar 26 M&T Bank $750 $528 Checking $30,000 90 31 Mar 26
3 Mar 26 Central Bank $500 $478 Checking $3,000 90 31 May 26
3 Mar 26 Chase $500 $475 Checking $10,000 30 30 Apr 26
3 Mar 26 Citibank $500 $426 Checking $20,000 45 6 Apr 26
3 Mar 26 M&T Bank $500 $389 Checking $15,000 90 31 Mar 26
3 Mar 26 U.S. Bank $400 $388 Business Essentials $5,000 30 31 Mar 26
3 Mar 26 PNC Bank $400 $385 Checking $2,000 90 31 Mar 26
3 Mar 26 BMO $400 $380 Checking $4,000 60 30 Apr 26
3 Mar 26 Huntington Bank $400 $363 Checking: Unlimited $5,000 90 16 Jun 26
3 Mar 26 Associated Bank $400 $363 Checking: Balanced $5,000 90 30 Apr 26
3 Mar 26 Chase $300 $295 Checking $2,000 30 30 Apr 26
3 Mar 26 Citibank $300 $282 Checking $5,000 45 6 Apr 26
3 Mar 26 American Express $300 $275 Checking $5,000 60 None
3 Mar 26 M&T Bank $300 $263 Checking $5,000 90 31 Mar 26
3 Mar 26 Mercury $250 $249 Checking $10,000 1 None
3 Mar 26 Axos Bank $200 $170 Checking $3,000 120 30 Jun 26
3 Mar 26 Associated Bank $100 $85 Checking: Access $2,000 90 30 Apr 26
More than $30k
3 Mar 26 Citibank $2,000 $1,260 Checking $200,000 45 6 Apr 26
3 Mar 26 Citibank $1,500 $1,130 Checking $100,000 45 6 Apr 26
3 Mar 26 Citibank $1,000 $815 Checking $50,000 45 6 Apr 26
3 Mar 26 M&T Bank $1,500 $760 Checking $100,000 90 31 Mar 26
3 Mar 26 BMO $1,000 $630 Checking $50,000 90 30 Apr 26

Source: FintechLabs, 3 March 2026

*Bonus Value: We subtract 3.0% in potential foregone interest times the minimum time the initial deposit must stay in the account. Bonus value is PRE-tax.

Disclosure: We may earn revenue from listed banks

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