This month’s bonuses are pretty good. I would start by looking at Chase $400, US Bank $500/$900/$1,500, and AMEX 35,000 MR. The requirements are all fairly straightforward, and there are tiers for different funding levels. If you want something for your own business use, Mercury is quite good; I have been using it myself as well.

Bank Opening Bonus Required Funds Expiration Date Apply
Chase Business Checking $400-$500 $2,000-$10,000 2026/10/15 Apply Now
Chase Platinum Business Checking $3,000 $300,000 2026/10/1 Apply Now
US Bank Business Checking $500-$1,500 $5,000-$25,000 2026/9/27 Apply Now
Bank of America Business Checking $400-$750 $5,000-$15,000 2026/12/31 Apply Now
BMO Business Checking $400-$1,500 $4,000-$100,000 2026/8/31 Apply Now
Wells Fargo Business Checking $400-$825 $2,500-$250k 2026/10/6 Apply Now
Axos Business Checking $200 $3,000 2027/1/31 Apply Now
Capital One Business Checking $500 $5,000 Not specified Apply Now
AMEX Business Checking 35,000 MR $5,000 Not specified Apply Now
Grasshopper Business Checking $300 $10,000 2026/9/30 Apply Now
Mercury Business Checking $250 $10,000 Not specified Apply Now

Note that the end dates for bank account opening bonus promotions may keep getting extended, so you can click the promotion link to see whether the offer has expired. Some opening bonuses have specific requirements; click the detailed review to learn more.

Chase Business Checking $500-$3,000

The Chase Business Checking opening bonus has been increased to $500/$400, and you only need to deposit $10,000/$2,000 and complete five qualifying account activities. It is fairly easy. If you do not have enough funds, the $400 tier is also a good choice. The promotion expires on October 15.

To get the opening bonus, you need to deposit $10,000/$2,000 within 30 days and maintain it for at least 60 days. You also need to complete 5 qualifying account activities within 90 days. The easiest way is usually to make any five purchases with the linked debit card. Other qualifying activities include QuickDepositSM (mobile check deposit), ACH credit, incoming or outgoing wire transfer, Chase Online Bill Pay, and Chase QuickAccept. Note in particular that Zelle does not count, and ACH debit does not count either.If you have more funds on hand, Chase Platinum Business Checking currently also has a $3,000 opening bonus. You need to deposit at least $300,000 in new external funds within 60 days of promotion enrollment, and maintain a balance of at least $300,000 for 180 days starting from promotion enrollment. After you complete these requirements, Chase will pay the $3,000 bonus within 15 days. The promotion expires on October 1.

US Bank Business Checking $1,500

US Bank Business Checking can now offer up to a $1,500 opening bonus through the partnership link between US Bank and State Farm. There are already non-State Farm users who have successfully received this offer. Compared with the previous public $400/$1,200 version, this round has higher bonuses, with deposit requirements of $5,000/$10,000/$25,000. The promotion expires on September 27.

This promotion has three tiers:

  • Business Essentials: $500 bonus. Deposit $5,000 in New Money within 30 days after account opening, and maintain it through the 60th day after account opening.
  • Gold Business Checking: $900 bonus. Deposit $10,000 in New Money within 30 days after account opening, and maintain it through the 60th day after account opening.
  • Platinum Business Checking: $1,500 bonus. Deposit $25,000 in New Money within 30 days after account opening, and maintain it through the 60th day after account opening.

All three tiers also require completing 6 qualifying account activities within 60 days after account opening. These include debit card purchases, ACH Credit, Wire Transfer, Zelle, US Bank Mobile Check Deposit, Bill Pay, and so on. The easiest option is generally to complete a few debit card purchases.

In addition to the State Farm landing page above, you can also apply directly through the link below. However, this link itself does not show a landing page for the opening bonus, so I recommend using the State Farm page above first. The promo code for this round is Q3BUS26.

The regular US Bank Business Checking offers a $1,200 or $400 opening bonus. You can also apply and then ask customer service to switch you to the Q3BUS26 invite code; it will become the $1,500 offer, and the requirements are the same as above.

Bank of America Business Checking $750

This account currently has a solid new-account bonus. Deposit $5,000/$15,000 within 30 days after account opening and maintain an average balance above $5,000/$15,000 for 60 days to earn a $400/$750 bonus. The top tier is effectively a 5% return in 60 days, which works out to about a 30% annualized rate!

BMO Business Checking $1,500

From May 1, 2026 through August 31, 2026, open a new BMO business checking account online or at a BMO branch. After completing the requirements, you can earn a bonus of up to $1,500.

The bonus tiers are as follows:

  • $400 bonus: on day 30 after account opening, the account balance must be at least $4,000; from day 31 through day 90, the account balance must remain at $4,000 or more at all times.
  • $750 bonus: on day 30 after account opening, the account balance must be at least $25,000; from day 31 through day 90, the account balance must remain at $25,000 or more at all times.
  • $1,000 bonus: on day 30 after account opening, the account balance must be at least $50,000; from day 31 through day 90, the account balance must remain at $50,000 or more at all times.
  • $1,500 bonus: on day 30 after account opening, the account balance must be at least $100,000; from day 31 through day 90, the account balance must remain at $100,000 or more at all times.

Final notes:

  • You will receive the bonus corresponding to the highest tier you meet.
  • Only available to customers opening this BMO business checking account for the first time (please refer to the bank’s official terms for the specific exclusions).

Wells Fargo Business Checking $825

Wells Fargo Business Checking is currently offering a new-account bonus of up to $825, and the lowest tier only requires a $2,500 deposit to earn $400. The three tiers require deposits of $2,500/$10,000/$25,000 and can earn bonuses of $400/$550/$825. The promotion expires on October 6.

To earn the new-account bonus, you need to deposit at least $2,500/$10,000/$25,000 within 30 days after account opening. Your account balance on day 30 after opening will determine the highest bonus tier you can qualify for, and you then need to maintain the corresponding balance through day 60 after account opening. You also need to complete 5 qualifying account activities within 60 days. The easiest way is to make any five purchases with the linked debit card. Other qualifying activities include Wells Fargo Bill Pay, as well as deposits made through Wells Fargo Mobile, an ATM, a branch teller, ACH, or wire transfer. Note in particular that Zelle does not count, outgoing ACH or wire transfers do not count, and transfers between your own Wells Fargo accounts also do not count. This promotion is only for new Wells Fargo Business Checking customers. The same Business Entity or Business Owner can receive only one Business Checking Bonus within 24 months. After all requirements are completed, the bonus generally posts within 30 days after the 60-day promotional period ends.

Capital One Business Checking $500

Open a Capital One Business Checking account now, deposit $5,000 within 30 days, and maintain it for 60 days to earn a $500 bonus. To avoid the monthly fee, you need to keep a $2,000 balance in the checking account.

You also need to complete 10 qualifying account activities within 90 days, such as transfers or check deposits. If you really cannot complete them otherwise, you can do a few more ACH transfers to non-Capital One accounts.

Make 10 qualifying electronic transactions within 90 days of account opening. Qualifying transactions only include electronic wire, electronic check deposit, electronic ACH and instant transfer (from non-Capital One accounts).

AMEX Business Checking 35,000

The new-account bonus for AMEX Business Checking has now increased to 35,000 MR. You need to deposit $5,000 within 30 days of account opening and then maintain it for 60 days. You also need to complete five account activities within 60 days of opening the account. In addition, they have added business savings, which can offer 2.95% APY.

Grasshopper Business Checking $300

Grasshopper Innovator Business Checking currently has a $300 new-account bonus. The requirements are fairly simple: you only need to deposit $10,000 and maintain it for a period of time. No direct deposit is required, and you do not need to complete debit card purchases. The promotion expires on September 30, and the promo code is Skala300. In addition, Grasshopper’s Innovator Money Market Savings currently earns 3.00% APY on balances above $25,000 (1.55% below that).

To earn the new-account bonus, you need to deposit at least $10,000 in New Money within 30 days after account opening. Then, from day 31 after account opening through day 90, you need to maintain at least a $10,000 Average Daily Balance. After you complete the requirements, the bonus will be deposited into the account by the 15th day of the month following the month in which the last requirement is met.

Also note the new-customer restriction: if you were an Owner or Authorized Signer on any Grasshopper Bank account within the past 12 months, you are not considered a new customer for this promotion. Each Business Owner or Authorized Signer can also receive the $300 bonus only once, and if the account is closed within 150 days of opening, Grasshopper reserves the right to claw back the bonus.

Mercury Business Checking $250

Finally, here is one I personally use: Mercury Business Checking. Its advantage is that you can open the account remotely without an SSN, though you do need an EIN and must provide the company’s registration information.

The interface is very clean and user-friendly. It is especially suitable for foreign trade businesses or startups. This account has no monthly fee and no deposit requirement, which is very convenient. The current new-account bonus is $250 after depositing $10,000 within 90 days.

Axos Business Checking $200

Open an Axos Business Checking account now and you can earn up to a $200 bonus. The offer ends January 31, 2027.

The requirements for the $200 bonus are fairly simple: you just need to maintain a $3,000 average daily balance for four months. However, the $200 is paid out in four $50 installments. You also need to keep the account open for 180 days.

About Business Bank Accounts

In general, applying for a business bank account requires an EIN, but in many cases you can use your SSN in place of an EIN, choose Sole Proprietor, and still get approved. You can find the detailed steps here:

Business bank account bonuses are usually fairly easy to earn. You typically just need to deposit the required funds, and Direct Deposit is not required, which makes them pretty convenient. That said, I recommend first checking whether there are any personal account opening bonuses that fit your needs, and then considering business bank account bonuses. Of course, if you already need to open a business account, just choose whichever bank above looks good to you and use it.

Signup Bonus Collection

The accounts below all have very solid sign-up bonuses. Pick the ones you like and earn some extra cash. Over time, those small amounts add up, and in a year you can make a good amount of money and travel funds from these financial accounts.