This month's bonuses are pretty good. Top options include Chase ($400), US Bank ($500/$900/$1,500), and AMEX (35,000 MR). The requirements are straightforward, with different tiers for different funding amounts. If you want an account for your business, Mercury is a good option—I use it myself, too.

Bank Account bonus Required funds Expiration Apply
Chase Business Checking $400-$500 $2,000-$10,000 2027/1/21 Apply now
US Bank Business Checking $500-$1,500 $5,000-$25,000 2027/1/13 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 2027/2/1 Apply now
Wells Fargo Business Checking $400-$825 $2,500-$25,000 2026/11/2 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 2026/10/31 Apply now
Mercury Business Checking $300 $10,000 Ongoing Apply now

Note: Bank account bonus offer deadlines may be extended over time, so click the offer link to check whether it has expired. Some account bonuses have specific requirements; see the detailed offer information for more.

Chase Business Checking $500

The Chase Business Checking bonus has increased to $500/$400. You only need to deposit $10,000/$2,000 and complete five qualifying account activities. The requirements are fairly simple, and if you don't have enough funds, the $400 tier is a good option. The offer expires on January 21, 2027.

To earn the bonus, deposit $10,000/$2,000 within 30 days and keep it there for at least 60 days. You must also complete five qualifying account activities within 90 days. The easiest way is to make five purchases with the linked debit card. Other eligible activities include using QuickDepositSM (mobile check deposit), ACH credits, incoming or outgoing wire transfers, Chase Online Bill Pay, and Chase QuickAccept. Note that Zelle and ACH debits do not count.

US Bank Business Checking $1,500

Through the US Bank and State Farm partnership link, US Bank Business Checking currently offers a bonus of up to $1,500. Non-State Farm customers have already reported successfully receiving this offer. Compared with the previously publicized $400/$1,200 offer, this round has higher bonuses. The deposit requirements are $5,000/$10,000/$25,000, and the offer expires on January 13, 2027.

There are three tiers:

  • Business Essentials: $500 bonus. Deposit $5,000 in new money within 30 days of opening the account and keep it there through day 60 after opening.
  • Gold Business Checking: $900 bonus. Deposit $10,000 in new money within 30 days of opening the account and keep it there through day 60 after opening.
  • Platinum Business Checking: $1,500 bonus. Deposit $25,000 in new money within 30 days of opening the account and keep it there through day 60 after opening.

All three tiers also require six qualifying account activities within 60 days of opening. These include debit card purchases, ACH credits, wire transfers, Zelle, US Bank Mobile Check Deposit, and Bill Pay. The easiest approach is generally to make a few debit card purchases.

Bank of America Business Checking $750

This account currently has a solid opening bonus. Deposit $5,000/$15,000 within 30 days of opening, then maintain an average balance above $5,000/$15,000 for 60 days to earn a $400/$750 bonus. The top tier is equivalent to a 5% return in just 60 days—or an annualized rate of 30%!

  • Apply here (you must apply by December 31, 2026)

BMO Business Checking $1,500

From now through February 1, 2027, open a new BMO business checking account online or at a BMO branch. Complete the requirements to earn a bonus of up to $1,500.

Bonus tiers:

  • $400 bonus: On day 30 after opening, the account balance must be at least $4,000. From day 31 through day 90, the balance must remain at or above $4,000.
  • $750 bonus: On day 30 after opening, the account balance must be at least $25,000. From day 31 through day 90, the balance must remain at or above $25,000.
  • $1,000 bonus: On day 30 after opening, the account balance must be at least $50,000. From day 31 through day 90, the balance must remain at or above $50,000.
  • $1,500 bonus: On day 30 after opening, the account balance must be at least $100,000. From day 31 through day 90, the balance must remain at or above $100,000.

Final notes

  • You’ll receive the reward for the highest tier whose requirements you meet.
  • For customers opening this BMO business checking account for the first time only. See the bank’s official terms for specific exclusions.

Wells Fargo Business Checking $825

Wells Fargo Business Checking currently offers a welcome bonus of up to $825. You can earn $400 with a minimum deposit of just $2,500. The three tiers require deposits of $2,500/$10,000/$25,000 and pay bonuses of $400/$550/$825, respectively. The offer expires November 10.

To earn the welcome bonus, deposit at least $2,500/$10,000/$25,000 within 30 days of opening the account. Your account balance on day 30 determines the highest bonus tier you qualify for, and you must maintain the corresponding balance through day 60. You also need to complete 5 qualifying account activities within 60 days. The easiest way is to make five purchases with the linked debit card. Other qualifying activities include Wells Fargo Bill Pay and depositing funds through Wells Fargo Mobile, an ATM, a branch teller, ACH, or wire. Note that Zelle does not qualify, nor do outgoing ACH or wire transfers or transfers between your own Wells Fargo accounts. This offer is for new Wells Fargo Business Checking customers only. The same business entity or business owner can receive a Business Checking Bonus only once every 24 months. After you meet all the requirements, the bonus generally posts within 30 days after the 60-day activity period ends.

Capital One Business Checking $500

Open a Capital One Business Checking account, deposit $5,000 within 30 days, and keep it there for 60 days to earn a $500 bonus. To avoid the monthly fee, maintain 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’re having trouble meeting the requirement, make a few more ACH transfers to accounts outside Capital One.

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 AMEX Business Checking welcome bonus has increased to 35,000 MR. Deposit $5,000 within 30 days of opening the account and maintain it for 60 days. You also need to complete five account activities within 60 days of opening. They’ve also added business savings, which offers 2.95% APY.

Mercury Business Checking $300

Here’s an account I use myself: Mercury Business Checking. One advantage is that you can open an account remotely without an SSN, though you’ll need an EIN and company registration information. The interface is simple and user-friendly. It’s especially suitable for international trade businesses and startups. The account has no monthly fee or minimum deposit requirement, which is great. The current welcome offer requires you to deposit $10,000 within 60 days and maintain it for 30 days to earn a $300 bonus.

Grasshopper Business Checking $300

Grasshopper Innovator Business Checking currently offers a $300 welcome bonus. The requirements are fairly simple: deposit $10,000 and maintain it for a period of time. There’s no direct deposit requirement and no need to make debit card purchases. The offer expires October 31, and the promo code is Skala300. Grasshopper’s Innovator Money Market Savings account also currently earns 3.00% APY on balances of $25,000 or more (1.55% on lower balances).

To earn the welcome bonus, deposit at least $10,000 in new money within 30 days of opening the account. Then, from day 31 through day 90 after opening, maintain an average daily balance of at least $10,000. After you meet the requirements, the bonus will be credited to your account by the 15th of the month following the month in which you meet the final requirement. Note the new-customer restriction: if you were an owner or authorized signer on any Grasshopper Bank account during the past 12 months, you aren’t considered a new customer for this offer. Each business owner or authorized signer can receive the $300 bonus only once. Grasshopper also reserves the right to claw back the bonus if the account is closed within 150 days of opening.

Axos Business Checking $200

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

The requirements for the $200 bonus are fairly simple: maintain a $3,000 average daily balance for four months. However, the $200 is paid in four installments of $50. You must also keep the account open for at least 180 days.

About Business Bank Accounts

Business bank account applications generally require an EIN, but many banks will accept an SSN in place of an EIN and allow you to apply as a sole proprietor. For detailed instructions, see:

Business bank account bonuses generally have fairly flexible requirements: you usually just need to deposit the specified amount, with no direct deposit required, which makes them convenient. However, I recommend checking first to see whether any personal account welcome bonuses suit you, and then considering business bank account bonuses. Of course, if you already need a business account, just choose a bank from the list above that looks like a good fit.

Welcome Bonus Roundup

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 earn a good amount of money and travel funds from these financial accounts.