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Business Checking Account Bonuses for December 2025
Earn between $200 and $1,000 — after meeting requirements, of course.
Banks offer account bonuses to incentivize you to open an account. Business account bonuses can range from $50 to as much as $1,000. Just remember that most bonuses come with conditions — you’ll likely have to meet certain requirements to earn that bonus cash, such as depositing a lump sum or maintaining a certain balance.
We’ve rounded up some top business checking account bonuses, including offers from Bluevine, Chase, American Express, PNC and Huntington.
| Business account | Bonus amount | Easy or hard requirements | Requirements | Learn more |
|---|---|---|---|---|
| Bluevine Business Checking | $500 | Hard | ||
| Chase Business Complete Banking | $300 or $500 | Hard | ||
| PNC Business Checking | $400 | Easy | ||
| PNC Business Checking Plus | $400 | Easy | ||
| PNC Treasury Enterprise Plan | $1,000 | Hard | ||
| PNC Analysis Business Checking | $1,000 | Hard | ||
| Truist Small Business Checking | $400 | Easy | ||
| Huntington Unlimited Business Checking | $400 | Hard | ||
| Huntington Unlimited Plus Business Checking | $1,000 | Hard | ||
| Bank of America Business Advantage Fundamentals Banking | $200 | Hard | ||
| American Express Business Checking | 30,000 Amex membership points | Hard |
Do all bank account bonuses have requirements?
Yes, most banks have certain requirements you must meet to earn a new customer or welcome bonus. The most common requirements include setting up direct deposit, depositing a certain amount within a specified time frame, performing a number of card transactions or maintaining an average daily balance set by the bank.
Most bank bonuses are not instant, either. Bonuses are usually delivered a week or two after you’ve met the requirements, and you’re often required to keep the account in good standing.
What different scores mean
9+
Excellent
These are the best business checking accounts that are likely to have the lowest fees, smallest opening deposits, unlimited transactions and low wire transfer fees.
7+
Great
These accounts may have low service fees, a number of free transactions and low wire transfer fees, but may not offer the most perks.
5+
Standard
These business accounts are likely to charge a monthly fee, may have transaction fees or costly wire transfer fees, but are still typical business accounts.
0+
Basic
These business checking accounts are likely to have costly service fees, may not accept cash deposits, have costly wire transfer fees and lack extra perks the best accounts offer.
Compare top business checking accounts
Narrow down top business accounts by monthly fees, APYs and other features. For a better comparison, tick the Compare box on up to four accounts to see the benefits side by side.
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How we picked these
What different scores mean
9+
Excellent
These are the best business checking accounts that are likely to have the lowest fees, smallest opening deposits, unlimited transactions and low wire transfer fees.
7+
Great
These accounts may have low service fees, a number of free transactions and low wire transfer fees, but may not offer the most perks.
5+
Standard
These business accounts are likely to charge a monthly fee, may have transaction fees or costly wire transfer fees, but are still typical business accounts.
0+
Basic
These business checking accounts are likely to have costly service fees, may not accept cash deposits, have costly wire transfer fees and lack extra perks the best accounts offer.
What is the Finder Score?
The Finder Score analyzes and evenly weighs business accounts against multiple factors, including monthly maintenance fees, opening deposits, overdraft fees, wire transfer fees and transaction limitations. We also award accounts that offer extra perks not normally offered, such as annual percentage yield (APY), without penalizing accounts that aren’t interest-bearing.
Bottom line
With nearly every account bonus, there are certain requirements you need to meet. But just because a bank offers a high welcome bonus doesn’t mean it’s the best account for your business. Compare the best business checking accounts to find the right one for your business.
Frequently asked questions
How fast are bank account bonuses delivered?
Bank account bonuses are typically delivered 30 to 60 days after you meet the requirements. Some bonuses may take much longer, such as the American Express Business Checking welcome offer that’s delivered eight to 12 weeks after you’ve met the criteria to earn it.
Are there any instant bank account bonuses?
Unfortunately, instant bank account bonuses are not common. Most welcome offers or account bonuses are awarded after you’ve met certain requirements, which may take a month or so to meet, such as maintaining an average account balance for 30 days. Once the requirements are met, banks often deliver bonuses within 30 to 90 days.
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