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Business Checking Account Bonuses

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 accountBonus amountEasy or hard requirementsRequirementsLearn more
Bluevine Business Checking$300Hard
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Chase Business Complete Banking$300 or $500Hard
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PNC Business Checking$400Easy
Read Review
PNC Business Checking Plus$400Easy
Read Review
PNC Treasury Enterprise Plan$1,000Hard
Read Review
PNC Analysis Business Checking$1,000Hard
Read Review
Truist Small Business Checking$400Easy
Read Review
Huntington Business Checking 100$100Easy
Read Review
Huntington Unlimited Business Checking$400Hard
Read Review
Huntington Unlimited Plus Business Checking$1,000Hard
Read Review
Bank of America Business Advantage Fundamentals Banking$200Hard
Read Review
American Express Business Checking30,000 Amex membership pointsHard

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.

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.

Product USFSA-CHK Finder Score Fee Annual Percentage Yield (APY) FDIC Insured Amount Software Integrations Account management Bank transfer fee Bonus offer
Grasshopper logo
Finder score
$0 per month
1.80% on balances of $25,000 to $250,000
1.00% on balances of $0.01 to $24,999.99
1.00% on balances of $250,000.01+
Up to $125 million
Plaid, Quickbooks, Autobooks
Online, App, Phone
$0
Earn unlimited 1% cash back on online and signature-based purchases with your free physical Visa debit card or instant-issue virtual cards.
Airwallex logo
Finder score
$0 per month
N/A
Up to $250,000
Amazon, Quickbooks, Zapier, Shopify, Xero, Hubspot and more
Online, App, Phone
$0
North One logo
Finder score
From $0 per month
3.00% on balances of $0 to $250,000
2.50% on balances of $0 to $250,000
Up to $250,000
PayPal, Stripe, Square, Etsy, Airbnb, Amazon and more
Online, App, Phone
$0
Novo logo
Finder score
$0 per month
N/A
Up to $250,000
Quickbooks, Stripe, Square, Xero, and more
Online, App, Phone
$0
Found logo
Finder score
From $0 per month
1.50% on balances of $0 to $20,000
Up to $250,000
QuickBooks, Stripe, Cash App, PayPal, Square, etc.
Online, App, Phone
$0
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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.

Read the full Finder Score breakdown

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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To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings as part of our fact-checking process.
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Written by

Editor, Banking

Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto. Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt. Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others. Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine. See full bio

Bethany's expertise
Bethany has written 463 Finder guides across topics including:
  • Personal finance
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