U.S. Bank Business Checking

We separate the headline from the conditions required to earn it.

Product name

U.S. Bank Business Checking

Financial institution

U.S. Bank

Offer type

Tiered business checking bonus

Advertised bonus

Up to $1,200

Required deposit or spending

Open between September 28, 2026 and January 13, 2027 with promo code Q4DIG26 and at least $25. Deposit the tier's new money within 30 days, maintain the required daily balance through day 60, and complete six qualifying transactions by day 60.

Direct deposit requirement

Not required. Six qualifying transactions are required; the official terms include eligible debit-card, ACH, wire, Zelle, mobile-check, check, and bill-pay activity and list exclusions.

Minimum balance

$5,000 for the $400 Business Essentials tier or $25,000 for the $1,200 Platinum tier, funded within 30 days and maintained through day 60.

Monthly or annual fee

$0 for Business Essentials; Platinum fee varies under the current product schedule.

How to waive the fee

Business Essentials has no monthly maintenance fee. Review Platinum's current fee schedule and waiver rules before opening.

Eligible states / geographic restrictions

Public U.S. online offer where U.S. Bank business accounts are available; account approval applies.

Offer deadline

January 13, 2027

Estimated payout timing

Within 30 days after the month-end in which all requirements are met; the account must stay open, positive, and in the same product.

Early closure considerations

The account must remain open and in good standing through payment.

Credit inquiry information

Unknown; the official promotion does not state whether a hard inquiry is used.