U.S. Bank Business Checking
U.S. Bank determines account eligibility, approval, and bonus qualification. Terms may change. Verify the latest terms on the official website before applying.
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Verification ledgerOffer terms at a glanceDeposit, spending, fee, deadline, and eligibility details
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
- Current bonus
- Up to $1,200
- Required deposit or spending
- Open between July 1 and September 27, 2026 with promo code Q3DIG26 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
- September 27, 2026
- Estimated payout timing
- Within 30 days after the last calendar day of the month following completion of all requirements.
- 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.
- New U.S. Bank business customers with eligible new money and six routine transactions.
- Businesses able to keep the required balance through day 60.
- Existing customers excluded by the promotion.
- Businesses that cannot preserve liquidity for the full qualification window.
What the headline leaves out
Business Essentials offers the stronger bonus-to-deposit ratio. The $1,200 tier pays more cash but ties up $25,000 and may carry product fees.
How this offer differs
The two tiers serve different cash positions; the top headline should not be compared without considering its five-times-larger deposit requirement.
- 01Promo code Q3DIG26 is required.
- 02New-money and transaction definitions are controlled by U.S. Bank.
- 03The $1,200 maximum is not available with Business Essentials.
- 04Approval is not guaranteed.
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Frequently asked questions
What promo code is required?
The current official terms require promo code Q3DIG26.
Is direct deposit required?
No separate direct-deposit condition is stated, but six qualifying transactions and the applicable new-money balance are required by day 60.
Related guides
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- Can I close my account after the bonus?
- What counts as direct deposit?
- Bank bonus checklist