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9 Best Business Bank Account Promotions & Offers – August 2022


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Most of the best bank account promotions on the market right now cater exclusively to consumers. Indeed, many of the United States’ best online banks seem to favor personal account holders rather than business owners.

But not all banks give business owners short shrift. If you’re a small-business owner, solopreneur, or freelancer, you just need to know where to look to find potentially lucrative credit union and bank account bonuses and referral opportunities.

Let this list guide you to entrepreneur-friendly banks and credit unions hungry enough for your business to pay you for it.

Best Business Bank Account Bonuses (August 2022)

These are the best business bank promotions this month. Unless otherwise noted, all are available to businesses of all sizes, including sole proprietors and freelancers without formal incorporation.

However, business checking and savings accounts impose minimum balance requirements, monthly maintenance fees, and other requirements or restrictions that can impact their suitability.

And all accounts must be open and in good standing when the bonus is paid.


1. U.S. Bank Business Checking — $300 Bonus With Qualifying Activities

Usbank Rgb

U.S. Bank is offering new customers the opportunity to earn a $300 bonus through Oct. 3, 2022.

To earn it, you must open an eligible new business checking account online with promo code AF49ZCB, then complete qualifying activities1. This offer is subject to certain terms and limitations.

Choose from one of three eligible accounts and open it by Oct. 3, 2022:

  • Silver Business Checking Package
  • Gold Business Checking Package
  • Platinum Business Checking Package

Then complete the following qualifying activities to earn the offer:

  • Within 60 days of account opening, enroll in online banking or the U.S. Bank Mobile App.
  • Within 30 days of account opening, complete at least $3,000 in new money deposits.
  • Maintain that balance for at least 60 days thereafter. 
  • Make at least five qualifying transactions into your new business checking account — including merchant deposits, ACH credits, wire credits or debits, debit card purchases, mobile check deposits, or bill payments.

Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for checking account. Member FDIC.

Deposit products offered by U.S. Bank National Association. Member FDIC.

Learn More


2. Huntington Unlimited Plus Business Checking — $750 Bonus Cash

Huntington Bank

Through Nov. 7, 2022, you can earn a bonus worth $750 when you open a new Huntington Bank Unlimited Plus Business Checking account and complete qualifying activities. Here’s how it works: 

  • Open a new Unlimited Plus Business Checking account between July 1, 2022, and Nov. 7, 2022
  • Make cumulative new money deposits of at least $20,000 within 60 days of account opening
  • Keep your account open for a minimum of 90 days
  • Learn more here

After completing these qualifying activities, you should receive your $750 bonus in your account within 14 business days.

Moving forward, enjoy these great Unlimited Plus Business Checking benefits:

  • Unlimited transactions§ and up to $25,000 in cash or currency deposits monthly in-branch or at an ATM at no charge; $0.30 fee for each $100 after
  • Waived monthly maintenance fee with $50,000 in combined deposit relationship balances (otherwise, $40/month)#
  • Your choice of two additional bonus services, such as up to 25 returned deposit items per month and two free incoming domestic wires
  • Open a new Unlimited Plus Business Checking account between July 1, 2022, and Nov. 7, 2022
  • Make cumulative new money deposits of at least $20,000 within 60 days of account opening
  • Keep your account open for a minimum of 90 days
  • Learn more here

Apply Now


3. Huntington Unlimited Business Checking — $400 Bonus Cash

Huntington Bank

Now through Nov. 7, 2022, you can earn a bonus worth $400 when you open a new Huntington Bank Unlimited Business Checking account and complete qualifying activities. Here’s how it works: 

  • Open a new Unlimited Business Checking account between July 1, 2022, and Nov. 7, 2022
  • Make cumulative new money deposits of at least $5,000 within 60 days of account opening
  • Keep your account open for a minimum of 90 days
  • Learn more here

After completing these qualifying activities, you should receive your $400 bonus in your account within 14 business days.

Moving forward, enjoy these great Unlimited Business Checking benefits:

  • Unlimited transactions§ and up to $10,000 in cash or currency deposits monthly in-branch or at an ATM at no charge; $0.30 fee for each $100 after
  • Waived monthly maintenance fee with $10,000 in combined deposit relationship balances (otherwise, $20/month)#
  • Your choice of one additional bonus service, such as two incoming domestic wire transfers per month
  • Open a new Unlimited Business Checking account between July 1, 2022, and Nov. 7, 2022
  • Make cumulative new money deposits of at least $5,000 within 60 days of account opening
  • Keep your account open for a minimum of 90 days
  • Learn more here

Apply Now


4. Axos Bank Basic Business Checking — Up to $200 Cash Bonus

Axos Bank Logo

Open a new Axos Bank Basic Business Checking account by the offer end date to earn a welcome bonus worth up to $200. Here’s how it works:

  • If you’re a new business incorporated after June 1, 2020, enter the promo code “NEWBIZ200” when you apply for your new Axos Bank Basic Business Checking account. Complete all required activities and you’ll earn a bonus worth $200.
  • If you’re an established business new to Axos Bank, use the promo code “NEWAXOSBIZ” when you apply and you’ll earn a bonus worth $100.

You’ll receive your $100 cash bonus in your new checking account within five business days of your third statement cycle date.

This is a truly free business checking account with great perks for account holders. For more information, read our Axos Bank review.

Learn More


5. Brex Cash — Up to 50,000 Bonus Points

Brex Logo

Open a new Brex Cash account and spend $3,500 in purchases within 30 days to earn 30,000 bonus points. Or spend $9,000 in purchases within 30 days to earn 50,000 bonus points — it’s up to you.

This is a truly fee-free business account that earns cash back on eligible purchases. So, you can look forward to no account fees or minimum daily balance requirements, a generous ongoing rewards program, and value-added perks worth $150,000.

Learn More

*Brex Treasury LLC is not a bank; Brex Cash is not a bank account.


6. Huntington Business Checking 100 — $100 Bonus Cash

Huntington Bank

For a limited time, take advantage of this opportunity to earn a $100 bonus when you open a Huntington Bank Business Checking 100 account and complete qualifying activities. Here’s how it works:

  • Open a new Business Checking 100 account between July 1, 2022, and Nov. 7, 2022
  • Make cumulative new money deposits of at least $2,000 within 60 days of account opening
  • Keep your account open for a minimum of 90 days
  • Learn more here

Complete these qualifying activities and you should receive your $100 bonus in your account within 14 business days.

Moving forward, enjoy these great Business Checking 100 benefits:

  • 100 monthly transactions§
  • Deposit up to $5,000 in cash or currency monthly in-branch or at an ATM#
  • Free 120-day trial of a fraud tool: Reverse Positive Pay
  • No monthly maintenance fee
  • Open a new Business Checking 100 account between July 1, 2022, and Nov. 7, 2022>
  • Make cumulative new money deposits of at least $2,000 within 60 days of account opening
  • Keep your account open for a minimum of 90 days
  • Learn more here

Apply Now


7. Nearside Business Checking — Up to $40 Bonus

Nearside Temp Logo

Open a new Nearside Business Checking account to take advantage of a limited-time bonus opportunity: up to $40 back on your first deposit.

To earn the bonus, simply open your account using the link above and make your first deposit within one week of signing up. You’ll get 20% back on that deposit, up to a maximum of $40 back.

Funds are added to your account after your first deposit is posted. See terms for more information.

Learn More


8. PNC Bank Business Checking — $200 Cash Bonus

Pnc Bank Logo

Open an eligible new PNC Bank business checking account (Business Checking or Business Checking Plus) by Sept. 30, 2022, for the opportunity to earn a $200 cash bonus. Here’s how the bonus offer works:

  • Open an eligible account by Sept. 30, 2022.
  • Maintain an average cycle balance (account balance) of $5,000 or more for each of the first three statement cycles.
  • Complete at least 20 total qualifying debit card transactions within the first three statement cycles.

Once you’ve completed the qualifying activities, you’ll receive a $200 cash bonus in your account within 90 days.

See the respective application pages for Business Checking and Business Checking Plus for more details on avoiding the monthly maintenance fees.

Alternatively, open a new Treasury Enterprise Plan or Analysis Business Checking account by Dec. 31, 2022, for the opportunity to earn a $500 bonus. All you need to do is maintain a minimum average balance of $30,000 throughout the first three statement cycles, and you’ll receive your bonus.

These offers are available nationwide. Limit one offer per customer.

Apply Now


9. Chase Business Complete Banking (Chase Business Complete Checking) – $300 Bonus

This offer is no longer available.

Chase Bank Logo

A very attractive offer awaits Chase-curious entrepreneurs, including sole proprietors new to Chase Business Complete Banking: $300 for new Chase Business Complete Checking customers who open an account online or in-person and complete qualifying activities.

It’s not difficult to qualify for this opportunity. All you need to do is open a new Chase Business Complete Checking account with qualifying activities (described at the link above).

No minimum opening deposit is required. Once your Chase business checking account is open, you’ll have multiple ways to waive the $15 monthly service fee.

Chase has ATMs and branches in the following states: AZ, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, KY, LA, MA, MI, NV, NJ, NY, OH, OK, OR, TX, UT, WA, WV, WI. This offer is available online nationwide, except for residents of AK, HI, and Puerto Rico.


Final Word

Most of the banks mentioned here do not cater to small-business owners exclusively.

They also offer consumer accounts — in some cases, generous and expansive lineups that include free checking accounts, rewards checking accounts, CDs with above-average rates, money market accounts, and high-yield savings accounts that might just keep your emergency fund on pace with inflation.

Others offer cash-back credit cards, among other types of rewards-laden spending aids for individuals.

This matters. After all, every business owner is a person too — one with personal money management needs. That means every business owner needs a personal checking account, among other key personal banking relationships.

If you’d like that relationship to involve the same bank you choose for your business banking needs, perhaps one of these promotions will seal the deal.

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Brian Martucci writes about credit cards, banking, insurance, travel, and more. When he's not investigating time- and money-saving strategies for Money Crashers readers, you can find him exploring his favorite trails or sampling a new cuisine. Reach him on Twitter @Brian_Martucci.

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