(Negative Blow) Gargantuan $1200 US Bank Business Checking Account Bonus

US Bank Business Checking Bonus

There is a best ever US Bank business checking bonus that is worth up to $1200. This is instantly one of (maybe the) best checking account bonus out there. If you can’t make the larger deposit work for the $1200 offer, there is a more obtainable offer available too. Update 7/11/26: This US Bank business checking bonus offer is back, but there has been a negative change to the funding with a credit card portion down below.

The Offer

In order to earn the bonus you need to open a new U.S. Bank Business Checking account with promo code Q3DIG26, and:

• Deposit new money within 30 days of account opening and maintain your balance for 60 days after the account opening. Your bonus is determined by the total amount of your deposits:
  • Earn $400 when you deposit $5,000 in a new Silver Business Checking Account.
  • Earn $1,200 when you deposit $25,000 in a new Platinum Business Checking Account
  • **There seems to be a $1,500 offer available with code Q3BUS26 too.
    • Valid until 9/27/26.
    • This isn’t a public offer so there may be some risk using it (HT DoC)
• Complete 5 qualifying transactions (debit purchases, ACHs, Zelle debit and credits etc.) within 60 days of account opening.

I like that they give you two options to earn a bonus here. It opens the business checking account bonus up to more people.

Key Terms

Here are the key terms for the US Bank business checking bonus offer:

• Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes.
• Offer is not valid if you or any signer on the new business checking account have an existing U.S. Bank Business Checking account or had a U.S. Bank Business Checking account in the last 12 months.
• Silver Business Checking has no monthly fees. Platinum Business Checking has $30 monthly fee that is waived with $25,000 balance.
• Offer valid through September 27th, 2026.

US Bank Business Checking Bonus Offer

Credit Card Funding

When opening the account you can do the initial deposit with a credit card, for up to $3000. Just be sure to set your credit card cash advance limits to like $100 to be safe, but this normally codes as a regular purchase.

Update 7/11/26: You can still fund with an American Express credit card, but it will not earn points and does not count towards any spending bonuses on the card. This is a big blow to people that used this option to hit some of the bigger minimum spends with Amex.

US Bank Business Checking Bonus: Final Thoughts

This is an easy bonus for a bank account, but you need to deposit either $5,000 for a $400 bonus, or $25,000 for a $1,200 bonus. Considering that you only need to maintain that balance for about 30 days, this is still a very good return for your money. That is true even with the increased requirements.

Remember to also complete 5 transactions in the account. That should be fairly easy to do with debit purchases and Zelle being eligible.

The bonus should be available for most readers, but you may need to be in a state (or near a state) that has US Bank branches. If you’re not, you could still be able to open the account if you have an existing relationship such as a US Bank credit card.