Business checking
U.S. Bank Business Essentials®
Verified Oct 19, 2026 · checked Oct 21, 2026 · offer expires Jan 13, 2027 · available nationwide
Bonus
$400- • Deposit $5,000 of new money within 30 days — New money = funds from outside U.S. Bank; promo code Q4AFL26; Business Essentials account.
- • Maintain a $5,000 balance through day 60 — Maintain the required daily balance through the 60th day after account opening.
- • Complete 6 qualifying transactions within 60 days — Debit card purchases, ACH and wire credits or debits, Zelle credits or debits, mobile check deposit, electronic or paper check debits, bill pay for business, payment received via U.S. Bank Payment Solutions. Excludes P2P, credit card transfers, transfers between U.S. Bank accounts.
Other amounts for this account
- $1,200 bonus — Deposit $25,000 of new money within 30 days
One account opening earns one amount — the one you qualify for.
Fine print that matters
• No bonus if you closed an account here in the past 12 months.
• Not eligible while you hold an open account of this type.
• $0/mo fee — waivable (Business Essentials: $0 monthly maintenance fee. Platinum Business Checking Package (the $1,200 tier account): $30/mo, waived with U.S. Bank Payment Solutions, $25,000 average collected checking balance, or $75,000 combined average collected business deposits and outstanding business credit balances. $25 minimum deposit to open either account.).
• Plan on holding at least 180 days before closing.