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11 Best Business Bank Account Promotions & Offers – September 2021

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 (September 2021)

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

Chase Bank LogoA 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. This offer is valid through Oct. 21, 2021.

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.

Apply Now


2. Axos Bank Basic Business Checking — $100 Cash Bonus

Axos Bank LogoOpen a new Axos Bank Basic Business Checking account by the offer end date using the promo code “EARN100” to earn a $100 welcome bonus. Here’s how it works:

  • Apply for your new Axos Bank Basic Business Checking account by the offer end date with a minimum opening deposit of $1,000.
  • Maintain an average daily balance of at least $5,000 during the first three months (new funds only).
  • 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


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

Brex LogoOpen 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.


4. NorthOne Business Banking (NorthOne Deposit Account)

Northone Logo 11 2 20

Open a new NorthOne Business Banking account (NorthOne deposit account) to take advantage of a limited-time bonus opportunity available exclusively to Money Crashers readers: one month of free business banking.

That’s a $10 value — NorthOne’s customary monthly maintenance fee for business banking customers. To get the bonus, simply open your account using the link above or below.

This offer expires April 26, 2022. It’s valid only for new customers who haven’t been approved for a NorthOne deposit account in the past 48 months. The account maintenance fee waiver doesn’t apply to other fees NorthOne may charge, such as overdraft, insufficient funds fees, and wire transfer fees.

Learn More


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

Huntington BankOpen a new Huntington National Bank Unlimited Plus Business Checking account by Nov. 7, 2021, for the opportunity to earn $750 in bonus cash. Here’s how the promotion works:

  • Open your new account by Nov. 7, 2021.
  • Deposit at least $20,000 in new money within 60 days of account opening.
  • Keep your account open for at least 90 days.

Once you’ve completed these requirements, you should receive the $750 bonus in your account within 14 days.

Moving forward, the $40 monthly maintenance fee is waived for the duration of 2020 and thereafter when you maintain at least $50,000 in combined deposit relationship balances across all eligible Huntington accounts.

“New money” is defined as any funds not currently deposited in any Huntington account, except maturing business CDs.

This offer is available in states where Huntington has physical branch locations, including IL, IN, KY, MI, OH, PA, and WV.

Apply Now


6. Huntington Unlimited Business Checking — $400 Bonus Cash

Huntington BankOpen a new Huntington National Bank Unlimited Business Checking account by Nov. 7, 2021, and you could earn $400 in bonus cash. Here’s how to take advantage of this opportunity:

  • Open your new account by Nov. 7, 2021.
  • Deposit at least $5,000 in new money within 60 days of account opening.
  • Keep your account open for at least 90 days.

You’ll receive the $400 bonus in your account within 14 days after completing these requirements.

Once your account is open, you’ll have the $20 monthly maintenance fee waived for the duration of 2020.

After that, maintain a combined deposit relationship balance (across all eligible accounts held with Huntington) of at least $20,000 to maintain the waiver in any given statement cycle.

Bonus-qualifying funds must not currently be on deposit with Huntington, save for, maturing business CDs.

This offer is available in states where Huntington Bank has physical branch locations, including IL, IN, KY, MI, OH, PA, and WV.

Apply Now


7. Huntington Business Checking 100 — $200 Bonus Cash

Huntington BankOpen a new Huntington National Bank Business Checking 100 account by Nov. 7, 2021, for the opportunity to earn $200 in bonus cash. Here’s how this bonus opportunity works:

  • Open your new account by Nov. 7, 2021.
  • Deposit at least $5,000 in new money within 60 days of account opening.
  • Keep your account open for at least 90 days.

You should receive the $200 bonus in your account within 14 days after completing the requirements.

This account has a $3 monthly maintenance fee that’s easy to waive by signing up for e-statements. “New money” is defined as any funds not currently deposited in any Huntington account, other than maturing business CDs.

This offer is available in states where Huntington has physical branch locations, including IL, IN, KY, MI, OH, PA, and WV.

Apply Now


8. Bank of America Business Advantage Checking — Up to $750 Cash Bonus

Bofa New Logo 7 22 20Open a qualifying Bank of America Business Advantage Checking account by Sept. 30, 2021, for an opportunity to earn a cash bonus of up to $750 plus a one-year trial of Bank of America’s Preferred Rewards loyalty program.

Here’s how this two-tiered bonus offer works:

  • Open a qualifying new Bank of America business checking account by Sept. 30, 2021.
  • Make a qualifying new money deposit within 15 days of opening your account, meaning funds not previously held in any Bank of America or Merrill Lynch account.
  • Maintain that minimum average balance for the following 60 days (between Day 16 and Day 75).

Once you complete these qualifying activities, you should receive your cash bonus within 60 days.

This offer’s bonus tiers are as follows:

  • $500: Deposit at least $20,000 in qualifying new money during the qualification period.
  • $750: Deposit at least $50,000 in qualifying new money during the qualification period.

Eligible accounts include Business Advantage Fundamentals™ Banking and Business Advantage Relationship Banking. See terms for complete offer details.

Learn More


9. PNC Bank Business Checking — Up to $500 Cash Bonus

Pnc Bank LogoOpen an eligible new PNC Bank business checking account (Business Checking or Business Checking Plus) by Sept. 30, 2021, for the opportunity to earn a $200 cash bonus. Here’s how the bonus offer works:

  • Open an eligible account by Sept. 30, 2021.
  • 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 Sept. 30, 2021, 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


10. SunTrust Business Checking — $200 Bonus Cash

Suntrust LogoOpen an eligible new SunTrust business checking account (Simple Business Checking, Primary Business Checking, or Business Advantage Plus) by Sept. 30, 2021, for the opportunity to earn $200 bonus cash.

Here’s how the offer works:

  • Open your eligible new account by Sept. 30, 2021.
  • Enroll in the offer at application.
  • Make cumulative qualifying deposits of $1,500 or more within 30 days of opening the account.

Once you’ve completed these activities, including the deposit requirement, you’ll receive your reward within eight weeks.

Moving forward, all eligible accounts waive monthly maintenance fees for the first two statement cycles. Refer to the offer page for information about avoiding each account’s monthly maintenance fees thereafter.

This offer is available in states where SunTrust has a physical branch presence and is limited to new customers only. Limit one offer per customer.

Apply Now


11. HSBC Fusion — Up to $500 Bonus

For a limited time, you can earn a welcome offer worth up to $400 when you open a new HSBC Fusion business bank account and complete qualifying activities.

Here’s what you need to do:

  • Open a new eligible HSBC Fusion checking account by Sept. 30, 2021
  • Make at least the minimum qualifying deposit of new money for the account you opened ($5,000 for the Fusion First Checking Account, $25,000 for the Fusion Smart Checking Account, and $75,000 for the Fusion Professional Checking Account)
  • Complete at least 10 qualifying transactions within 90 calendar days of account opening, such as debit card purchases, check deposits or payments, and ACH debits and credits
  • Maintain at least the minimum qualifying balance for 90 calendar days from your initial deposit date

Once you complete these qualifying activities, you’ll earn the bonus that corresponds with your account selection: $300 for Fusion First, $400 for Fusion Smart, or $500 for Fusion Professional.

HSBC Fusion serves U.S.-based businesses with up to $5 million in annual sales. This offer is only available in-branch.

Learn More


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.

Brian Martucci
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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