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4 Best Small-Business Bank Account Promotions & Bonuses of September 2023


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 shortchange small-business owners. 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.

Best Small-Business Bank Account Promotions & Bonuses

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

However, small-business checking and savings accounts impose minimum balance requirements, monthly maintenance fees, and other requirements or restrictions that can impact their appeal. Always read the fine print before you apply.

Chase Business Complete Checking®

Our Rating
4.5/5

Earn a $300 cash bonus with qualifying deposits and transactions during the first 90 days
Bonus
$300
Good Through
October 19, 2023
Requirements
$2,000 in deposits in 30 days, five transactions in 90 days
Our Rating
4.5/5
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In a banking landscape often catering to personal account holders, Chase stands apart by recognizing the unique financial needs of small-business owners, solopreneurs, and freelancers. Chase doesn’t shortchange the entrepreneurial spirit; instead, it offers an opportunity tailored just for you with Chase Business Complete Checking.


To qualify for this special $300 bonus, here’s what you need to do:

  • Open a new Chase Business Complete Checking account online or in-person by October 19, 2023.
  • Deposit $2,000 in new money within 30 days of offer enrollment and maintain that balance for 60 days.
  • Complete at least five qualifying transactions within 90 days, including electronic deposits and debit card purchases.

  • After fulfilling these activities, the bonus will be credited to your account within 15 business days.
  • Chase’s reach includes numerous states, and the offer is available online nationwide, excluding residents of AK, HI, and Puerto Rico.
  • 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.
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  • Maintenance Fee: $15 each statement cycle unless you meet one of the waiver options below.
  • Waiver Option #1: Maintain a linked Chase Private Client account.
  • Waiver Option #2: Qualify for Chase Military Banking (open to active-duty, reserve, and veteran service members, including National Guard).
  • Waiver Option #3: Maintain a minimum daily balance of $2,000.
  • Waiver Option #4: Receive at least $2,000 in eligible deposits during the statement cycle.
  • Waiver Option #5: Spend at least $2,000 on Chase Ink Business credit cards during the corresponding statement cycle.
  • Minimum Opening Deposit: $0, but you must deposit at least $2,000 to qualify for the bonus.

U.S. Bank Business Checking — Up to $800 Bonus With Qualifying Activities

Our Rating
4.4/5

Earn up to $800 with a qualifying opening deposit and ongoing balance.
Bonus
Up to $800
Good Through
January 08, 2024
Requirements
At least $5,000 in new money deposits
Our Rating
4.4/5
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To earn up to $800 when you open a new U.S. Bank business checking account, choose from one of three eligible accounts and open it by January 08, 2024 using promo code Q3AFL23:

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

Then, complete the following qualifying activities to earn a $350 bonus:

  • Within 30 days of account opening, complete at least $5,000 in new money deposits and maintain the balance until the 60th day after account opening.

Or, complete the following qualifying activities to earn a $800 bonus:

  • Make a deposit of at least $25,000 in new money within 30 days of account opening and maintain the balance until the 60th day after account opening.

Subject to certain terms and limitations. Member FDIC.

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Silver Business Checking Package Monthly Fee
$0
Gold Business Checking Package Monthly Fee
$20, waived with an average daily collected balance of $10,000 or more.
Platinum Business Checking Package Monthly Fee
$30, waived with an average daily collected balance of $25,000.
Minimum Opening Deposit
$100, but at least $5,000 required to earn an account opening bonus.
Bank Disclosure
Deposit products offered by U.S. Bank National Association. Member FDIC.

Axos Bank Basic Business Checking — Up to $400 Cash Bonus

Our Rating
4.3/5

Earn a $400 cash bonus.
Bonus
Up to $400
Good Through
December 31, 2023
Requirements
Promo code only
Our Rating
4.3/5
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Opt for smarter business banking and not only will you take control of your company’s finances, but you’ll also get to enjoy a generous $400 welcome bonus! Just apply by December 31, 2023 and use the promo code NEW400 to claim your bonus. Make the smart move for your business today!

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Maintenance Fee
$0 — Axos Bank Basic Business Checking is a truly free business checking account.
Minimum Deposit
$0
Minimum Balance
$0

PNC Bank Business Checking — Up to $500 Cash Bonus

Our Rating
4.2/5

Earn a bonus worth $200 with a new qualifying Business Checking or Business Checking Plus account, or $500 with a new qualifying Treasury Enterprise Plan or Analysis Business Checking account.
Bonus
Up to $500
Good Through
June 30, 2023
Requirements
Qualifying deposits and/or transaction minimums
Our Rating
4.2/5
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Open an eligible new PNC Bank business checking account (Business Checking or Business Checking Plus) by June 30, 2023, for the opportunity to earn a cash bonus worth up to $500. Here’s how the bonus offer works:

  • Open an eligible account by June 30, 2023.
  • 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.

Alternatively, open a new Treasury Enterprise Plan or Analysis Business Checking account by June 30, 2023, 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.

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Maintenance Fee
At least $12, but may be waived with qualifying activities.
Minimum Opening Deposit
$100, but you must deposit at least $5,000 to earn a bonus.
Business Checking Fee & Waiver
$12, waived with a minimum daily balance of $500 or $500 in monthly transactions on a linked PNC business credit card.
Business Checking Plus Fee & Waiver
$22, waived with a minimum daily balance of $5,000 or $5,000 in monthly transactions on a linked PNC business credit card.
Treasury Enterprise Plan Fee & Waiver
$50, waived with a minimum daily balance of $30,000 across all eligible linked accounts.
Analysis Business Checking Account Fee & Waiver
$25, waiver requirements vary based on business earnings.
Restrictions
These offers are available nationwide. Limit one offer per customer.

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.

That 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 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.