U.S. Bank $400–$1,200 Business Checking Bonus (2026) - Review & Requirements

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• Deposit window: 30 days
• Keep at least $25,000 in the account every single day, never dipping below
• Bonus tiers
  • $400 with $5,000 in new money held 60 days
  • $1,200 with $25,000 never dipping below for 60 days
• Enter promo code Q3DIG26 when you apply
• Make 6 debit card transactions

• Availability: Nationwide
• Lifetime limit: one bonus per customer
• ChexSystems sensitivity: Low
• Credit pull: soft pull only

• Monthly fee: $30/mo — Platinum is "$30 or $0 monthly maintenance fee when you meet requirements". U.S. Bank waives it for U.S. Bank Payment Solutions, a $25,000 average collected checking balance, or $75,000 combined average collected business deposits and outstanding business credit balances. The $25,000 this bonus already asks you to hold is the same $25,000 that waives the fee. The $400 rung runs on Business Essentials instead, which has no monthly maintenance fee at all.
• No early-closure rule listed

• Bonus posts: ~120 days
• Account hold: Must keep open 180 days
• Holding period: 60 days

Enter promo code Q3DIG26 during application. Open a U.S. Bank Platinum Business Checking Package by September 27, 2026; promo code Q3DIG26 is applied automatically. Deposit at least $25,000 in new money within 30 days of opening, keep at least a $25,000 balance for 60 days after opening, and complete six qualifying transactions within 60 days. EVERY DAY, NOT AN AVERAGE. The $25,000 has to be there on each of those 60 days. There is no averaging in this requirement, so a month at $40,000 does not buy you a week at $20,000, and one dip below the line is a day you did not hold. Fund with room to spare and leave it alone. Qualifying transactions are debit card purchases, ACH and wire credits or debits, Zelle credits and debits, bill pay for business excluding payments made by credit card, and payments received through U.S. Bank Payment Solutions. Person to person payments, credit card transfers including bill payments to U.S. Bank credit cards, and transfers between U.S. Bank accounts do not count. ABOUT THAT $30 MONTHLY FEE, WHICH YOU PROBABLY WILL NOT PAY: Platinum lists a $30 monthly maintenance fee, and U.S. Bank waives it for any one of U.S. Bank Payment Solutions, a $25,000 average collected checking balance, or $75,000 in combined average collected business deposits and outstanding business credit balances. The middle one is the same $25,000 this bonus already requires you to hold, so the work you are doing to earn the bonus is the same work that waives the fee. The one month to watch is your first: you get 30 days to fund the account, and U.S. Bank says balances are verified the day before your statement cycle ends, so if the money lands late you can be charged once before the waiver takes hold. Fund early and even that goes away. IF $25,000 IS MORE CAPITAL THAN YOU WANT TO PARK, the same promo code pays $400 for $5,000 held on the same schedule on U.S. Bank Business Essentials, and Business Essentials has no monthly maintenance fee at all, so that path costs nothing to keep open. The amount you are paid depends on which rung you complete: $400 with $5,000 in new money held 60 days; $1,200 with $25,000 never dipping below for 60 days. Allow approximately 120 days for the bonus to post after qualification. Keep the account open for at least 180 days.

Platinum is "$30 or $0 monthly maintenance fee when you meet requirements". U.S. Bank waives it for U.S. Bank Payment Solutions, a $25,000 average collected checking balance, or $75,000 combined average collected business deposits and outstanding business credit balances. The $25,000 this bonus already asks you to hold is the same $25,000 that waives the fee. The $400 rung runs on Business Essentials instead, which has no monthly maintenance fee at all.

Standard business verification.

Business checking. Promo code Q3DIG26. Expires September 27, 2026. New business checking customers only. Two accounts qualify and they are not priced the same: $1,200 needs the Platinum Business Checking Package and $25,000 held, and $400 needs U.S. Bank Business Essentials and $5,000 held. Business Essentials has no monthly maintenance fee. Platinum lists $30 a month but waives it at a $25,000 average collected checking balance, which is the same money the bonus asks you to hold.

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