Business checking accounts pay the biggest sign-up bonuses in banking — $300 to $1,500 — and you do not need an LLC or an EIN. Any side income makes you a sole proprietor, so you can open most of these with just your SSN. Ranked by effective APY — the top one runs about 120% annualized. Catalog last updated October 6, 2026.
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Effective APY annualizes a one-time bonus over the days you hold the cash, so a $400-on-$2k-for-90-days beats a $400-on-$5k-for-90-days. Tiered offers are ranked by their entry tier — a bigger advertised bonus needs far more cash and pays a lower rate (Wells Fargo's $825-for-$25k tier yields roughly 17% vs. about 83% on its $400-for-$2.5k entry). Always confirm the offer is live, net out any monthly fee, and check state eligibility before you apply.
Business bonuses in specific states
38 live offers from regional banks and credit unions
Regional banks run some of the best business offers on this page, they are just limited to where the bank operates. Filter by your state to see the ones you can open.
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Wait — how is a bank bonus 20%+ APY?
The mental model that makes ranking these straightforward
A bonus is a one-time payout, but you can measure it like a yield. Put $2,000 into a Chase business checking account, hold it about 90 days, collect a $400 bonus, and that is a 20% return in three months — roughly 73% annualized on FDIC-insured cash. No single account pays that forever, but rotating the same money from one bonus to the next blends out north of 20% for the year — about 4 to 5 times a normal high-yield savings account.
The hard part is not finding the bonuses — it is the order. Your cash can only be in one place at a time, every bank has a different hold and cooldown, and a missed maintenance date forfeits the whole bonus. Stacks OS sequences them for your cash and state and tracks every deadline.
Stop tracking bonuses in a spreadsheet
Stacks OS builds a personalized sequence based on your paycheck, tracks every bonus you've done, and tells you exactly what to do next. 56 bonuses, one dashboard.