U.S. Bank
Business checkingVerified Oct 9, 2026
U.S. Bank Business Essentials: $400 bonus
Deposit $5,000 in new money within 30 days of opening.
- New money
- $5,000 in 30 days
- Cash to keep
- $5,000 for 60 days
- Monthly fee
- $0
- Apply by
- Jan 13, 2027
Bonus
$400
Apply by Jan 13, 2027
Offer code
Q4DIG26Enter it when you apply.
Read the bank's terms · Offer terms can change. Confirm current eligibility and terms with the bank before applying.
Your fit
Add your state, direct deposit and cash to check this offer's conditions against your situation.
- 1 thing to check: Your history with U.S. Bank
This checks the published conditions only. The bank decides who is approved.
Steps to earn
Complete all 4 steps for $400
Opening deposit
Open with at least $25.
- $25
New money
Deposit $5,000 in new money within 30 days of opening.
- $5,000
- Within 30 days of opening
Keep a balance
Maintain a $5,000 daily balance through day 60.
- $5,000
- Keep it for 60 days
Account activity
Complete six qualifying transactions within 60 days of opening.
- 6 times
- Within 60 days of opening
Timeline
Add a date to put the deadlines on a calendar. Only steps timed from opening get a date.
Apply by Jan 13, 2027
Open the account with $25
New money
Day 30 after opening
Deposit $5,000 in new money within 30 days of opening.
Keep a balance
Maintain a $5,000 daily balance through day 60.
Account activity
Day 60 after opening
Complete six qualifying transactions within 60 days of opening.
Bonus paid
Within 30 days after the month-end in which all conditions are met, while the account remains open with a positive balance.
Money and fees
- Bonus
- $400
- Monthly fees
- No monthly fee
- Bonus after fees, before tax
- $400
Cash to keep in the account
$5,000 for 60 days
Is moving the money worth it?
Enter the APY that money earns where it is now. We'll subtract the interest you'd give up.
After the bonus
- Account type
- Business checking
- Monthly fee
- $0
- APY
- Not stated in the terms we reviewed
- Early closure fee
- Not stated in the terms we reviewed
- How to open
- Online
Eligibility
Where it's offered
The bank's terms don't list states. Check availability on the bank's site before applying.
Who can get it
New customers only. If you've had an account with U.S. Bank, check the look-back period in the terms.
Open with promo code Q4DIG26, which is applied by the provider link. Businesses with an existing U.S. Bank business checking account or one closed in the past 12 months do not qualify.
Terms and sources
Checked against usbank.com on Oct 9, 2026. Next check by Oct 23, 2026.
- usbank.com/business-banking/banking-products/business-bank-accounts/business-checking-account.htmlCaptured Oct 9, 2026
Offer terms can change. Confirm current eligibility and terms with the bank before applying.