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U.S. Bank
Business Checking Enhanced Offer
$500–$1,500
Best tier bonus
checking
business
Bonus Tiers
| Deposit / DD | Bonus |
|---|---|
| $5,000 Business Essentials (Q4BUS26) | $500 |
| $10,000 Gold (Q4BUS26) | $900 |
| $25,000 Platinum (Q4BUS26) | $1,500 |
Requirements
Trigger
Minimum Balance
Use promo code Q4BUS26. Deposit new money within 30 days, maintain the required daily balance through day 60, complete 6 qualifying transactions within 60 days, and enroll in U.S. Bank Business Online Banking within 30 days. No direct deposit required.
Hold Period
60 days
Monthly Fee
$30/mo
Business Essentials has no monthly maintenance fee with paperless statements. Gold is $20/mo (waived for new non-interest-bearing Gold accounts opened on or after February 12, 2026); Platinum is $30/mo, waived with a $25,000 average collected checking balance or another qualifying relationship.
Credit Pull
Soft pull
ChexSystems
Mixed
Expires
January 13, 2027
Notes
- [Source: DoC and U.S. Bank public Q4 terms, checked 2026-10-11] DoC reports enhanced promo code Q4BUS26 pays $500 with $5,000, $900 with $10,000, or $1,500 with $25,000 through January 13, 2027. The enhanced code has no public general-audience terms page, so confirm it in the application.
- The fully documented public Q4DIG26 alternative pays $400 with $5,000 or $1,200 with $25,000 through January 13, 2027.
- Deposit the required new money within 30 days, maintain that daily balance through day 60, and complete 6 qualifying transactions within 60 days. Direct deposit is not required.
- Existing businesses with a U.S. Bank business checking account, or one closed within the past 12 months, are not eligible. Limit one bonus per business.
- Bonus is deposited within 30 days after the month-end in which all requirements are met, provided the account remains open with a positive available balance.