Fulton Bank doubled its business checking bonus to $500 through year-end. The $3,000 deposit requirement and 24-month anti-churn rule make it a straightforward play for mid-Atlantic small-business owners.
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Fulton Bank brought back its business checking bonus and doubled the payout. The offer, which resurfaced July 19, now pays $500 for a $3,000 deposit, up from the $225 version that ran earlier this year. Hat tip to reader Physicist for the first notice.
There are no monthly service fees on the business checking account. The bank also does not advertise an early termination penalty. The fine print bars anyone who received a bonus in the last 24 months from qualifying – anti-churn language that was absent in previous cycles, according to a reader who flagged the change.
The bonus is available through Dec. 31, 2026, in Fulton's footprint: Delaware, Maryland, New Jersey, Pennsylvania, Virginia, and Washington, D.C. That covers most of the mid-Atlantic, where Fulton Financial operates roughly 200 branches.
A $500 bonus on a $3,000 deposit works out to a 16.7% effective return for a few months of parked cash. That is well above the yields on most business savings accounts and likely to attract small-business owners in the region. The 24-month waiting period between bonuses is standard among regional banks that run similar promotions.
Fulton's move follows a pattern seen across smaller lenders: offer a chunky upfront cash incentive to gather low-cost deposits while the Fed keeps short-term rates near current levels. The same strategy has been used by KeyBank, PNC, and others in recent quarters.
The offer expires Dec. 31. No renewal has been announced.
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