U.S. Bank Business Checking Bonus: $400 to $1,500 Through Sept 2026

U.S. Bank extended its business checking bonus offers through September 2026. The top tier pays $1,500 for a $25,000 deposit and six transactions within 90 days. The promo code is Q3BUS26.

The $1,200 tier requires $10,000 and six transactions. For $900, the deposit drops to $5,000. The $400 tier, the lowest, asks for $2,000. None of the accounts carry an early termination fee.

The offers have shifted several times since late 2025. The $1,500 tier first appeared in November through a State Farm-branded link. The $1,200 tier was raised from $1,000 in October. The $400 tier replaced a $300 offer with identical requirements, making it a better deal for customers who can meet the $2,000 minimum.

The old $800 bonus required a silver account, which was easier to keep fee-free. That made it more valuable despite the lower cash amount. The current $400 tier uses the same basic account as the old $300 offer, so the increase is a net positive. The churn period is 12 months, shorter than many competitors.

For someone who can maintain the $2,000 balance and make six transactions, the $400 bonus is worth the effort. The $1,500 tier is among the highest in the industry for business checking. The absence of an early termination fee reduces the risk if the account is closed after collecting the bonus.

Qualifying transactions typically include debit card purchases, ACH credits, or online bill payments. The exact definition is on U.S. Bank's website. The promo code must be entered during the application process.

The $1,500 offer runs through September 27, 2026. The lower tiers may have different end dates. Customers should verify the terms on U.S. Bank's website before applying.