Most of the best bank account promotions on the market right now cater exclusively to consumers. Indeed, many of the United States’ best online banks seem to favor personal account holders rather than business owners.
But not all banks shortchange small-business owners. If you’re a small-business owner, solopreneur, or freelancer, you just need to know where to look to find potentially lucrative credit union and bank account bonuses and referral opportunities.
Best Small-Business Bank Account Promotions & Bonuses
These are the best small-business bank promotions this month. Unless otherwise noted, all are available to businesses of all sizes, including sole proprietors and freelancers without formal incorporation. All are FDIC-insured as well.
However, small-business checking and savings accounts impose minimum balance requirements, monthly maintenance fees, and other requirements or restrictions that can impact their appeal. Always read the fine print before you apply.
PNC Bank Business Checking — Up to $500 Cash Bonus
Earn a bonus worth $200 with a new qualifying Business Checking or Business Checking Plus account, or $500 with a new qualifying Treasury Enterprise Plan or Analysis Business Checking account.
Good Through
December 31, 2023
Requirements
Qualifying deposits and/or transaction minimums
Final Word
Most of the banks mentioned here do not cater to small-business owners exclusively.
They also offer consumer accounts — in some cases, generous and expansive lineups that include free checking accounts, rewards checking accounts, CDs with above-average rates, money market accounts, and high-yield savings accounts that might just keep your emergency fund on pace with inflation.
Others offer cash-back credit cards, among other types of rewards-laden spending aids for individuals.
That matters. After all, every business owner is a person too — one with personal money management needs. That means every business owner needs a personal checking account, among other key personal banking relationships.
If you’d like that relationship to involve the same bank you choose for your business banking needs, perhaps one of these promotions will seal the deal.