Offer at a glance
- Maximum bonus amount: $200
- Availability: Nationwide (excludes NY & FL and any other state without a branch unless you have an existing relationship)
- Direct deposit required: None
- Additional requirements: See below
- Hard/soft pull: Soft pull
- ChexSystems: Mixed data points
- Credit card funding: Can fund up to $3,000 with a credit card
- Monthly fees: $5, avoidable
- Early account termination fee: None
- Household limit: None
- Expiration date: January 14, 2026
Contents
The Offer
- U.S. Bank is offering a $200 bonus when you open a new business savings account and complete the following requirements:
- Use promo code Q4SAV25
- Deposit at least $10,000 in new money within 30 days.
- Maintain at least $10,000 balance for 60 days after account opening
The Fine Print
- Promo code Q4SAV25 MUST be used when opening a U.S. Bank Basic Business Savings account. Limit of one bonus per business. A $100 minimum deposit is required to open the referenced account.
- Earn your $200 Business Savings bonus by opening a new U.S. Bank Basic Business Savings account between 10/01/2025 and 1/14/2026. You must make deposit(s) of at least $10,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $10,000 until the 60th day after account opening. The interest rates and APYs for the U.S. Bank Basic Business Savings account are variable, determined at the bank’s discretion, and can change at any time.
- New money is considered money that is new to U.S. Bank. Funds must come from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information Document for a list of fees.
- Bonus will be deposited into your new eligible U.S. Bank Basic Business Savings account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.
- Offer may not be combined with any other business savings account bonus offer.
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
Monthly Fees
$5 monthly maintenance fee can be waived when you maintain a $500 daily balance
Early Account Termination Fee
I wasn’t able to find
Our Verdict
This account earns 0.05% APY. There is currently a $1,200 business checking bonus as well.
Hat tip to reader Bertha
Useful posts regarding bank bonuses:
- A Beginners Guide To Bank Account Bonuses
- Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
- PSA: Don’t Call The Bank
- Introduction To ChexSystems
- Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
- What Banks & Credit Unions Do/Don’t Pull ChexSystems?
- How To Use Our Direct Deposit Page For Bank Bonuses Page
- Common Bank Bonus Misconceptions + Why You Should Give Them A Go
- How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
- Affiliate Links & Bank Bonuses – We Won’t Be Using Them
- Complete List Of Ways To Close Bank Accounts At Each Bank
- Banks That Allow/Don’t Allow Out Of State Checking Applications
- Bank Bonus Posting Times
