7 Best Business Bank Promotions 2026: High Bonuses & Low Requirements

To build this list of the best banks for ecommerce businesses, I focused on financial institutions and fintech platforms that offer the tools online sellers need to manage revenue, expenses, and business growth efficiently. My goal was to identify providers that deliver the best combination of affordability, digital functionality, ecommerce compatibility, and scalability for businesses selling products online.

Each provider was evaluated using consistent criteria that reflect how ecommerce business owners compare banking options, including the following categories:

Fees and overall value: I compared monthly maintenance fees, minimum balance requirements, transaction limits, and other account costs to determine overall affordability and long-term value.

Ecommerce integrations and compatibility: I evaluated each provider’s ability to connect with popular ecommerce platforms, payment processors, accounting software, and business tools used by online sellers.

Core banking features: I reviewed essential capabilities such as business checking accounts, APYs, cash management tools, debit cards, wire transfers, and payment services that support day-to-day operations.

Ease of use: I considered account setup, online and mobile banking experience, automation features, and how intuitive each platform is for managing business finances.

Scalability and business support: I assessed features that help businesses grow, including multiple accounts or subaccounts, team access controls, expense management tools, and access to financing when available.

Customer support: I looked at service channels, responsiveness, and the level of support available to business owners across different account tiers.

When available, I explored provider websites, product demos, and account features to better understand the user experience and how effectively each option supports the unique needs of ecommerce businesses.

Referral program terms & conditions

The Grasshopper Bank Referral Program (“Program”) allows existing Grasshopper Bank clients (“Referrers”) to earn rewards by referring new businesses (“Referred Clients”) to open eligible Grasshopper Bank accounts. Participation in this Program constitutes acceptance of these Terms and Conditions.

1. Eligibility requirements

Referrer (Current client):

1. Must have an active Grasshopper Bank account at the time of referral.
2. Must be in good standing with no violations of Grasshopper Bank’s terms and policies, meaning: No NSF (non-sufficient funds) items during the preceding twelve calendar months. Grasshopper Bank reserves the right to modify the description of “good standing” at any time.

Referred business:

1. The referred business must be a new client to Grasshopper Bank.
2. The referred business must not have any prior Grasshopper Bank accounts (personal or business).
3. The referred business must not be a sole proprietor. Sole proprietors are ineligible for the referral program.

2. Program overview

The Program allows current Grasshopper Bank clients to earn rewards for referring new businesses to open a Grasshopper Bank account.

• Referrer Reward: The referrer will receive a $200 bonus if the referred business has a minimum balance of $2,000 on their 90th day of account opening.
• Referred Business Reward: The referred business must have a balance of $2,000 on the 90th day of account opening to receive the $200 bonus.

3. Program limitations

1. A referrer may earn a maximum of $2,400 in referral bonuses per calendar year. This equals up to 12 successful referrals.
2. Referrers and referred businesses are limited to one bonus per referred business.

4. Referral process

1. Referrals must be made using the referrer’s unique promo code provided by the referrer.
2. The referral must be submitted before the referred business opens their account.
3. The reward will be credited directly to both parties’ Grasshopper Bank accounts.

5. Ineligibility

Referrers and referred businesses are ineligible for bonuses if the referred business does not meet the minimum balance requirement on the 90th day or if their account is closed, suspended, or does not remain in good standing during the 90-day qualification period. Self-referrals or referrals of businesses with common ownership as the referrer are not allowed.

This Mercury Referred Customer Agreement (“Terms”) governs your participation in Mercury Technologies, Inc.’s (“Mercury”) referral program as a referred customer. By using a referral link to open a Mercury account or claiming a referral bonus, you agree to these Terms. Capitalized terms used in these Terms but not defined herein have the meanings given in the Mercury Terms of Use.

1. Referral program overview

Mercury’s referral program allows existing customers, approved partners, and Mercury itself to refer new customers to Mercury’s platform. These Terms are entered into solely between you and Mercury. Mercury is a fintech and not a bank. Banking services are provided through Choice Financial Group and Column N.A., Members FDIC (the “Banking Providers”) to provide banking services.

Some referral partners and customer referrers receive monetary compensation for successful referrals. This compensation may influence their recommendations of Mercury’s Services.

2. Banking provider relationship and account opening

While Mercury facilitates the referral program and customer onboarding, Banking Providers set the approval requirements and maintain oversight authority over the banking programs. Bank Service Providers can modify approval criteria at any time, and they have ultimate discretion to approve or deny account applications based on their criteria, compliance requirements, and risk assessment.

Account opening is subject to Banking Providers’ terms of service, privacy policies, and all other applicable agreements, policies, and procedures, which are separate from these referral Terms. By participating in the referral program, you signify that you have read and agree to all applicable agreements of the Banking Providers.

3. Eligibility requirements

3.1. To qualify for referral bonuses, you must:

• Use the designated referral link provided by your referrer to access Mercury’s signup page;
• Be a new customer with no prior Mercury Account or relationship with Mercury;
• Meet all specified thresholds for balances or transactions as displayed on your referral landing page during the first 90 days of your Account opening (the “Eligibility Period”); and
• Maintain an Account in good standing throughout the Eligibility Period and through the time referral bonuses are calculated and paid.

3.2. Referral bonuses do NOT apply if you:

• Sign up through Mercury’s general website without using a referral link;
• Have previously registered with Mercury; or
• Engage in self-referrals, fraudulent activity, or restricted activities under Section 6

4. Referral link requirements

4.1. Exclusive use:

Each referral is tied to the specific link you used to sign up. You cannot:

• Claim bonuses from multiple referral links.
• Switch to a different referral link after initial signup; or
• Claim a higher bonus by using a different link after Account creation.

4.2. One Referral Per Customer:

You are limited to one referral bonus per person, beneficial owner, or business entity, regardless of how many referral links you may have received.

5. Bonus qualification thresholds

5.1. All referral bonuses require that you keep your Account open and in good standing from the time your Account is approved through the date referral bonuses are paid. An Account in good standing means your Account is open, active, compliant with both Mercury and Banking Provider requirements, and not subject to any restrictions, holds, suspensions, or closure proceedings.

5.2. Additional requirements may be displayed on your referral landing page. You must meet these requirements to be eligible for referral bonuses. They may include:

• Balance Threshold: You may satisfy the balance threshold if, during the Eligibility Period, you maintain a balance above the balance threshold listed on your referral landing page for at least one Full Calendar Day during the Eligibility Period.
• Transaction Volume Threshold: You may satisfy the transaction threshold if you receive a Mercury Debit Card or IO Card, and spend an amount equal to or above the limit listed on your referral landing page during the Eligibility Period. Only settled and undisputed transactions will count toward these thresholds.

6. Restrictions

6.1. Mercury reserves the right to disqualify referrals and withhold bonuses, including but not limited to the following circumstances:

• Self-referrals or referring entities you own, control, or have a financial interest in, unless permitted under the terms of the promotion.
• Fraudulent applications, false information, or misrepresentation of business activities
• Accounts not intended for genuine use or created solely to obtain referral bonuses
• Gaming the system, circumventing program requirements, or exploiting technical vulnerabilities
• Multiple applications using different referral links or attempting to claim multiple bonuses
• Accounts that are closed, suspended, or not in good standing at the time of bonus calculation

6.2. Error correction: Mercury may withhold referral payments if it believes you received a referral bonus in error.

6.3. Payment schedule: Referral bonuses may only be paid after you meet all qualification requirements during the Eligibility Period and your Account remains in good standing.

6.4. Verification process: Mercury may verify your eligibility, business legitimacy, and compliance with program requirements before paying bonuses.

6.5. Discretionary nature of bonuses: Notwithstanding anything to the contrary, referral bonuses are not guaranteed and are subject to Mercury’s sole discretion.

7. Program changes and termination

7.1. Modifications: Mercury may modify these Terms, bonus amounts, eligibility requirements, or program structure at any time in its sole discretion by posting updates to this page. It is your responsibility to check back periodically for changes.

7.2. Program Suspension: Mercury may suspend or terminate the referral program at any time in its sole discretion with or without notice.

7.3. Individual Termination: Mercury may exclude you from the program for violations of these Terms or at its sole discretion.

8. Compliance and monitoring

8.1. Mercury reserves the right to:

• Monitor referral activity and investigate suspicious patterns or potential violations
• Request verification of your business operations for commercial customers, referral source, and program compliance
• Audit transactions and Account activity to ensure program integrity

9. Taxes

The value of any bonuses you receive may result in miscellaneous income received from Mercury. We may be required by applicable law to send you, and file with the IRS, a Form 1099-MISC or Form 1042-S, or other applicable form for the year in which you have been awarded Bonuses. You are responsible for any tax liability related to participating in the offer. Please consult your tax advisor if you have any questions about how this could affect your taxes.

10. Definitions

“Bonus” means financial rewards that may be earned in accordance with these Terms.

“Eligibility Period” means the ninety (90) day period beginning when you are first approved for an Account at Mercury unless the applicable promotion contains a different eligibility period.

“Full Calendar Day” means a complete twenty-four (24) hour period from 12:00 AM to 11:59 PM Eastern Time.

11. Contact Information

Questions about the referral program should be directed to [email protected].

To be eligible to earn all or a portion of the $200 cash incentive under this promotional offer, a Basic Business Checking account application with the promotional code “START200” must be submitted between 01/30/2025 at 12:00 am PT and 6/30/2026 at 11:59 pm PT.

You must be approved for your new Basic Business Checking account and fund the account within 60 days to avoid automatic closure. Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC or 1099-INT. Consult your tax advisor. After the initial requirements above are met, the amount of incentive earned will depend on meeting the additional requirements outlined below.

To earn up to a maximum of $200, a $50 payout can be earned in any four (4) of the first five (5) statement cycles (calendar months), including the cycle during which the account is opened. To earn each $50 cash incentive, the average daily balance in your Basic Business Checking account must be at least $3,000 for that statement cycle.

The incentive will be deposited into your Basic Business Checking account within 10 business days after the end of the statement cycle in which the balance requirement was met, provided the account is open and in good standing. The Basic Business Checking account must remain open for 180 days, or an early closure fee of up to $200 may apply.

This promotion is only available to new Axos Small Business customers who:

Established their business less than one (1) calendar year from the date of application submission. Proof of formation date may be verified via the Secretary of State or Business Formation documents.

Have not held primary ownership of any Axos Small Business Banking account at any time.

This offer cannot be combined with any other new Axos Small Business account introductory incentive/bonus offer unless otherwise expressly stated in the conditions of that offer.

Promotional terms and conditions:

Sponsor: Bluevine Inc. (“Bluevine”), 30 Montgomery, Suite 1400, Jersey City, NJ 07302. Bluevine is the sole Sponsor of this promotional event. Eligible Participants: This promotion is non-transferable and limited to one offer per new Bluevine Business Checking Account customer (“New Customers”).

For the avoidance of doubt, a New Customer is a natural person who does not have an existing Bluevine Business Checking Account held in the name of a business of which they are an owner and has not had such an account open in the last twelve (12) months. In order to be eligible, New Customers must be (i) at least 18 years old; and (ii) a legal resident of the 50 United States or Washington, DC. Officers, directors, managers, and employees of Sponsor and of its parent, subsidiary, and affiliate companies, as well as the immediate family members (spouse, parents, siblings, and children) and/or household members of each such person, are not eligible.

Conditions and Promotional Period:

To receive the bonus associated with this promotion, New Customers must meet the eligibility criteria outlined in the preceding section and

1) apply for and open a Bluevine Business Checking Account (“Account”) using a bonus referral code between 12:00:00 AM EST on March 24, 2026 and 11:59:59 PM EST on September 30, 2026;

2) fund their Account within thirty (30) days of account opening;

3) maintain a minimum daily balance of $5,000 in their Account beginning on the 31st day after account opening and ending on the 120th day after account opening;

4) meet at least one of the following conditions every thirty (30) days for ninety (90) days from beginning on the 31st day after Account opening: a) receive at least $5,000.00 in deposits from eligible Merchant Services; b) make at least $5,000.00 in payments through eligible Payroll Providers; or c) spend at least $2,000.00 on Eligible Transactions with the Bluevine Business Debit Mastercard^® and/or Bluevine Business Cashback Mastercard^®.

Eligible Transactions are bona fide purchases of goods or services made for legitimate business purposes with third-party business suppliers, vendors, or service providers, and other lawful business expenses incurred in the normal course of business. Eligible Transactions exclude any merchants listed at https://www.bluevine.com/excluded-merchants-card-transactions, and any transactions determined by Bluevine or its banking partner, in their reasonable discretion, to be invalid, fraudulent, or not primarily for business purposes.

A list of eligible Merchant Services and Payroll Providers (each an Eligible Third Party”) can be found at https://www.bluevine.com/eligible-merchant-services-and-payroll-providers. Bluevine will make its best effort to attribute transactions to the correct Eligible Party. For the avoidance of doubt, Bluevine’s computer is the official time-keeping device for this promotion.

Notification: If a New Customer meets all of the eligibility requirements and conditions of the promotion, Bluevine will deposit the bonus into their Bluevine Business Checking Account by the tenth day of the month that follows the month in which the last requirement was met, provided that the account is not closed or suspended. Limitation of Liability: Bluevine and its respective officers, directors, employees, representatives, and agents shall have no liability and shall be held harmless by participants for any damage, loss, or liability to persons or property, due in whole or in part, directly or indirectly, by reason of the acceptance, possession, use, or misuse of the prize or participation in this promotion.

Bluevine reserves the right in its sole discretion to modify or end the promotion at any time and exclude any participant for any reason, including suspected fraud, misuse, or other misconduct, and may also terminate any Bluevine accounts you may have with us.

Bluevine also reserves the right to reverse the bonus if a New Customer closes their Bluevine Business Checking Account within 150 days of funding it.

Miscellaneous: The bonus associated with this promotion is considered interest and will be reported on IRS Form 1099-INT. You are responsible for any federal or state taxes resulting from the promotion. Please consult your tax advisor if you have questions about tax treatment.

Offer valid 04/20/2026 – 06/18/2026

Eligibility: Offer not available to existing Chase business checking customers, government entities, political action committees, or those with campaign or other political accounts or accounts closed within 90 days of opening or accounts closed with a negative balance within 3 years from account opening. Signers can receive one business checking offer every two years from the last offer enrollment date. One offer per account. Employees of JPMorgan Chase Bank, N.A., and affiliates are not eligible.

How to qualify:
1. Open a new Chase Business Complete Checking^® account online or at a branch. For Chase Performance Business Checking^®, Chase Performance Business Checking^® with Interest, Chase Platinum Business CheckingSM, or Not For Profit accounts, visit a branch to open an account. Accounts subject to approval.

2. Deposit the minimum amount shown below in new money (cannot be existing deposits at Chase or affiliates) into your new qualifying checking account within 30 days of offer enrollment and maintain that balance for 60 days from offer enrollment. If your balance falls below the required minimum deposit amount shown below at any time during the 60 days, your offer amount may be reduced or may no longer qualify.

3. Complete any combination of 5 qualifying transactions within 90 days from offer enrollment (includes debit card purchases, Chase QuickDepositSM, ACH credits, wire credits/debits, Chase OnlineSM Bill Pay, Chase QuickAccept^®). QuickAccept card payments are combined into one daily qualifying transaction. QuickAccept is not available to all businesses.

Excluded transactions: ACH debits, Person-to-Person payments such as Zelle^®, and online transfers to Chase credit cards.

Payout: After meeting all requirements, the offer amount will be deposited within 15 days. Account must be open and unrestricted at payout. One-time use only. Chase may withdraw the offer at any time. Offer is considered interest and may be reported on IRS Form 1099-INT (or Form 1042-S, if applicable).

To qualify for a $400 cash bonus, a new business checking customer is required to do ALL of the following:

1) Open a new Huntington Unlimited Business Checking, Unlimited Plus Business Checking, Business Analyzed, Non Profit Analyzed, or Non Profit Interest Checking account by June 16, 2026.

2) Make total new money deposits of $5,000 or more within sixty (60) days of account opening.

3) Maintain an open account status in the eligible checking account for ninety (90) days.

To qualify for a $1,000 cash bonus, a new business checking customer is required to do ALL of the following:

1) Open a new Huntington Unlimited Plus Business Checking account by June 16, 2026.

2) Make total new money deposits of $20,000 or more within thirty (30) days of account opening and then maintain a daily balance of $20,000 or more for sixty (60) days after meeting the initial deposit requirement.

3) Maintain an open account status in the eligible checking account for ninety (90) days.

“New money” is defined as money that is not currently on deposit in any Huntington account (except maturing business CDs). Account must maintain an open status for at least 90 days before it is eligible for the bonus payment. All new accounts are subject to account opening approval, and account conversions are not eligible.

If an Unlimited Business Checking account is opened, the $400 bonus will be deposited into the new checking account within 14 days of meeting the above requirements. If an Unlimited Plus Business Checking account is opened, the $1,000 bonus will be deposited into the new checking account within 14 days of meeting the above requirements. The business checking account must remain in open status to receive the bonus. This offer is only available to new business checking customers.

All existing Huntington checking customers, including those with any relationship (including fiduciary) to any other Huntington business checking account, or those who closed a checking account within the last 12 months, are not eligible. Public Fund/Government Banking dollars and Brokers are not eligible for this offer. Eligible checking accounts for this offer are Unlimited Business Checking and Unlimited Plus Business Checking.

Transfers from another Huntington deposit account do not count as a deposit. This offer cannot be used in combination with any other checking offer. For tax purposes, you will receive a 1099-INT from us for the cash bonus. Huntington reserves the right to limit an individual or business owner to one cash incentive within a rolling 24-month period across all their account relationships, both business and consumer.

Additional Clarification directly from Huntington Bank: Encouraging Responsible Use: We encourage our valued customers to take advantage of cash promotional offers. However, to ensure fairness, we monitor for patterns of repeated use that may indicate misuse. Example: If you receive a cash incentive for opening a new business account and then another for a personal checking account, you may not be eligible for another cash incentive for any new accounts until 24 months have passed since the most recent payment.

Preventing Abuse: Customers who open multiple accounts solely to receive cash incentives and then close them shortly after may be subject to this rolling 24-month limit. This helps us maintain the integrity of our cash promotional programs. Monitoring and Analysis: We use reporting tools to identify such patterns and make decisions based on careful analysis. This policy ensures that our offers are fair and benefit genuine customers. Huntington reserves the right to close an account at our discretion, prior to promotional requirements being met, and without a promotional payment if promotional abuse is suspected.

Earn a $400 bonus when you open a U.S. Bank Business Essentials Account or $1,200 when you open a Platinum Business Checking Account online with promo code Q2AFL26 and complete qualifying activities, subject to certain terms and limitations. Offer valid through June 30, 2026. Member FDIC.

Promo code Q2AFL26 MUST be used when opening a U.S. Bank Business Essentials® or Platinum Business Checking account. Limit of one bonus per business. A $25 minimum deposit is required to open one of the referenced accounts.

To earn a business checking bonus, open a qualifying U.S. Bank business checking account between 4/01/2026 and 6/30/2026. Make the required deposit(s) in new money within 30 days of account opening, maintain the same required daily balance through the 60th day, and complete 6 qualifying transactions based on posted date within 60 days of account opening.

Business Essentials: $400 bonus with $5,000 deposits and daily balance

Platinum Business Checking: $1,200 bonus with $25,000 deposits and daily balance

Qualifying transactions include debit card purchases, ACH and wire credits or debits, Zelle credits or debits, U.S. Bank mobile check deposit, electronic or paper checks, bill pay (excluding payments made by credit card), and payment received via U.S. Bank Payment Solutions. Other transactions, such as person-to-person payments, credit card transfers, or transfers between U.S. Bank accounts, are not eligible.

New money is defined as funds 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 may reduce the required daily balance during the qualifying period.

Bonus will be deposited into your new eligible U.S. Bank business checking account within 30 days after the month-end in which all offer requirements are met, provided the account remains open with a positive available balance.

Offer may not be combined with other business checking bonus offers. Existing businesses with a business checking account or had one closed within the past 12 months, do not qualify.

All regular account-opening procedures apply. For full checking account pricing, terms and policies, refer to your Business Pricing Information, Business Essentials Pricing Information, and YDAA disclosure. These documents are available at any U.S. Bank branch or by calling 800.872.2657.

Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.

The best business bank account promotions typically come from traditional banks offering the largest cash bonuses. Currently, U.S. Bank and Huntington offer some of the highest payouts, though they also require larger deposit balances to qualify.

Yes. In most cases, business bank account promotions are considered taxable income. Banks may issue a Form 1099-INT or 1099-MISC if your bonus meets reporting thresholds. I recommend speaking with a tax professional if you are unsure how the bonus will affect your business taxes.

Most banks pay business checking bonuses within 30 to 90 days after completing the qualifying requirements. However, some providers may take longer depending on the account type and promotion terms.

Yes, many businesses open multiple accounts to earn different business bank account promotions simultaneously. However, you should carefully review each bank’s eligibility rules since some providers restrict repeat bonuses or require businesses to wait a certain period before qualifying again.