U.S. Bank is offering up to a $1,200 bonus for new business checking accounts, using the promo code Q4AFL25. To snag the big bucks, you'll need to open a Platinum Business Checking account, deposit $25,000 within 30 days, maintain that balance for 60 days, and complete five qualifying transactions. A smaller $400 bonus is available for opening a Silver Business Checking account with a $5,000 deposit and similar requirements. The offer is available nationwide, excluding New York and Florida (and states without a branch unless you bank with them already), and expires January 14, 2026.

Why should you care? Well, a free $400 or $1,200 is nothing to sneeze at, especially for small business owners or those with a side hustle. The Silver account is particularly appealing, as it has no monthly fees as long as you opt for paperless statements. While the Platinum account has a hefty $30 monthly fee, it can be waived if you maintain a $25,000 average collected checking balance.

The Doctor of Credit's take? The $400 bonus is a solid deal. Just remember, bank bonuses are considered income, so you'll owe taxes on them. But with no early account termination fees, it's a relatively risk-free way to pad your business's bottom line. Just make sure you can meet the deposit and transaction requirements!