October 2026 brings new deadlines on business checking bonuses, with offers ranging from $200 to $2,500 for new business customers. A business checking bonus is cash a bank pays for opening an account and meeting deposit and transaction rules.
Chase and Huntington have mid-October cutoffs for $400 to $500 offers. Longer windows from U.S. Bank, Bank of America, and Axos run into winter.
Table of Contents
- Which business bonuses end in October?
- Which offers continue after October?
- How much cash must you move?
- What reduces the payout?
Which business bonuses end in October?
Chase offers new Business Complete Checking customers up to $500 for opening by Oct. 15, 2026. The bank pays $400 for $2,000 in new money or $500 for $10,000 within 30 days, plus five qualifying transactions in 90 days, according to the Chase business checking offer.
Huntington offers new business customers $400 for opening Unlimited, Unlimited Plus, Business Analyzed or nonprofit checking by Oct. 14, 2026. The terms require $5,000 in new money within 60 days and keeping the account open 90 days, according to the Huntington business banking page.
- Open before the posted expiration date.
- Deposit only new money, not transfers between the same bank.
- Complete required transactions within the stated window.
Which offers continue after October?
U.S. Bank offers new business customers $400 for Business Essentials or $1,200 for Platinum Business Checking opened online with promo Q4AFL26 between Sept. 28, 2026 and Jan. 13, 2027. The offer requires $5,000 or $25,000 in new money plus qualifying transactions, according to the U.S. Bank business promo page.
Bank of America offers Business Advantage Banking customers a tiered bonus up to $2,500 through Nov. 30, 2026. Danny Deal Guru reports a separate online-only $400 or $750 tier through Dec. 31, 2026 for smaller deposits. Axos Bank offers Basic Business Checking customers up to $200 with code START200 through Jan. 31, 2027. MoneyCrashers reports $50 for each of four of the first five cycles with $3,000 average daily balance, or up to $600 when bundled with Business Premium Savings.
How much cash must you move?
New-money rules set the real hurdle. Chase asks for $2,000 or $10,000 within 30 days. Huntington asks for $5,000 within 60 days. Larger bonuses demand larger balances. U.S.
Bank ties $400 to $5,000 and $1,200 to $25,000. Bank of America bases its $2,500 top tier on deposit size and account maintenance. Transaction rules add a second test. Chase requires five qualifying transactions in 90 days. U.S. Bank also requires qualifying transactions, while Axos rewards steady $3,000 balances across statement cycles.
What reduces the payout?
Bank cash bonuses count as taxable interest income reportable on Form 1099-INT and taxed at ordinary rates. LegalClarity notes recipients owe federal tax even without a form, according to the LegalClarity tax guidance. That tax lowers the net value. A $500 bonus adds $500 to ordinary income for the year.
A higher bracket keeps less of a $1,200 or $2,500 bonus. Personal offers show the same tradeoff. Commerce Bank advertises a $1,000 personal checking bonus with promo code 1000DMD826 for applications ending Oct. 27, 2026. Set aside part of any bonus for tax before spending it.
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