Chase Business Checking $300–$750 Business Savings Bonus (54.8% Effective APY) - 2026 Review
Bonus Tiers & Effective APY
Overview
Chase Business Complete Checking pays $300, $500, or $750 depending on how much you deposit ($2k / $10k / $20k) within 30 days. Requires maintaining the balance for 60 days and making 5 qualifying transactions. The easiest business bonus to earn if you have real business cash flow.
Who This Savings Bonus Is Best For
Small-business owners, freelancers, and sole proprietors with real business cash flow. Also anyone who's incorporated an LLC or sole prop — the bonus is more accessible than people assume.
How to Maximize This Bonus
Open Chase Business Complete Checking online or in-branch (online is faster). Deposit net-new funds within 30 days to hit your target tier. Make 5 qualifying transactions — these can be debit card purchases, ACH payments, or incoming wires. Maintain the tier balance for 60 days. The $2k tier is the easy win at $300; scale up if you have the cash.
Pros
Cons
How This Compares to Other Bonuses
Against other big-bank business bonuses: Chase's $750 at $20k is lower than U.S. Bank's $1,200 at $25k (better rate) and BofA's $750 at $15k (better rate). But Chase's platform and QuickAccept make daily use easier for actual business owners.
Frequently Asked Questions
Do I need an LLC to qualify?
No. Sole proprietors can qualify with their SSN and a DBA, or with just their legal name + EIN. Chase's process accepts both.
What counts as a qualifying transaction?
Debit card purchases, ACH transactions (both directions), incoming wires, and QuickAccept payments. ATM withdrawals and internal transfers do NOT count.
How do I avoid the $15 monthly fee?
Keep an average daily balance of $2,000+. The bonus requirements (depositing $2k+ and maintaining) already meet this, so the fee is effectively waived during the bonus period.
Related Bonus Reviews
Eligibility
Business Complete Checking. Chase business deposit accounts are not available to Hawaii businesses (no HI Chase branches). Deposit + 5 transactions in 90 days.
Fees
Apply
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Nathaniel covers the best bank bonuses, credit card strategies, and savings optimization on his YouTube channel.
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