Rho $350–$1,000 Business Savings Bonus (9.8% Effective APY) - 2026 Review
Bonus Tiers & Effective APY
Overview
Rho's business checking bonus is tiered: $350 for $10,000 held 90 days, $500 for $20,000 held 30 consecutive days, or $1,000 for $100,000 held 30 consecutive days. It's a business-checking offer (not a personal savings bonus), and there's no monthly fee. The catch: you need a real business entity — sole proprietorships are excluded, LLC is the minimum.
Who This Savings Bonus Is Best For
Business owners with an LLC+ entity and idle cash who can park $10k–$100k. Not for solo bank-bonus chasers without a real business — sole proprietorships are excluded.
How to Maximize This Bonus
Open Rho business checking (you'll upload articles of incorporation during onboarding — LLC or above; no sole props). Fund to your target tier and hold: $10k for 90 days earns $350, $20k held 30 consecutive days earns $500, $100k held 30 consecutive days earns $1,000. The bonus posts ~30 days after you qualify. This is a business-deposit bonus, not a payroll/DD bonus.
Pros
Cons
How This Compares to Other Bonuses
Among business-checking bonuses, Rho's $350 entry tier is accessible at $10k, but the bigger payouts ($500/$1,000) require $20k–$100k held. Unlike most checking bonuses, there's no direct-deposit requirement — it's a deposit-and-hold structure closer to a savings bonus, but gated to real businesses.
Frequently Asked Questions
What's the current Rho business checking bonus?
Tiered: $350 for $10,000 held 90 days, $500 for $20,000 held 30 consecutive days, or $1,000 for $100,000 held 30 consecutive days.
Do I need a real business to qualify?
Yes. Rho requires a real business entity and articles of incorporation during onboarding — sole proprietorships are explicitly excluded, and an LLC is the minimum entity type.
Does Rho run a hard credit pull for this account?
No — Rho uses a soft pull (if any). It won't affect your personal credit score.
Related Bonus Reviews
Eligibility
Rho business checking. Real business required — sole proprietorships explicitly excluded; LLC is the minimum entity type. Tiered: $10k held 90d → $350, $20k held 30 consecutive days within the 90-day window → $500, $100k held 30 consecutive days → $1,000. Articles of incorporation upload required during onboarding. New customers only. Bonus posts 30 days after qualification.
Fees
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