U.S. Bank Business Essentials bonus: is $1,200 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
With $25,000 for 60 days, the tier that adds the most.
Yearly rate on $25,000 while it's there, bonus included.
Every tier
A smaller tier often wins: less cash away from what it earns now.
- +$366$5,000$400 bonus · 60 days
- +$1,029$25,000Best for you$1,200 bonus · 60 days
The math
Compared with leaving $25k at 4.15%
Deposit $25,000 in new money within 30 days · Keep $25,000 there until day 60 · Make 6 debit card purchases within 60 days. Terms checked Oct 9, 2026.
About this bonus
What it takes
- 1Deposit $25,000 in new money within 30 days
- 2Keep $25,000 there until day 60
- 3Make 6 debit card purchases within 60 days
- Ends
- Jan 13, 2027
- Where
- Nationwide
- Monthly fee
- None
- Cash stays
- About 60 days
- Bonus paid
- Usually within 30 days of finishing
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the U.S. Bank Business Essentials bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $25,000 tier adds +$1,029: the $1,200 bonus, minus the $171 that cash would have earned in 60 days. The $5,000 tier adds +$366. At a different rate the answer changes; the calculator on this page works it out for yours.
What are the requirements?
Deposit $25,000 in new money within 30 days; keep $25,000 there until day 60; make 6 debit card purchases within 60 days. Open nationwide.
When does it end?
The offer ends Jan 13, 2027. The terms were last checked Oct 9, 2026.