Bank of America’s new business checking offer rewards you for parking cash in a new account. Open a Business Advantage Fundamentals or Business Advantage Relationship Banking account through the up-to-$2,500 business checking offer page by Nov. 30, 2026. The offer code applies automatically online, and it has to be on the account when you open it. Then deposit New Money, meaning money not already held at Bank of America or Merrill, within 30 days of opening. The bonus tiers: $400 for $5,000, $700 for $15,000, $1,000 for $50,000, $1,500 for $100,000, and $2,500 for $200,000 or more. Next comes the maintenance period, which starts 31 days after enrollment and ends 90 days after opening. During it you need to keep your daily balance at your tier. If you dip below that, you drop to a lower tier, and if you fall below $5,000 on any day, the bonus is gone. BofA says it will try to pay within 60 days once you’ve met the requirements, and the bonus may be taxable. You’re not eligible if you owned or co-owned a Business Advantage account in the last 12 months, and it’s one bonus per business owner no matter how many businesses you run. Fundamentals has no monthly fee for the first 12 months. After that the fee is $16 unless you meet a waiver such as a $5,000 combined average monthly balance. For most side businesses, the $5,000 and $15,000 tiers are the sweet spot. More deals at Points Quest.
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