Bank Promotions for Small Business in Texas: September 2026
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Texas has no state income tax, making business bank bonuses worth even more. Compare the best checking promotions for Texas businesses.
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Chase, Bank of America, and Wells Fargo compete heavily across Dallas, Houston, Austin, and San Antonio. Many offer cash bonuses when you open a qualifying business checking account.
Here are some of the best business bank offers in Texas:
- Chase Business Complete Banking®:
Up to $500 Bonus - Bank of America® Business Advantage Banking:
$400 or $750 Cash Bonus Offer - PNC Bank:
Business Checking Account - $1,000 Bonus - First National Bank of Omaha:
Business Checking Account - $250 Bonus - Hancock Whitney Bank:
Business Checking Account - $500 Bonus - Truist Bank:
Business Checking Account - $800 Bonus - Broadway Bank:
Business Checking Account - $400 Bonus - TBK Bank:
Business Checking Account - Up to $275 Bonus - Hanmi Bank:
Business Checking Account - $2,000 Bonus - Simmons Bank:
Business Checking Account - Up to $900 Bonus - American Airlines Credit Union:
Business Checking Account - Up to $270 Bonus
Chase Business Complete Banking® - Up to $500 Bonus
- Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
- Choose Chase Business Complete Banking® to get a fully integrated business solution that can help you control costs. Waive the $15 Monthly Service Fee in multiple ways like keeping a minimum $2,000 balance, plus use built-in offerings such as card acceptance, invoicing, Chase Customer Insights and Tap to Pay on iPhone
- Bank with confidence. Feel confident knowing we have the largest branch network in the U.S. with 5,000 branches that provide personalized service and can help with your complex banking needs. You can also benefit from our account protection services, which provide safeguards by overseeing employee account activity, monitoring checks, and offering additional protection for your business.
- Access online banking for small businesses. Take advantage of our digital business banking platform with a comprehensive set of features designed for small business owners like you. Our tools enhance your ability to manage cash flow, accept and make payments, create invoices and plan for growth, so you can streamline processes and gain greater control of your finances.
- More small business owners choose Chase than any other bank
- The #1 choice for small business banking.
Bank of America® Business Advantage Banking - $400 or $750 Cash Bonus Offer
- The $400 or $750 cash bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new eligible business checking customers only.
- Offer expires 12/31/2026.
- To qualify, open a new Business Advantage Relationship Banking or Business Advantage Fundamentals™ Banking account through the promotional page and deposit New Money* directly into that new eligible account within thirty (30) days of account opening (“Deposit Period”). At the
end of the Deposit Period, all New Money deposits made directly into new eligible Business Advantage Banking account will be totaled to determine which Balance Requirement you have met and which corresponding Cash Bonus Tier you
are eligible for.
Balance Requirement Cash Bonus Tier $5,000 $400 $15,000 $750 - Maintain a daily balance in that new Business Advantage Banking account that meets the applicable Balance Requirement during the Maintenance Period**
- After you satisfy all of the requirements, Bank of America will attempt to deposit your earned bonus directly into your new eligible Bank of America Business Advantage Banking account within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *New Money is new funds deposited into your Business Advantage Banking account that are not transfers from other Bank of America accounts or Merrill investment accounts.
- ** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
- Bank of America, N.A. Member FDIC
PNC Bank: Business Checking Account - $1,000 Bonus
Open a new PNC Treasury Enterprise Plan or Analysis Business Checking account. Maintain an average ledger balance of $30,000 or more in your new checking account for each of the first three statement cycles.
This offer is only available to businesses with an annual revenue of less than $5 million. All existing business checking customers, including those who have closed an account in the past 90 days or has been paid a promotional premium in the past 12 months are not eligible for this offer. $1,000 bonus will be credited to your new business checking account within 90 days after all conditions have been met.
First National Bank of Omaha: Business Checking Account - $250 Bonus
Open a new Free Business Checking account. Use promo code 250BIZ at account opening. Make qualifying deposits totaling $1,000 or more OR make at least 10 qualifying debit card transactions within 31 days of account opening.
Free Business Checking - Earn $500 Bonus
To earn the $500 bonus, customers must apply for a Bluevine Business Checking account anytime between now and 09/30/2026 using the referral code CD500.
After opening your account, deposit a total of $5,000 within the first 30 days. After 30 days, maintain a minimum daily balance of $5,000 while also completing at least one of the following eligibility requirements every 30 days for 90 days:
- Deposit at least $5,000 from eligible merchant services to your Bluevine account OR
- Make at least $5,000 of outbound payroll payments from your Bluevine account using eligible payroll providers OR
- Spend at least $2,000 on eligible transactions with your Bluevine Business Debit Mastercard® and/or Bluevine Business Cashback Mastercard®
Banking services provided by Coastal Community Bank, Member FDIC
Texas Business Bank Promotions
These promotions are from regional banks and credit unions based in Texas. Texas-chartered banks and local credit unions often offer more flexible terms and personalized service for small business owners.
Some of the biggest banks for small business in Texas include Chase, Bank of America, Wells Fargo, Frost Bank, and Capital One. National players like PNC Bank and Truist also have a growing presence in the state.
In Houston and Dallas-Fort Worth, Chase and Bank of America dominate the small business banking market, with Frost Bank — headquartered in San Antonio — also serving as a major regional player. In Austin, the mix of national and local banks gives small business owners plenty of options.
If you're evaluating an offer, make sure the bank has branches or ATMs conveniently located for your business.
PNC Bank: Business Checking Account - $400 Bonus
Open a new PNC Business Checking or PNC Business Checking Plus account. Maintain an average ledger balance of $2,000 in your new checking account for each of the first three statement cycles. Make at least 10 qualifying transactions within the first three statement cycles.
This offer is only available to businesses with an annual revenue of less than $5 million. All existing business checking customers, including those who have closed an account in the past 90 days or have been paid a promotional premium in the past 12 months are not eligible for this offer. $400 bonus will be credited to your new business checking account within 90 days after all conditions have been met.
Hancock Whitney Bank: Business Checking Account - $500 Bonus
Open a new Preferred Business Checking, Interest Business Checking, or Essential Business Checking account. Use promo code 2034SBCK26 at account opening. Make at least $5,000 in qualifying deposits within 30 days of account opening. Maintain a balance of at least $5,000 in the account for 60 days after the initial 30 days.
Truist Bank: Business Checking Account - $800 Bonus
Open a new Truist Simple Business Checking or Truist Dynamic Business Checking account. Use promo code LP016B98AC0301B at account opening. Deposit $10,000 or more into the account within 30 days of account opening. Maintain a daily current balance of at least $10,000 or more from the 30th day through the 90th day after account opening.
Truist Bank: Business Checking Account - $400 Bonus
Open a new Truist Simple Business Checking or Truist Dynamic Business Checking account. Use promo code LP016B98AC0301B at account opening. Deposit $2,500 or more into the account within 30 days of account opening. Maintain a daily current balance of at least $2,500 from the 30th day through the 90th day after account opening.
Broadway Bank: Business Checking Account - $400 Bonus
Open a new Broadway Bank Advantage, Preferred, or Essentials Business Checking account. Use promo code BCPR at account opening. Deposit $2,000 or more in new money within 30 days of account opening. Maintain an average monthly balance of $25,000 or more for 90 days. Complete 10 qualifying transactions within 90 days of account opening.
Broadway Bank: Business Checking Account - $300 Bonus
Open a new Broadway Bank Advantage, Preferred, or Essentials Business Checking account. Use promo code BCPR at account opening. Deposit $2,000 or more in new money within 30 days of account opening. Maintain an average monthly balance of $2,000 - $24,999 for 90 days. Complete 10 qualifying transactions within 90 days of account opening.
TBK Bank: Business Checking Account - Up to $275 Bonus
Open a new Business Interest Checking account. Earn $100 when you open a Merchant Services. Earn $50 when you complete at least 3 recurring automatic transfers from this account to a TBK Bank savings or money market account. Earn $25 when you get a business debit card and make at least one point-of-sale. Earn $25 when you open and fund an AIM or Everyday consumer checking account. All activities must be completed within 120 days from account opening. Earn $75 when you are a TBK at Work participant and provide a TBK Bank referral code.
TBK Bank: Business Checking Account - Up to $200 Bonus
Open a new Business Checking account. Earn $75 when you open Merchant Services. Earn $25 when you complete at least 3 recurring automatic transfers from this account to a TBK Bank savings or money market account. Earn $25 when you get a business debit card and make at least one point-of-sale. Earn $25 when you open and fund an AIM or Everyday consumer checking account. All activities must be completed within 120 days from account opening. Earn $50 when you are a TBK at Work participant and provide a TBK Bank referral code.
Hanmi Bank: Business Checking Account - $2,000 Bonus
Open a new business checking account. Enroll in uChoose Rewards within 30 days of account opening. Earn 200,000 uChoose Rewards® points when you maintain a 3-month average daily balance of $100,000 for the first three full months to qualify for the bonus points. Cash value of 100 uChoose Rewards® points is $1.
Hanmi Bank: Business Checking Account - $1,000 Bonus
Open a new business checking account. Enroll in uChoose Rewards within 30 days of account opening. Earn 100,000 uChoose Rewards® points when you maintain a 3-month average daily balance of $50,000 for the first three full months to qualify for the bonus points. Cash value of 100 uChoose Rewards® points is $1.
Simmons Bank: Business Checking Account - Up to $900 Bonus
Open a new Simmons Bank Business Core Checking, Business Plus Checking, Business Pro Checking, or Non-Profit Checking account. Use promo code BC2 at account opening. Enroll in online banking and access the account in the mobile app or website. Maintain an average daily balance of $15,000 or more every statement cycle. Earn $300 every statement cycle you complete the offer requirements. Maximum of 3 bonuses may be earned within the first 5 statement cycles after account opening.
Simmons Bank: Business Checking Account - Up to $450 Bonus
Open a new Simmons Bank Business Core Checking, Business Plus Checking, Business Pro Checking, or Non-Profit Checking account. Use promo code BC2 at account opening. Enroll in online banking and access the account in the mobile app or website. Maintain an average daily balance of $10,000 or more every statement cycle. Earn $150 every statement cycle you complete the offer requirements. Maximum of 3 bonuses may be earned within the first 5 statement cycles after account opening.
Simmons Bank: Business Checking Account - Up to $300 Bonus
Open a new Simmons Bank Business Core Checking, Business Plus Checking, Business Pro Checking, or Non-Profit Checking account. Use promo code BC2 at account opening. Enroll in online banking and access the account in the mobile app or website. Maintain an average daily balance of $7,500 or more every statement cycle. Earn $100 every statement cycle you complete the offer requirements. Maximum of 3 bonuses may be earned within the first 5 statement cycles after account opening.
American Airlines Credit Union: Business Checking Account - Up to $270 Bonus
Open a new American Airlines Federal Credit Union Business Checking account. Set up and receive qualifying ACH direct deposits of $2,000 or more within 90 days of account opening. Complete 30 debit card purchases within 90 days of account opening. Make 15 purchases using your Credit Union debit card through an Apple Wallet,® Google Wallet,™ or Samsung Wallet,™ digital wallet within 90 days of account opening.
Nationwide Business Bank Promotions
These offers from national banks are available to Texas business owners statewide. National banks offer broad access to branches and ATMs across Texas and throughout the country, though they may have higher fees or stricter account requirements than local options.
Chase Business Complete Banking® - Up to $500 Bonus
- Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
- Choose Chase Business Complete Banking® to get a fully integrated business solution that can help you control costs. Waive the $15 Monthly Service Fee in multiple ways like keeping a minimum $2,000 balance, plus use built-in offerings such as card acceptance, invoicing, Chase Customer Insights and Tap to Pay on iPhone
- Bank with confidence. Feel confident knowing we have the largest branch network in the U.S. with 5,000 branches that provide personalized service and can help with your complex banking needs. You can also benefit from our account protection services, which provide safeguards by overseeing employee account activity, monitoring checks, and offering additional protection for your business.
- Access online banking for small businesses. Take advantage of our digital business banking platform with a comprehensive set of features designed for small business owners like you. Our tools enhance your ability to manage cash flow, accept and make payments, create invoices and plan for growth, so you can streamline processes and gain greater control of your finances.
- More small business owners choose Chase than any other bank
- The #1 choice for small business banking.
Bluevine: Free Business Checking - Earn $500 Bonus
To earn the $500 bonus, customers must apply for a Bluevine Business Checking account anytime between now and 09/30/2026 using the referral code CD500.
After opening your account, deposit a total of $5,000 within the first 30 days. After 30 days, maintain a minimum daily balance of $5,000 while also completing at least one of the following eligibility requirements every 30 days for 90 days:
- Deposit at least $5,000 from eligible merchant services to your Bluevine account OR
- Make at least $5,000 of outbound payroll payments from your Bluevine account using eligible payroll providers OR
- Spend at least $2,000 on eligible transactions with your Bluevine Business Debit Mastercard® and/or Bluevine Business Cashback Mastercard®
Banking services provided by Coastal Community Bank, Member FDIC
Frequently Asked Questions
Are business checking account bonuses taxable in Texas?
Yes. Business checking account bonuses in Texas are generally considered taxable income by the IRS. Banks typically report bonuses of $600 or more on a 1099-INT or 1099-MISC form.
Texas does not have a state income tax, so you won't owe state taxes on the bonus. However, you'll still need to report it on your federal return. The exact terms may vary by offer, so double-check the fine print with the bank and consult a tax professional if needed.
What do I need to open a business bank account in Texas?
To open a business bank account in Texas, you'll typically need an Employer Identification Number (EIN) from the IRS, your business formation documents filed with the Texas Secretary of State, a government-issued photo ID, and proof of business address.
Sole proprietors can often use their Social Security number instead of an EIN. Requirements vary by bank, so check with the specific institution before applying.
How do business bank promotions work?
Most business checking promotions offer a cash bonus when you open a new account and meet certain qualifying requirements within a set time frame. Common requirements include making a minimum opening deposit, maintaining a minimum balance, or completing a certain number of transactions.
Bonuses are typically deposited into your new account within 60 to 90 days after you meet all the conditions. Always read the full terms, as some offers are limited to new customers only and may require you to keep the account open for a minimum period to avoid forfeiture.
Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.
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