Bank of America Business Advantage Fundamentals Banking or Business Advantage Relationship Banking bonus: up to $2,500 and what it takes
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The offer in one paragraph
Bank of America pays up to $2,500 to a business that opens Bank of America Business Advantage Fundamentals Banking or Business Advantage Relationship Banking as a new customer. The $400 tier asks you to deposit $5,000 in new money and keep it there for 60 days. The $2,500 tier asks you to deposit $200,000 in new money and keep it there for 60 days. On the cash it asks you to park, the $2,500 bonus works out to an annual rate of 7.60%. The account charges $16 a month, and the bank publishes ways to avoid the fee. Its terms name no state limit, and the bank decides at application. The bank shows November 30, 2026 as the last day.
Bonus Tally may earn a commission when you open an account through links on this page. It never changes the math or the ranking.
How to earn it
- Open Bank of America Business Advantage Fundamentals Banking or Business Advantage Relationship Banking for your business online or at a branch, as a new customer.
- Use the offer code SUACIS when you apply.
- Deposit the amount for the tier you want in new money within 30 days: $5,000 for $400, $15,000 for $700, $50,000 for $1,000, $100,000 for $1,500 or $200,000 for $2,500.
- Keep that money in the account for 60 days, the hold period as the bank states it.
- Wait for the bank to pay the bonus. Its terms say when it pays once you meet the requirements.
Day counts follow the bank's terms, which say when each period starts.
When the bank pays. Bank of America aims to pay within 60 days after you meet every requirement.
New money is money not held now or before at Bank of America or in a Merrill investment account. Deposit it within 30 days of opening; the amount sets one of five tiers.
The balance has to stay at the tier every day of the maintenance period, which starts 31 days after enrollment and ends 90 days after opening. That 60 day period is the hold the annual rate uses.
Business Advantage Fundamentals has no monthly fee for the first 12 months. After that it costs $16 a month unless, among other ways, you keep a $5,000 combined average balance, spend $500 on the business debit card or qualify for Preferred Rewards for Business. Relationship Banking costs $29.95 a month.
Bank of America pays one bonus per business owner, however many businesses you run. A business that owned or co-owned a Business Advantage account in the last 12 months is excluded, as are trusts and personal accounts. The code SUACIS sits in the offer page address and applies itself online.
The numbers
- Bonus
- Up to $2,5005 tiers, from $400.
- Cash to park
- $5,000 for $400, $15,000 for $700, $50,000 for $1,000, $100,000 for $1,500, $200,000 for $2,500The larger of the deposit and the balance the bank asks for.
- Direct deposits
- Not required
- Hold period
- 60 daysAs the bank states it. Banks count it from different days.
- Time to deposit
- 30 days
- Annual rate
- 7.60%$2,500 / $200,000 x 365 / 60 x 100. The bonus over the cash and the days it asks for, scaled to a year. The bank does not pay it as interest. The tiers table gives the rate of each tier.
- Monthly fee
- $16 a monthWays to avoid it that the bank publishes include a balance of $5,000.
- Early closure
- Not published
Guides to these figures: how the annual rate is calculated, monthly fees and how to avoid them and early closure fees and clawbacks.
Worth it for you
Cash not entered, so no offer is checked against cash. Enter what you can park to check it. If you can park $200,000, the $2,500 top tier comes to $1,184.93 after costs.
- $2,500 tier
- $2,500.00
- Monthly fees
- $0.00
- $16 a month, waived: the $200,000 this tier keeps in the account meets the $5,000 balance the bank asks for.
- $200,000 for 60 days at your 4.00%
- −$1,315.07
- What the cash would earn where it sits now, over the hold period as the bank states it.
- Interest the account pays
- $0.00
- No APY is published for this account, so no interest is counted.
- Net gain
- $1,184.93
- $400Cash not checked
- $700Cash not checked
- $1,000Cash not checked
- $1,500Cash not checked
- $2,500Cash not checked
Assumes a 4.00% savings rate on the parked cash and no tax figure. The bonus calculator takes your own rates and compares every live offer.
Bank bonuses are generally taxable as interest income, and banks usually report them on Form 1099-INT. Banks change and end offers without notice. Confirm every term on the bank's own page before you apply.
Who can get it
- For
- Business accounts
- Customers
- New customers only
- Where
- No state limit in the termsThe bank decides at application
- Minimum age
- Not published
Before you apply: how often you can earn a bonus from one bank and whether opening an account affects your credit.
Tiers (5)
| Bonus | What it takes | Cash to park | Annual rate | In words |
|---|---|---|---|---|
| $400 | Deposit and hold: $5,000 | $5,000 | 48.67% | Deposit $5,000 to $14,999 in new money within 30 days of opening and keep at least $5,000 as the daily balance from day 31 after enrollment to day 90 after opening. |
| $700 | Deposit and hold: $15,000 | $15,000 | 28.39% | Deposit $15,000 to $49,999 in new money within 30 days of opening and keep at least $15,000 as the daily balance from day 31 after enrollment to day 90 after opening. |
| $1,000 | Deposit and hold: $50,000 | $50,000 | 12.17% | Deposit $50,000 to $99,999 in new money within 30 days of opening and keep at least $50,000 as the daily balance from day 31 after enrollment to day 90 after opening. |
| $1,500 | Deposit and hold: $100,000 | $100,000 | 9.13% | Deposit $100,000 to $199,999 in new money within 30 days of opening and keep at least $100,000 as the daily balance from day 31 after enrollment to day 90 after opening. |
| $2,500 | Deposit and hold: $200,000 | $200,000 | 7.60% | Deposit $200,000 or more in new money within 30 days of opening and keep at least $200,000 as the daily balance from day 31 after enrollment to day 90 after opening. |
Source
Checked against the bank's own page on .
Read the offer on Bank of America's page (opens in a new tab)
Bonus Tally may earn a commission when you open an account through links on this page. It never changes the math or the ranking.
Pages we read
- Offer page on promotions.bankofamerica.com, read
- Banks change and end offers without notice. Confirm every term on the bank's own page before you apply.
- Bank bonuses are generally taxable as interest income, and banks usually report them on Form 1099-INT. Are bank bonuses taxable has the detail.
- Bonus Tally is an information service, not a bank or a financial adviser. Nothing here is financial, tax or legal advice.
The verification log lists every offer with its source, and the methodology gives every formula.
Other bonuses from Bank of America
Bank of America and all its offers| Bank and account | Bonus | What it takes | Cash to park | Annual rate | Checked |
|---|---|---|---|---|---|
| Bank of America Advantage Banking (SafeBalance, Plus or Relationship) | Bonusup to $500 | What it takesDirect deposit$10,000 in direct deposits | Cash to parkNone | Annual rateno cash to park | Checked |
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| Chase Business Complete Checking | Bonusup to $500 | What it takesDeposit and hold$10,000 | Cash to park$10,000 | Annual rate30.42% | Checked |