[NV, CA] Rize Credit Union $300-$1,000 Business Checking Bonus (Chex Sensitive)

Offer at a glance

• Maximum bonus amount: $1,000
• Availability: California & Nevada only
• Direct deposit required: None
• Additional requirements: See below
• Hard/soft pull: Unknown
• ChexSystems: Yes (chex sensitive for online applications)
• Credit card funding: Unknown
• Monthly fees: $0-$25+
• Early account termination fee: Unknown
• Household limit: None 
• Expiration date: 2/28/26

The Offer

Direct link to offer

• Rize Credit Union is offering a business checking bonus of up to $1,000. Must use promo code NEWBIZ.Tiers are as follows:
  • $300 bonus when you open a small business checking account: 
    • Deposit $2,000 within 30 days of opening
    • Maintain an average daily balance of $2,000 for 60 days
    • Make 5 qualifying debit card or ACH credit transactions
  • $750 bonus when you open a Commercial Advantage Checking and deposi: 
    • Deposit $20,000 within 30 days of opening
    • Maintain an average daily balance of $20,000 for 60 days
    • Make 5 qualifying debit card or ACH credit transactions
  • $1,000 bonus when you open a Analyzed Business Checking: 
    • Deposit $25,000 within 30 days of opening
    • Maintain an average daily balance of $25,000 for 60 days
    • Make 5 qualifying debit card or ACH credit transactions

The Fine Print

• Offer period is valid from 1.19.2026 to 2.28.2026. Available to businesses who are not current Rize Credit Union (Rize CU) business banking members and have not closed a Rize CU business banking account within the past 90 days. To qualify, open your new account in person or online at https://rizecu.com/business-inquiry/ and:
  1. $300 bonus: Open a Small Business Checking account and deposit $2,000 within 30 days. Maintain an average daily balance of $2,000 or more in your new account for the following 60 days and complete 5 qualifying transactions, or
  2. $750 bonus: Open a Commercial Advantage Checking and deposit $20,000 within 30 days. Maintain an average daily balance of $20,000 or more in your new account for the following 60 days and complete 5 qualifying transactions, or
  3. $1,000 bonus: Open an Analyzed Business Checking and deposit $25,000 within 30 days. Maintain an average daily balance of $25,000 or more in your new account for the following 60 days and complete 5 qualifying transactions.

   

• Opening bonus will be deposited into your new Small Business Checking, Commercial Advantage Checking, or Analyzed Business Checking account within 120 days after account opening, provided the account remains in good standing; otherwise, opening bonus will be forfeited. Qualifying transactions include debit card purchases and ACH (credits). Limit one bonus award per member and/or account based on Social Security number (SSN)or Employer Identification Number (EIN). Rize CU membership is required to open an account. Checking accounts subject to approval. Offer not valid with other promotional offers. Member must have a valid SSN or EIN, and government-issued photo ID. Bonuses considered taxable income and may be reported on IRS form 1099-INT. Offer not available to fiduciary accounts (e.g., trusts) or Rize CU employees. Federally insured by NCUA.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

• Small business checking has no monthly fee
• Commercial Advantage checking has a non avoidable $25 monthly fee
• Analyzed business checking has an unavoidable non flat fee based on each transaction etc.

Early Account Termination Fee

Unsure if there is any EATF or not. 

Our Verdict

Many readers will have a bad experience with Rize from the $400 personal checking bonus that briefly looked to be available nationwide. Rate of return on all of these is high (15%+) but the larger accounts seem to have monthly fees that aren’t avoidable and ChexSystem sensitivity will be an issue. Probably won’t add this to the best bank account bonuses due to all the other issues in the past. 

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