关于 AXOS 银行
Axos 银行是美国联邦特许储蓄和贷款协会，是总部位于加利福尼亚圣地亚哥的直销银行。它是 Axos Financial 的主要消费品牌。Axos 在加利福尼亚州的圣地亚哥成立，总部位于加利福尼亚州的圣地亚哥，在加利福尼亚州的洛杉矶设有办事处。这个银行还在 Las Vegas 和 Columbus 有门店。AXOS 的存款受 FDIC 保护，最高 $250,000。大家可以放心。
而且 AXOS 还参加了 cash sweep 项目，可以把保险金额最高放大到 $265MM。原理就是把你的钱分散在每个有 FDIC 保护的银行，每个都能提供 $250,000 的保险。
Axos Business Checking
开户奖励
现在开设 Axos Business Checking，可以最高获取 $200 的奖励。活动 6 月 30 日截止
$200 奖励的要求比较简单一些，只需要保持四个月日平均余额 $3,000 就行。不过这个 $200 是分四个 $50 来发放的。而且你需要保持 180 天内不关账户。
To earn up to a maximum of$200, a $50 payout can be earned in any four (4) of the first five (5) statement cycles (calendar months) , including the cycle during which the account is opened. To earn each $50 cash incentive, the average daily balance in your Basic Business Checking account must be at least $3,000 for that statement cycle. The incentive will be deposited into your Basic Business Checking account within 10 business days following the end of the statement cycle during which the balance requirement was met, as long as the account is open and in good standing. The Basic Business Checking account must remain open for 180 days or an early closure fee of up to$200
此外，条款中写的必须 business 是一年内建立，而且没有开过 Axos 商业银行账户才行。不知道会不会 enforce。
- Established their business less than one (1) calendar year from the date of application submission. Proof of formation date may be verified Visa the Secretary of State or Business Formation documents.
- Have not held primary ownership of any Axos Small Business Banking account at any time.
费用
这个账户没有月费和管理费。但是 180 天内关户会收取 $50 early termination fee.
Axos Business Saving
现在开设 Axos Business Saving+Checking Boundle，可以最高获取 $600 的奖励。而且存款还有 3.6% APY。
开户奖励要求如下，简单的说就是连续六个月需要完成下面几个内容
- 每月 $1,000 外部资金转入，给自己写 check、ACH 转账都可以
- 每月 debit 消费 2 笔，至少 $50+
- Biz Chekcing 里面放 $1,500，Biz Saving 里面放 $50,000
To qualify for each cash bonus during an eligible Statement Cycle, an eligible business must meet the following requirements in each Qualification Period:
- Deposit $1,000 or more (via ACH, check, or wire) into their Basic Business Checking account from an external source
- Use the 借记卡 associated with their Basic Business Checking account to make 2 or more approved purchases of at least $50 for each transaction
- Maintain an average daily balance of at least $1,500 in the Basic Business Checking account
- Maintain an average daily balance of at least $50,000 in the Business Premium Savings account
The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day (s) . Any qualifying deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the Cash Bonus starting in the following month.
An eligible business can qualify for the Cash Bonus for a maximum of 6 statement cycles.If an eligible business meets the qualifications during the Qualification Period within a Statement Cycle, a payment of $100 will be credited to their Basic Business Checking account.This $100 credit will be paid within the first 15 business days following the end of the Statement Cycle in which the eligible business qualified.
这个 saving 本身就有 3.6%APY，所以把钱放着拿奖励倒也是不亏的。
费用
这个账户没有月费和管理费。但是 180 天内关闭账户会收取 $50 提前终止费。
