AMEX Personal Saving 介紹

大家可能對 AMEX 作為信用卡公司比較熟悉，其實 AMEX 也有銀行帳戶。銀行帳戶設於 American Express National Bank 名下，目前有 Saving Account 和 CD。他家的 Saving 還不錯，在沒有任何費用的情況下，還能有 1.15% APY（2020.6.14 數據）。這個 Saving 也受 FDIC 保障，最高保障 $250,000，所以還是很正規的。

開戶優惠

一般這個 saving 沒有開戶優惠，直接在 AMEX 官網註冊即可。

不過今天我收到一個 25,000 的開戶優惠，電郵是發到我 AMEX Green 信用卡的。在群組裡看了一下，似乎也有人收到，大家可以留意一下。不過有些人收到的是沒有開戶優惠的。。只是一則廣告。

如果你也收到這個優惠，需要注意的事項如下

  • 需要在 2020 年 7 月 18 日前存入 $25,000，並把資金保留到 2020 年 10 月 16 日
  • 開戶優惠會在 8-12 週後發放
  • 拿到開戶優惠後，12 個月不能關 Saving；你的 Saving 關聯的這張信用卡（charge 卡）12 個月內不能取消或降級。不然你的開戶優惠有可能被收回。
  • 開戶優惠算作利息，應該會收到 1099INT。估計 MR 會按照 1c/p 來計算價值，也就是 $250。
25,000 Membership Rewards points will be credited to your account within 8-12 weeks after you, as the primary account holder, deposit a total of $25,000 (the "Threshold Amount") or more of new money (not transferred from an existing Personal Savings account) into your American Express Personal Savings account by July 18, 2020 and hold those funds in your account through October 16, 2020. Our obligation to credit your account is also contingent on you not engaging in abuse, misuse, or gaming in connection with this offer in any way, as described below.

We may consider the number of Personal Savings accounts you have opened and closed as well as other factors in deciding on your offer eligibility. We may not credit Membership Rewards points, we may freeze Membership Rewards points already credited, or we may take away Membership Rewards points from your account, if we determine in our sole discretion that you have engaged in abuse, misuse, or gaming in connection with the offer in any way or that you intend to do so. For example, if you cancel your Personal Savings account within 12 months after acquiring it; or cancel or downgrade your card account within 12 months. We may also cancel this account and other accounts you may have with us. NOTE: The value of the bonus may be taxable income to you and may be reported on IRS Form 1099. You are responsible for any federal or state taxes resulting from the bonus. Please consult your tax advisor if you have questions about the tax treatment of the bonus.

特點

  • 利率：1.15% APY
  • 費用：無月費，沒有最低存款要求

該 Saving 沒有對應的 Checking，所以存錢很麻煩。需要從其他的 Checking 帳戶連結這個 Saving，然後轉錢進去。或者，你可以郵寄一張 check 到 AMEX 鹽湖城的銀行地址（不建議，寄失了會很麻煩）。

另外，這個 saving 沒有對應的手機 app，只能從電腦登入查看，也沒有網上客服可以聯絡客服。

總結

如果你只是想安安靜靜存錢，拿較高的 APY，這個帳戶倒是個頗省心的選擇。