關於 AXOS 銀行
Axos 銀行是美國聯邦特許儲蓄和貸款協會，是總部位於加利福尼亞州聖地亞哥的直銷銀行。它是 Axos Financial 的主要消費品牌。Axos 在加利福尼亞州的聖地亞哥成立，總部位於加利福尼亞州的聖地亞哥，在加利福尼亞州洛杉磯設有辦事處。這間銀行亦在 Las Vegas 和 Columbus 有分行。AXOS 的存款受 FDIC 保護，最高 $250,000。大家可以放心。
此外，AXOS 還參加了 cash sweep 項目，可以把保險金額最高放大到 $265MM。原理是把你的錢分散在每間有 FDIC 保護的銀行，每間都能提供 $250,000 的保險。
Axos Business Checking
開戶獎勵
現在開設 Axos Business Checking，可以最高獲得 $200 的獎勵。活動 6 月 30 日截止。
$200 獎勵要求比較簡單，只需保持四個月日均餘額 $3,000 就可。不過這個 $200 是分四次，每次 $50 發放。而且你要在 180 天內不關戶口。
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，條款中寫明需在申請日一年內成立企業，並且從未開設過 Axos 商業銀行戶口。不知道會唔會實際 enforce。
- 申請時成立日期距今少於一（1）個曆年。成立日期可透過州政府秘書長（Secretary of State）或商業成立文件核實。
- 曾任何時候都未持有任何 Axos Small Business Banking 戶口的主要所有權。
費用
這個戶口沒有月費和管理費。但如於 180 天內關戶，會收取 $50 的提前終止費（early termination fee）。
Axos Business Saving
現在開設 Axos Business Saving+Checking Bundle，可最高獲得 $600 的獎勵。而且存款還有 3.6% APY。
開戶獎勵要求如下，簡單來說就是連續六個月需完成以下內容：
- 每月 $1,000 外部資金轉入，可用自己簽出的支票、ACH 轉帳
- 每月用 debit 卡完成 2 筆消費，每筆至少 $50+
- Biz Checking 戶口保持 $1,500，Biz Saving 戶口保持 $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:
- 在每個資格期內，將外部資金至少 $1,000 透過 ACH、支票或電匯存入其 Basic Business Checking 戶口
- 用與 Basic Business Checking 相關的扣賬卡於每個資格期完成至少 2 筆且每筆至少 $50 的批准交易
- 於 Basic Business Checking 戶口維持至少 $1,500 的平均日餘額
- 於 Business Premium Savings 戶口維持至少 $50,000 的平均日餘額
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.
這個 saving 本身就有 3.6% APY，所以把錢放著拿獎勵倒也不虧。
費用
這個戶口沒有月費和管理費。不過 180 天內關閉戶口會收取 $50 提前終止費。
