BofA Business Checking 介紹：開戶獎勵 $750，信用卡獎勵亦可加成

【2026.1 更新】現在這個帳戶有不錯的開戶獎勵，開戶後 30 天內存入 $5,000/$15,000，並在其後 60 天維持平均餘額高於 $5,000/$15,000，就可以獲得 $400/$750 獎勵。最高一檔相當於 60 天就有 5% 回報，折算年化回報約 30%！

開戶連結（需要在 2026 年 12 月 31 日之前申請）

這個獎勵相當不錯，我已把它加入排行榜。

銀行帳戶開戶獎勵排行榜【最高 $7,000+獎勵】

具體要求如下

2026 年 12 月 31 日之前開戶
開戶後 30 天內，從非 BofA 帳戶向這個帳戶存入 $5,000/$15,000
確保在第 31-90 天內，帳戶的平均存款達到 $5,000/$15,000（所以時間安排得好，其實相當於只需存 60 天）

Open a new Business Advantage Relationship Banking or Business Advantage Fundamentals™ Banking account online through this offer’s webpage by December 31, 2026, to be enrolled in this offer. If you open your account by any other means, you may not be eligible to earn the cash bonus.

Deposit New Money* directly into that new eligible Bank of America Business Advantage Banking account within thirty (30) days of account opening (“Deposit Period”) . At the end of the Deposit Period, all New Money deposits made directly into new eligible Business Advantage Banking account will be totaled to determine which Balance Requirement you have met and which corresponding Cash Bonus Tier you are eligible for (see Bonus Chart below) .Bonus Chart$5,000

Maintain a daily balance in that new Business Advantage Banking account that meets the applicable Balance Requirement (see Bonus Chart above) during the Maintenance Period**. During the Maintenance Period, if your daily balance drops below the minimum of the Balance Requirement listed for a corresponding Cash Bonus Tier, you will no longer be eligible for that Cash Bonus Tier but may be eligible for a lower tier (as applicable, based on the lowest daily balance during the Maintenance Period) . If your daily balance drops below $5,000, you will no longer be eligible for a cash bonus.

* New Moneyis new funds deposited into your Business Advantage Banking account that are not transfers from other Bank of America accounts or Merrill investment accounts. A transfer done via ATM, online or teller, or a transfer from a Bank of America account or brokerage account, such as a Merrill account, is not considered new money. A cash withdrawal from an existing Bank of America account and deposited into the new Business Advantage Banking account is not considered new money.**

文章目錄 [隱藏]

1 關於
2 開戶和獎勵
3 Preferred Rewards
4 費用
5 其他注意事項（來自美卡攻略）
6 申請連結

關於

BofA 大家應該都不陌生，分行很多，信用卡產品也不少。我們之前亦介紹過 BofA 的個人 checking。

Bank of America 銀行帳戶介紹

本文介紹的是它家的商業支票帳戶，也就是 business checking account。注意，這個商業帳戶同樣受 FDIC 保障，所以不必擔心存款安全。

Deposit products are provided by Bank of America, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. Business Advantage Fundamentals is a trademark of Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation.

開戶和獎勵

具體請見文章開頭。

雖然條款中寫明這是定向優惠，但根據之前這個連結的實際情況，只要透過這個連結申請，一般都可以拿到。不過以下情況將無法獲得開戶獎勵：

過去 12 個月內持有 BofA Business Checking
同一商業實體只能拿一次獎勵（同一個 EIN；如果用 SSN 代替 EIN 的話，就是同一個 SSN）
BofA 員工無法獲得獎勵

This offer is only available to business owners who receive this offer via a direct communication from a Bank of America Specialist or from a Bank of America communication. This offer is intended for new customers only; you are not eligible for this offer if you were an owner or signer on a Bank of America Business Advantage Banking account within the last twelve (12) months. Only one bonus ($1,000) per business customer, regardless of the number of businesses owned or operated by the customer. Bank of America employees are not eligible for this offer. Offer expires on July 31, 2024, and all qualifying activities must be completed within the stated time frames in order to be eligible for this offer. Bank of America may change or discontinue this offer at any time before this date without notice. Reproduction, purchase, sale, transfer or trade of this offer is prohibited

Preferred Rewards

BofA 的個人支票帳戶可提供 Preferred Rewards 等級，BofA 會為所有個人信用卡提供最高 75% 的現金回贈加成。其實商業卡也有完全對應的獎勵機制。

簡介如下

等級：Gold/Platinum/Platinum Honors 需要 $20,000-$50,000/$50,000-$100,000 /$100,000 商業帳戶資產
條件：以三個月滾動方式計算；不再符合後，會在一年三個月後失效
福利：商業信用卡 25%/50%/75% 額外現金回贈獎勵，以及各種商業相關服務、貸款、投資、ATM 優惠
商業版 Preferred Rewards 介紹連結

你也可以參考我們的詳細分析文章。