【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，並在接下來 60 天維持平均餘額高於 $5,000/$15,000，就可以獲得 $400/$750 的獎勵。最高一檔等於 60 天就有 5% 回報，折算年化約 30%！

  • 開戶連結（需要在 2026 年 12 月 31 日之前申請）

這個獎勵確實不錯，我已經把它加入排行榜了。

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 的帳戶往這個帳戶存入 $5,000/$15,000
  • 在第 31-90 天內，帳戶平均存款需達到 $5,000/$15,000（所以如果時間抓得剛好，等於只需要放 60 天）
  1. 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.
  2. 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
  3. 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.**

關於

BofA 大家應該都不陌生，分行很多，信用卡也不少。我們之前介紹過 BofA 的個人 checking：

本文介紹的是他們家的商業支票帳戶，也就是 business checking account。注意，這個商業帳戶同樣受 FDIC 保障，所以不用擔心存款安全。

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。

雖然條款中寫的是定向優惠，但根據之前這個連結的實際情況，只要透過這個連結申請，通常都可以拿到。不過以下情況無法獲得開戶獎勵：

  • 12 個月內持有過 BofA Business Checking
  • 同一個商業實體只能拿一次獎勵（同一個 EIN；若用 SSN 充當 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 為所有個人信用卡提供最高 75% 的現金回饋加成。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：以三個月滾動計算；不再符合條件後，一年三個月失效
  • 福利：商業信用卡 25%/50%/75% 的額外現金回饋獎勵，以及各種商業相關的服務、貸款、投資、ATM 折扣
  • 商業版 Preferred Rewards 介紹連結

你也可以參考我們的詳細分析文章：

費用

月費可以避免，免除條件如下：

  • 每日餘額至少 $5,000
  • 使用 business debit card 消費至少 $250
  • 加入 Preferred Rewards for Business，並至少維持 $20,000 餘額、達到 Gold Tier

其他注意事項（來自美卡攻略）

  • 支援 SSN、ITIN 申請，申請有 SoFi pull
  • 手機號碼支援 VoIP 類型，例如 Google Voice 等
  • 不支援 NRA 線上開戶，但銀行並未嚴格執行這項政策。
  • 建議線上申請時使用美國原生 IP
  • 獎勵會發 1099-int 稅表（RA）或者 1042-S (NRA)，這兩張稅表對身分都沒有要求，可以正常報稅
  • 如果一個人擁有多家公司且開了多個商業帳戶，他也只能拿一次開戶獎勵

申請連結