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我们现在开设了付费加入的美卡101星球
里面分享了不少不方便公开的实用信息，大家讨论也很活跃。有兴趣的可以加入一起玩。原价￥399每年，现有折扣￥129，详见：美卡 101 知识星球开放啦
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 $250k。大家可以放心。
FDIC 美国联邦存款保险公司介绍
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 $250k 的保险。
项目介绍
Axos Business Checking
开户奖励
现在开设 Axos Business Checking，可以最高获取 $400 的奖励。
Axos Business Checking 开户链接
$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 $3000 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
$400 的奖励要求比较高。需要日平均存款 $25k 以上或者 $50k 以上，对应 $300 和 $400 的奖励。另外需要完成每个月 debit 10 次消费，每次至少 $3 以上。
$75 will be earned for each statement cycle, up to $300 during when you meet two requirements: 1) the average daily balance in your Basic Business Checking account or Business Interest Checking Account is between $25,000 and $49,999.99, 2) you have completed ten (10) point-of-sale transactions per month using your Small Business Checking Visa® Debit Card for signature-based purchases with a minimum of $3 per transaction.
$100 will be earned for each statement cycle, up to $400 during when you meet two requirements : 1) the average daily balance in your Basic Business Checking account or Business Interest Checking Account is $50,000 or greater, 2) you have completed ten (10) point-of-sale transactions per month using your Small Business Checking Visa® Debit Card for signature-based purchases with a minimum of $3 per transaction.
此外，term 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 via 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，可以最高获取 $400 的奖励。
Axos Business Saving 开户链接
开户奖励要求如下：
账户 balance 在 $30k-$75k 之间，保持四个月，每个月会获取 $75，总共 $300 奖励 账户 balance 在 $75k 以上，保持四个月，前三个月会获取 $125，总共 $375 奖励
Business Premium Savings bonus of up to $375: You must be approved for your new Business Premium Savings account and fund it within 30 days of account opening. An incentive of up to $375 can be earned during the first four (4) statement cycles. A statement cycle is a calendar month consisting of at least one day your account was open during that month. $75 will be earned for each statement cycle during which the average daily balance in your Business Premium Savings account is between $30,000 and $74,999.99. $125 will be earned for each statement cycle during which the average daily balance in your Business Premium Savings account is a minimum of $75,000 or greater.
这个 saving 本身就有 3.8%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 天内关户会收取 $50 early termination fee.
开户链接
Axos Business Checking 开户链接 Axos Business Saving 开户链接
我们现在开设了付费加入的美卡101星球
里面分享了不少不方便公开的实用信息，大家讨论也很活跃。有兴趣的可以加入一起玩。原价￥399每年，现有折扣￥129，详见：美卡 101 知识星球开放啦
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