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Axos 银行简介
Axos Bank 是一家创建于 1999 年的联邦特许银行,FDIC 成员,其前身为 Bank of Internet USA,旗下有包括 Checking、Saving、借贷、投资、商业等很多金融服务。
我们熟知的报税软件 H&R Block 的银行业务之前被 Axos 收购,现在 H&R Block 退税预期贷款(RAL)业务就由 Axos 独家提供。
本文介绍的是 Axos 的一款面向个人的免费 Checking 账户:Rewards Checking Account。
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更新日志
01/05/2023 更新:Swagbucks 上返现依旧是 $150,但 Axos 本身 $150 Bonus offer 延期到了 1/11/2023,两者叠加,一共可获得 $300。
同时,三个平台都有这个 offer,直达链接:
Swagbucks 直达
🔗https://bit.ly/3CzlmgQ
MyPoints 直达
🔗https://bit.ly/3XaKYsa
InboxDollars 直达
🔗https://bit.ly/3GuUPCq
详细攻略见下文。
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开户奖励 $300
现在开通免费的 Rewards Checking,一共可以获得 $300 的开户奖励,包含两部分:
1)通过 Swagbucks 平台获取 $150 返现
关于 Swagbucks:首先需要有 Swagbucks 账号,Swagbucks 是一个类似于返现网的网站,新用户还可以获得 $13 的注册奖励:
然后在 Swagbucks 搜索 “Axos”,或点击这里直达:
要求开户后至少存入 $750 才能获得 $150 奖励。
通过上面平台的链接进入 Axos 后应该可以直接看到下面第二条 $150 的奖励,可叠加。
2)Axos 官方活动,开通 Rewards Checking 可以获得 $150 开户奖励,截止日期 1/11/2023。
开户时使用优惠码 “HOLIDAY”,并且开户后 60 天内连续三个月 Direct Deposit $1000+/月即可(详情请查看官网条款):
To earn up to a $150 bonus, you must be approved for your new Axos Bank Rewards Checking account, fund it within 60 days of account opening, and have qualifying direct deposit(s) that total at least $1,000.00 each calendar month during the first three (3) calendar months your account is open. A cash bonus of up to $150 can be earned in the following manner during the first four (4) statement cycles. A statement cycle is a calendar month consisting of the days your account was open during that month. The three calendar-month qualification period includes the calendar month in which your account was opened. A maximum of three (3) payouts of $50 for each calendar month that the Rewards Checking account is receiving the direct deposit can be earned during the four (4) statement cycles and the bonus will be deposited into your Axos Bank Rewards Checking account within 10 business days following the end of the statement cycle in which the balance requirement was met. Your Axos Bank Rewards Checking account must be open and in good standing at the time the bonus is paid to be eligible to receive the bonus and your Axos Bank Rewards Checking account must remain open for 180 days or an early closure fee of up to $150 may apply, equal to the amount of the total bonus earned. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, from your employer or government agency. Other deposits (i.e. online banking transfers, ATM and mobile check deposits etc...) or person to person payments are not considered direct deposit.
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关于 Direct Deposit
Direct Deposit 需要来自 Payroll 或政府福利打款,但根据 DoC 上的数据点,下面的方式也可以触发:
  • Capital One
  • Charles Schwab
  • SoFi
以上数据点可能随时会变,不保证随时有效,最保险的方法还是 Payroll。
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账户特色
  • 完全免费,无月费;
  • 无 Overdraft 费;
  • 开户最低金额为 $50,但无每月最低存款额要求;
  • 作为一个 Checking 账户,提供最高 1.00% APY;
  • 美国境内 ATM 机存取款完全免费;
  • 至少要保持账户 180 天,否则有 $100 提前关户费;
  • FDIC 成员,不怕银行破产;
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总结
作为一个免费的 Checking 账户,$300 的开户奖励还算可以,感兴趣的读者可以尝试下。另外,他们家还有超级多的其它金融服务,有些也有丰厚的开户奖励,有时间再为大家一一介绍。
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同类银行推荐
这类网上移动银行最近越来越受人们的青睐,大多数都提供免费的 Debit Card + Checking 和 Saving 账户,而且通常都有高额的开卡奖励。这里汇总一些本站推荐的同类平台供大家参考,后续也会持续更新:
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