意外發現美國開戶獎勵還蠻多的, 但需要滿足 90天內有一個 Direct Deposit, 金額是$500~$10,000 不同銀行金額不同, 符合資格獲得相對應現金回饋, 然後 Direct Deposit 限制也蠻嚴格, 不能是一般人P2P匯款, 像是ACH, Zella 小額轉帳那些都不算 Direct Deposit, 只有Salary匯入才算, 如果有其他Deposit, 最保險是先跟銀行確認清楚算不算, 很幸運我面試第一間遠端就入取, 算是約聘職位, 遠端公司用Deel發薪水, 想說當然就利用一下幫自己買些新家電 ：）
整理幾間要申請的銀行:
1. First Hawaii Bank, Priority Banking Gold, $350, Deposit $500, 開戶90天內
Enjoy a $350 statement credit when you open a new Personal Priority BankingSM checking account by April 30, 2026, and make a new direct deposit(s) of $500 within 60 days.1,2
優勢: 夏威夷本土銀行, 方便日常使用, Saving Interest Rate 算低2%
劣勢: SEP-IRA等服務較不健全, $15/mo fee waived with Keep $6,000 combined balance across all FHB linked accounts or $2000 direct deposit
- Chase, Checking Account, $400, Deposit $1,000, 開戶90天內
Enjoy a $400checking account bonus as a new Chase checking customer, when you open a Chase Total Checking® account1 and make direct deposits totaling $1,000 or more within 90 days of offer enrollment.
優勢: 美國摩根大通銀行, 為來要做SEP-IRA, 可以Chase連接卷商定期定額, 各項服務整合比較完整
劣勢: 夏威夷沒有據點, $15/mo fee waived with $500 direct deposit or Keep $1,500 daily balance.
如果要開Chase要注意, 每個月至少要depoit $500~$1,000, 才可以waived每月的fee, 需長期規劃給SEP-IRA投資使用
- Sofi, $400, Checking Account, Deposit $5,000, 開戶25天內
Earn up to a $400 checking account bonus. Set up an eligible direct deposit from your employer, payroll, or benefits provider. To qualify for the $400 bonus, you must receive at least $5,000 in total qualifying direct deposits within a 25-day period.
優勢: 屬於網路銀行, Saving 活存利率最高3.3%APY, 完全沒有monthly fee
- Bank of America, $ $100–$500, $100 with $2,000 Deposit · $300 with $5,000 Deposit· $500 with $10,000 Deposit (目前薪水沒有那麼高所以暫時不考慮）
目標可以拿到 : $350(FHB)+ $400(Chase) + $400(sofi) = $1150
打算買一台咖啡機跟一個Blender!
