Earn up to $200 after opening Axos Basic Business Checking and maintaining the qualifying balance.
The value proposition is straightforward: a modeled $200 net return with a manageable set of requirements. The real question is whether the steps fit your current cash flow and attention budget.
BusinessCheckingNo direct depositNo state restriction listedModerate friction
Gross bonus
$200
Headline payout before any modeled fee drag.
Funding threshold
$3,000
$3,000 opening deposit
Time to clear
~6 months
Longer runway: plan on about 180 days before the account is truly done.
Friction
Moderate friction
There are enough steps or holding time to warrant a tracker, even without direct-deposit setup.
Open with at least $3,000
Direct deposit
No DD
No payroll switch needed
Opening deposit
$3,000
Minimum cash to start
Hold period
180 days
Keep open through payout
Fee
No fee
No recurring fee modeled
Bonus ROI
7%
Bonus vs required funding
Execution Summary
What actually decides this offer
Primary requirement
Open with $3,000.
Primary constraint
Keep the account open for ~6 months.
Execution model
Works best if you can park at least $3,000 without straining working cash and leave the account open for ~6 months.
Cash profile: Meaningful cash need. Hold period: 180 days.
Checklist
How to complete it cleanly
2 steps
1
At opening
Open the checking account
Fund it with at least $3,000 and save a copy of the offer terms before you begin.
2
Keep account open for 180 days
Open a new Axos Basic Business Checking account with promo code START200 by June 30, 2026.
Maintain an average daily balance of at least $3,000 in four of the first five statement cycles to earn the full $200.
Through day 180
Keep the account open until the bonus is safe
Plan on about ~6 months before you consider the offer done.
Good Fit If
Who should actually do this
You want a bonus path that does not depend on changing direct deposit.
You can keep $3,000 parked without stressing your working cash.
You can keep another checking account open for about ~6 months without needing a quick exit.
Think Twice If
Where this can get annoying
You do not want to commit $3,000 to a new bank account.
You prefer faster-turn bonuses instead of multi-month hold periods.
You want a near-hands-off offer with only one step to track.
Watch For
Failure points before you start
Opening or funding requires at least $3,000, which reduces flexibility while the bonus is open.
Do not treat the account as finished until roughly day 180; early closure can wipe out the payout.
Axos's official Basic Business Checking page advertised the $200 START200 offer through June 30, 2026 when re-verified on May 10, 2026. Axos says this offer is for newly formed businesses that are less than one calendar year old and have not previously held primary ownership of an Axos small business banking account.
Related Offers
Other bank bonuses in the same neighborhood
U.S. Bank
Business Essentials Bonus
Higher modeled net value with a comparable qualification profile.
If this offer is the one you want to anchor around, send it straight into the planner and let it decide whether this bank bonus should be first, deferred, or left out.
