Axos Bank $200 Business Checking Bonus (2026) - Review & Requirements
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- Keep a $3,000 average balance over the roughly 120-day qualification window
- Minimum opening deposit: $0
- Enter the offer's promo code when you apply
- Availability: Nationwide
- Lifetime limit: one bonus per customer
- ChexSystems sensitivity: Medium
- Credit pull: soft pull only
- Monthly fee: $0 — No monthly maintenance fees
- Early closure fee: $200
- Bonus posts: ~150 days
- Account hold: Must keep open 180 days
- Holding period: 120 days
Overview
Axos Bank is currently offering a $200 business checking bonus for newly formed businesses. The qualifying activity is a $3,000 average daily balance, paying $50 per statement cycle in any four of the first five. The eligible account has no monthly maintenance fee.
Pros
Cons
Notes
Apply with promo code START200 and fund the account within 60 days of approval. Hold a $3,000 average daily balance; each qualifying statement cycle pays $50, up to $200 across the first five cycles. Keep the account open at least 180 days to avoid an early-closure fee of up to $200.
How This Compares to Other Bonuses
Axos Bank's $200 offer is closest in headline value to CIBC US's $200 checking bonus. Compare the balance requirement, business-age eligibility, fees, approval sensitivity, and payout timing, not only the advertised amount.
Frequently Asked Questions
What is the current Axos Bank business checking bonus?
Axos Bank currently advertises $200 with promo code START200: a $50 payout in any four of the first five statement cycles where your average daily balance is at least $3,000.
Can an established business get this bonus?
No. Axos limits this promotion to businesses established less than one calendar year before the application date, and may verify the formation date through Secretary of State records.
Does the Axos Bank bonus require direct deposit?
No. The only earning requirement is the $3,000 average daily balance per statement cycle.
When should the Axos Bank bonus post?
Each $50 installment posts within 10 business days after the statement cycle in which you met the balance requirement.
Full Requirements
Apply with promo code START200 by 1/31/2027 and fund the account within 60 days of approval
Fees
No monthly maintenance fees
ChexSystems & Credit Pull
Online bank typically uses soft pull for business checking accounts
Eligibility
Only for NEW businesses: formed less than 1 calendar year before the application date (Axos may verify the formation date via Secretary of State records). Must never have held an Axos small-business account. Nationwide; valid business entity required.
Apply
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Sources (2)
We last checked this against the bank's page on September 11, 2026.
Add this offer directly to your dashboard so you can track its requirements, deadline, and payout.
Stacks OS also tells you which bonus to do next for YOUR paycheck.
What actually counts as a direct deposit at 53 banks. Fidelity, Schwab, ACH pushes, all in one printable table, verified.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.