How long do you have to keep money in Axos to get the bonus?
Plan on about 150 days with roughly $3,000 parked at Axos. Measured that way the Up to $200 bonus is worth 16.2% effective APY, which is the only honest way to compare it to a savings account.
Axos Basic Business Checking is a business offer.
The numbers, in full
| Payout | Up to $200 |
|---|---|
| What it takes | Hold $3,000 avg · $50 per cycle · code START200. |
| Direct deposit needed | No |
| Money tied up | $3,000 |
| Time committed | 150 days |
| Effective APY | 16.2% |
| Per hour of your time | $381/hr |
| When it pays | per cycle |
| Offer ends | Aug 30, 2026 |
| Last checked | Jul 5, 2026 |
What the return actually looks like
$3,000 committed for about 150 days pays $200, which annualizes to 16.2%.
Read this chart as a table
| Money committed for | Effective APY | Note |
|---|---|---|
| 30 days | 81.1% | |
| 45 days | 54.1% | |
| 60 days | 40.6% | |
| 90 days | 27.0% | |
| 120 days | 20.3% | |
| 150 days | 16.2% | The offer's own stated window |
| 180 days | 13.5% | |
| 270 days | 9.0% | |
| 365 days | 6.7% |
Open it
We have no referral for this one, so this goes straight to the public offer.
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