refer是大头啊 
顺便citi超过$600才发MISC税表 
它家300不发1099int吗
收到了MANUFACTURERS AND TRADERS TRUST COMPANY的1099int搜了下才知道是M&T Bank
那只能自己填填了
多谢！那我还是得死等WF的$325…
不知道为啥时间差这么久。。。可能是我年底前为了薅Premier开了个CD所以情况相对复杂。。。
OMB No. 为什么要涂掉？不是都一样的吗？https://www.irs.gov/pub/irs-pdf/f1099int.pdf
今天收到了IRS 1099-INT.
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Santander似乎一直沒有收到 
1099-misc是不低于$600 (我记得ETrade和Merrill的Brokerage账户的Bonus都算misc)
1099-int是要不低于$10吧。。。俩块钱过于夸张了。。。Chase太闲了。。。
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不发表也要报？银行不发表我也记不得呀
Your Checking Account must remain open until you are paid.
To remain eligible, your Checking Account must remain open and in good standing from the time it’s opened until you receive your $325 Bonus. Please keep a balance in your Checking Account because accounts that maintain a zero balance for 90 calendar days are subject to closure in Citibank’s sole discretion. Your $325 Bonus will be paid to your Checking Account within 30 days after you successfully complete all Required Activities; however multiple enrollments in the offers stated above may lengthen the amount of time it takes to pay you your Bonus by as much as 90 days because you only will be awarded the offer with the highest Bonus value.
Important Tax Information:
The Bonus will be reported to the IRS as interest to the first titled owner on the account, in the year received, as required by applicable law. Bonus payments received by U.S. persons will be reported on IRS Form 1099-INT for the year received. Bonus payments received by non-U.S. persons will be reported on IRS Form 1042-S for the year received. Customer is responsible for any applicable taxes and consulting a tax advisor. Citi is not a tax advisor.
1099-MISC
这个是如果任何人有了非雇佣收入，而且1年内在从同一个机构或者个人拿到了超过$600的钱，付钱的机构或者个人需要给收钱人开具的1099表，当然，这个表必须同时给IRS汇报这笔收入。常见的会收到1099-MISC的行为比如给会议审稿，会议付了工资之类的。但是银行偶尔也会发1099-MISC。最出名的就是Citibank，如果通过开Checking拿到了ThankYou Point(TYP)，比如Citigold Checking有时候会给5万TYP开户奖励，如果在同一个年度内兑换的这样的Thank You Point的价值超过了600美元，Citi会给1099-MISC表格。和1099-INT里面说的一样，如果是申请信用卡拿到的TYP，无论兑换价值是多少，都不会收到任何的1099表格
上次拿的是现金300 ，不是typ，它家条款应该是typ拿的是misc吧。就差citi这家了。这次应该是会发1099。int感觉
我去。。。第一次知道
不过好过未来irs让我第一次知道。。。
到了：
信：AXOS, M&T, BoA, Wells Fargo, Citizens.
电子版：AXOS, Amex, Wells Fargo, Fidelity
没到:
Citi,
Upgrade（没有refer，据说不发？那自己咋报啊）,
Santander (sub拿到之后关checking了，现在账户好像也被关了，登不上）,
Robinhood (看app里说要2.18，卡turbo tax ddl了)
我的 Santander 在 web banking 里面出现了，日期显示是 01/27
但是我的 citizen 还没到，可能 NRA 就不发了？都不知道怎么报税了
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今天看informed delivery里面有两封amex的信。一封有solo prop的company name一封没有。感觉是refer bonus。
amex business checking的1099int电子版也收到了，为了开户奖励得了大概15刀的利息
Upgrade要自己找资料？
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