请问一下大家：这个5k的monthly deposit是ach 或者zelle都可以吗？
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对 check也可以 任何渠道
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今天收到信看了下发现第一年收不到钱的改动是针对access investing的 
幸好我第一年的已经拿到了刚收到第二年的份
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所以是不是确实得第二年才能收到了？
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The Annual Engagement Bonus will be paid in the month following
the month you open your American Express Platinum Card (“the Card
Anniversary Month”) with the exception of the first year you open your
American Express Platinum Card.
• In the first year you open your Platinum CashPlus Account, and apply for
the American Express Platinum Card, there may be a three month grace
period (“the Grace Period”) before you receive the Annual Engagement
Bonus, but only if you do not meet the Fee Avoidance criteria for the
Platinum CashPlus Account during the Grace Period. If you meet the
Fee Avoidance Criteria prior to the expiration of the Grace Period, you
will receive the Annual Engagement Bonus the following month. If you
do not meet the Fee Avoidance Criteria during the Grace Period and are
charged a monthly fee at the expiration of the Grace Period, you will
receive the Annual Engagement Bonus the following month.
• Notwithstanding any other provision of this Disclosure Statement, if
you have not opened and maintained a qualified non-CashPlus Account
or if your only qualified non-CashPlus Account is a Morgan Stanley
Access Investing Account (“MSAI”), you will receive your first Annual
Engagement Bonus during the Card Anniversary Month that is 12
months after you first open your American Express Platinum Card and
subsequent Annual Engagement Bonuses will be paid annually thereafter.
第一年分两种情况，access investing的客户收不到，其他人会在三个月或一个月后收到
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这一点terms好像也有针对条款 
：
Intended Use
Morgan Stanley CashPlus Account(s) is intended to be used for holding
short-term assets, for spending and short-term savings and investment
purposes. As a brokerage account, your CashPlus Account(s) provides the
opportunity to purchase a range of short-term investment vehicles that
may be appropriate for these purposes.
Abusive and Excessive Use
Morgan Stanley reserves the right to revoke any account features and/or
close your CashPlus Account(s) for usage that we, in our discretion, deem
to be abusive or excessive. Examples of such behavior include, but are not
limited to:
• Excessive ATM fees as a result of multiple, small withdrawals in a
24-hour period;
• Excessive foreign exchange conversions; or
• Using the CashPlus Account in a manner other than its intended use.
就是说如果你哪怕不管那一点几的手续费打算买两万五基金丢里头也是违反规定的，就是不知道short-term investment vehicles具体指的是什么，可能是开头写的这些？
–The following option transactions are permitted:
–covered call writing
–purchase of protective puts
–writing cash-back puts
–purchase options
10倍超市你打算买傻？我一堆白金是这个
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first open your platinum card什么意思呢？如果在2年前就开了白金卡5月份刚扣年费的是不是直接满足了超过12个月了？
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所以就是access investing 不行。access direct还是可以拿到
“其他人” 还包括什么其他情况吗？
应该可以，就是可能那个白金卡的connection要像上面其他人一样打客服电话确认
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就是所有其他投资账户的持有人吧，估计是专门开access investing薅的人太多了
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你看下一段，access direct应该是适用的啊，就是一个月或者三个月
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it is clear.
真的沒收到再去找他們吧？
已經過了三個月了？
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嗯 我去撕了一下，后来给我回话说那天就给，然而过了三天还没有。。。
説白了就是沒錢 
感謝PO主分享。這個方法其實挺好的。
我正好Schwab那邊差不多有$30k在Robo Adviser可以挪過來。工資直接這個賬戶所以每月$5k沒壓力。這個賬戶也算是一個 emergency fund account 了。
最差的回報算下來就是年費 695 / 30k = 2.3%的“收益”。最爲low risk的閑錢還是很不錯的。
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嗯。免費副卡2023年后可以進百夫長lounge也算是一個bonus。
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所以现在这个方法首年没bonus了？
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根据这个规定，对于纯粹交月费的客户来说，第一年的年费和第一年的手续费等于双倍付出，一年后也就节约几十块，纯粹反薅。
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