Business Interest Checking

Boost Your Business Checking With 1.01% APY*

Smarter online banking for growing businesses with cash reserves. Start earning more with a competitive interest rate.

Among the Best Business Checking Accounts

Forbes Advisor

One of the Best Banks for Small Business

NerdWallet

Best Business Bank Accounts

WalletHub

More ways to boost your business.

  • Earn up to 1.01% APY*
  • $100 minimum opening deposit
  • Unlimited domestic ATM fee reimbursements
  • $10 monthly maintenance fee is waived with $5,000 minimum average daily balance
  • Up to 60 items per month for remote deposit
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Accounting is better when you combine Axos with QuickBooks and Quicken.

Run, protect, and grow your business anytime, anywhere by syncing your Axos account. From bookkeeping to tax preparation and financial reporting, our digital approach provides the technology your business needs.

  • Manage your accounts directly through your profile.
  • Export statements straight from the Axos App.
  • Automated transactions keep you updated on account activity, real-time and on-the-go.
  • Account information is protected 24/7 with bank-level encryption.

Small Business Interest Checking Rates

Balance

APY*

Rate

$0 - $49,999.99

1.01%

1.01%

$50,000 - $249,999.99

0.20%

0.20%

$250,000 - $499,999.99

0.10%

0.10%

$500,000 - $699,999.99

0.10%

0.10%

$700,000 - $999,999.99

0.10%

0.10%

$1,000,000 - $4,999,999.99

0.10%

0.10%

$5,000,000 or More

Contact a Business Banking Relationship Manager at 844-678-2726 for current rates.

Contact a Business Banking Relationship Manager at 844-678-2726 for current rates.

Mobile Banking

Manage your business funds with your personal funds anytime, anywhere. Download our mobile app to view account balances, deposit checks, and more, all in one place.

Scan the QR Code and get the app.

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Business Services

From merchant services to SBA Loans, we offer a wide variety of services to help small business owners succeed.

Other services include:

  • Payroll
  • Treasury Management
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Relationship Managers

Need a helping hand? Our dedicated relationship managers are here to walk you through any of your questions.

Speak with a relationship manager Monday-Friday 6 a.m. to 6 p.m. PT, excluding federal holidays.

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Deposit accounts FDIC insured up to $250K individual and $500K joint

Need more protection? Access expanded coverage up to $265 million with Axos Bank InsureGuard+ Savings from IntraFi® Network DepositsSM.

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Request a Callback to Inquire About Details

By providing your phone number and clicking Submit, you have agreed to these Terms and Conditions, and you have agreed to receive automated SMS text messages, calls, and emails for any purpose including but not limited to marketing of products and services by Axos Bank. You understand and agree that such messages may be sent via Automatic Telephone Dialing System and/or artificial or pre-recorded voice, and that such consent is not a condition of receipt of any good or service. Mobile carrier messages and data rates may apply. You may opt out at any time.

Your one-stop shop for managing finances.

Easier, smarter banking starts with the Axos All-In-One Mobile App.

  • View your business and personal bank accounts.
  • Send wire transfers and schedule bill payments.
  • Keep your accounts safe with enhanced security measures.
  • Easily move money between accounts.
  • Balance your books with accounting software integration.

© 2025 Axos Financial, Inc., All Rights Reserved. © 2025 Axos Bank, All Rights Reserved. © 2025 Axos Invest LLC. Member FINRA & SIPC. All Rights Reserved. © 2025 Axos Invest, Inc. All Rights Reserved.

Bank products and services are offered by Axos Bank®. All deposit accounts through Axos Bank brands are FDIC insured through Axos Bank. All deposit accounts of the same ownership and/or vesting held at Axos Bank are combined and insured under the same FDIC Certificate 35546. All deposit accounts through Axos Bank brands are not separately insured by the FDIC from other deposit accounts held with the same ownership and/or vesting at Axos Bank. For more information read Axos Bank’s FDIC Notice.

Advisory services are offered by Axos Invest, Inc., an investment adviser registered with the Securities and Exchange Commission (“SEC”). For information about our advisory services, please view our Form CRS or our ADV Part 2A Brochure, free of charge. Brokerage services and securities products are offered by Axos Invest LLC, Member FINRA & SIPC. YOU MAY FIND MORE INFORMATION ABOUT OUR FIRM ON FINRA’S BROKERCHECK. View the background of this firm, or REVIEW our Form CRS. All cash and securities held in Axos Invest client accounts are protected by SIPC up to $500,000, with a limit of $250,000 for cash. Read more information about SIPC on the SIPC web page.

Securities and other non-deposit investment products and services are not deposits, obligations of or guaranteed by Axos Bank, are not insured by the FDIC or any governmental agency, and are subject to investment risk including possible loss of the principal invested. Past performance of a security does not guarantee future results or success.

Axos Invest LLC, Axos Invest, Inc., and Axos Bank are separate but affiliated companies.

Axos Bank NMLS# 524995

*

The Annual Percentage Yield (APY) is accurate as of 12/11/2025. The interest rate and corresponding APY for this account is variable and is set at our discretion. This is a tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.

1. Each business entity may only open one new Small Business Interest Checking account.

Apple, the Apple logo, Apple Pay, iPhone, Passbook, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are a trademarks of Apple Inc.

Axos Bank, Forbes Advisor "Among the Best Business Checking Accounts". ©2023 and TM, Forbes Advisor. All Rights Reserved. Please review the article, "Best Business Checking Accounts Of January 2023".