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Business FAQs

First, log into Online Banking. Select the Options tab. Under Personal Settings, enter your password reset questions and answers, then select Submit to enable the feature.

To send a secure message, log into Online Banking and select “Secure Messages” on the left-hand navigation menu.

Your business account may be funded in one of the following ways:
  • Wire transaction: Transfer funds to your account at Axos Bank by providing the following information to the transferring institution, bank, or broker:
    • Axos Bank
    • ABA/Routing Transit Number — 122287251
    • Address:
    • Axos Bank
    • 4350 La Jolla Village Drive, Suite 140
    • San Diego, CA 92122

    • For the benefit of: your company name and your account number
      Wire cut-off time for same day processing: 1:00 p.m. (PT).
  • Mail a check:
    • Axos Bank
    • PO Box 509127
    • San Diego, CA 92150-9127
  • Utilize our mobile app: Remote Deposit Anywhere allows you to deposit a check simply by using your smartphone to take a photo of it. Deposits can be made 24/7 and are fast, easy and secure.
  • Have your financial institution initiate a transfer of money to our Bank.
All Business Banking Products and Services are offered by Axos Bank, which is an FDIC-insured financial institution. If you would like to calculate your insurance coverage, use the FDIC online Electronic Deposit Insurance Estimator at https://www5.fdic.gov/edie. For further information about temporary unlimited FDIC insurance coverage of some transaction accounts, visit www.fdic.gov. You can review all financials and recent news about Axos Bank at www.axosfinancial.com.
There are several ways that you can contact Axos Bank:
  • Secure message: Log into your account on the bottom left hand side of the screen you will see an option for Secure Messages. Select “Send Message” to send a Secure Message regarding your account.
  • Phone: Contact a Business Relationship Manager at 1-844-678-2726 during business hours Monday - Friday 6:00 a.m. to 6:00 p.m. (PT).
  • Fax: Contact Axos Bank via fax at 1-858-350-0443.
  • Traditional mail: Send mail via USPS to
    Axos Bank
    P.O. Box 509127
    San Diego, CA 92150-9127
  • Email: Send us an email at [email protected] Please note, unless you use secure messaging functionality, we strongly recommend that you never send confidential information using regular email.
The Axos Bank routing and transit number is 122287251.
Sending a wire out from Axos Bank
To send an outbound wire, please complete our wire form located in the Business Online Banking portal. Please send the wire form via secure message.
Outbound wires must be to the credit of the Axos Bank account holder.
  • Wire cut-off times:
  • Domestic – 1:00 p.m. (PT)
  • International – 12:00 p.m. (PT)
Wiring funds into Axos Bank

To wire funds into an Axos Bank account you will need the following information:
  • Axos Bank ABA/Routing Transit Number: 122287251
  • Address:
    Axos Bank
    4350 La Jolla Village Drive, Suite 140
    San Diego, CA 92122
Ensure the wire is to the benefit of your name and your account number at Axos Bank. Wire cut-off time for same day processing: 1:00 p.m. (PT). Should you or your bank have any questions, please contact a Business Relationship Manager at (844) 678-2726 during business hours Monday - Friday 6:00 a.m. to 6:00 p.m. (PT).
You may change your contact details using one of the following methods:
  • Secure message: Log into your account on the bottom left hand side of the screen you will see an option for Secure Messages. Select “Send Message” to send a Secure Message regarding your account. Please include all of the updated contact information in your email.
  • Phone: Contact a Business Relationship Manager at (844) 678-2726 during business hours Monday - Friday 6:00 a.m. to 6:00 p.m. (PT).
  • Fax: Send instructions, along with a signature, to 1-858-350-0443.
  • USPS: Send instructions, along with a signature, to Axos Bank P.O. Box 509127 San Diego, CA 92150-9127
  • For all Business Banking account types - Business Checking, Business Savings, Business Money Market, and Business Certificate of Deposit (CD)- we offer a convenient printable deposit slip – Universal Deposit Slip
  • We offer an online deposit slip and envelope request form for Business Checking and Business Savings accounts — Order Deposit Slips and Envelopes  
  • You can deposit checks instantly from the comfort of your home or office using Mobile Deposit. Mobile Deposit is our remote deposit solution that enables you to scan checks from your computer and have the scanned images electronically transmitted into your account.
With an Axos Bank online bank account, you can use any ATM nationwide — any brand.
The ATM/debit card limits per issued card are as follows:

ATM LIMIT POS/PURCHASE LIMIT
$1,010 $5,000
Yes, you may designate individual accessibility levels to people associated with your business, which allows for added flexibility, security, and accountability. Please contact a business Relationship Manager for more details: (844) 678-2726. To send a Secure Message: Log into your account; on the bottom left-hand side of the screen you will see an option for Secure Messages. Select “Send Message” to send a Secure Message regarding your account.
Yes. As a digital bank , we require that you have a current email address and access to a computer. When you apply for an account with Axos Bank, you are asked to give your consent to receive communication and information in electronic form. Axos Bank is able to offer competitive interest rates and accounts due to the fact that we save money on being a branchless bank and do not send out paper communications.
Please view our Business Banking Account Documentation Checklist  for information on the documentation necessary to open an account. When you’re ready to proceed, please click here to open your account.
At this time, Axos Bank only extends business accounts to companies within the United States
If you have an active credit freeze, please place a Global Release removal from your TransUnion report before applying. You may reinstate your credit freeze after the application has been processed.
Axos will not be able to process or approve your application with a ChexSystems freeze in place. Please remove the freeze before applying.
Axos can only accept a PO Box or a registered agent’s address as the mailing address. We require a physical address for the business and all owners and signers.
Any electric, gas, water, or internet bill will be accepted. Mobile phone bills will not be accepted.
You may use a passport as valid ID. Please keep in mind that foreign passports may increase processing times.

As an online bank, we rely on diverse methods to verify information provided to us during the application process. At times, events may occur that cause us to decline a request to open a new account.

An application may also be declined if the business is in a restricted industry, such as cannabis distributors or dispensaries, cryptocurrency, internet gambling businesses, money service businesses, or companion services.

U.S. citizenship is not required in order to open an account or be a signer on a business account, but you must be a U.S. resident with a physical U.S. address and social security number.

If you are not a U.S. citizen, we may request additional documents such as your passport and permanent resident card.

First, log into Online Banking. Select the E-Docs tab. Under Documents and Settings, check the accounts and documents you'd like to enroll. Then, save your settings.

Your account and routing numbers were provided in the Welcome Letter sent in your application message portal. Another location in which you can find your account number is through your monthly statements, which are generated on the 1st business day of each month. For your convenience, we can provide you with the routing number.

Routing: 122287251

The routing number and account number can also be found on the checks that were provided upon account opening, if they were requested on your initial application.

Please login to your Online Banking Portal and select the forms link from the online banking home page. You will be able to download the form and send via secure message.
Checks and a debit card were ordered upon opening your account, if you requested them when completing your initial application. Please allow 7-10 business days for delivery
Checks and a debit card are mailed to the business mailing address on file.

To gain access to the statements you must enroll. We recommend enrolling when you first register for online banking. To do this log in to your account and select the option for E-docs. You will be prompted to enter in information to get enrolled. Once completed your statements will be generated on the third day after a cycle end.

If you did not enroll in E-docs upon registering, any statements that would have been generated before you enrolled will not be included in the eDocs tab.

To access those statements, you will need to go through the Online Banking tab. Select My Accounts. On the far-right side, under Options, select from the drop-down menu of the account you want to view the statement for Text Statements. You should see a list of statements. Select the format you would like to view your statement in.

If the transfer is going to another entity or bank, you would use our Bill Pay feature on your desktop browser or mobile app. Be sure to add the new Payees prior to using the app for transfers. There is a new transfer option available in Bill Pay.

Under the Bill Pay tab you will see the option to transfer or send payment via check, ACH or email.

If you would like to process an incoming transfer from another bank or institution, you would initiate the transfer from the other bank or institution.

If it is a transfer within AXOS from your business account to another AXOS business or personal account, then you would send us a secure message with details of the transfer, and we will process it for you.

If you are unable to create new payees on the mobile app, please use the desktop browser Bill Pay.

To set up or change your PIN, please call 800-290-7893 (or, if outside the U.S., 206-624-7998).
Phone: Call 1-866-493-0493 from the phone number we have on record.
Limits cannot be increased for Bill Pay. Please use the other Bill Pay options, Company, Individual, or transfer instead of the Email Payment. The Email payment has a max limit of $2,500. The other options have a max of $100k for Company/ Transfer and $10k for individual.
If the Bill Pay tab is blank, please call us at (844)678-2726 or send a secure message requesting to activate the Bill Pay option.
Bill Pay ACH/Bill Pay options typically take 1-3 business days to arrive in an account. If you had selected the Bill Pay check option, Bill Pay will physically cut a check. This check is sent through regular mail and may take up to 7 -10 business days.

Business Checking Frequently Asked Questions

Checks must be made payable to your business exactly as the name appears on your account or you may make checks payable to Axos Bank. In addition, you may endorse the back of the check “For Deposit Only” followed by your signature and the account number.
You can access your online bank account, make payments, or move your money in a variety of ways:
  • Use your Visa® Debit card or checks for purchases and payments.
  • Pay your bills using our Bill Pay service. 
  • Get cash from any ATM nationwide (no matter which bank).
  • Access your accounts through our and use many of the same features as Online Banking.
  • Deposit checks with the Axos Bank mobile app.
Basic Business Checking, Business Interest Checking, Business Money Market and Non-Profit and Association Money Market accounts have the option to order an introductory starter pack of 50 checks at account opening. Analyzed Checking accounts are eligible for a credit of up to $50 off their first order when purchased through Harland Clarke. Rebate is provided in the form of an account credit. Subsequent checks can be purchased from the provider of your choice, such as . Our routing number is 122287251.
Regulation CC requires that financial institutions such as Axos Bank inform customers when check holds have been placed. Axos Bank may delay the availability to funds from your check deposits to allow us time to verify the deposit and ensure the funds are collected. The email notice states when the funds will be available. Refer to the Funds Availability Policy for further details.
The hold time is sent out in the email notifying you of the hold. Refer to the Funds Availability Policy for further details.

Business Money Market & Business Savings Frequently Asked Questions

Checks must be made payable to your business exactly as its name appears on your account. You may also make checks payable to Axos Bank or endorse the back of the check “For Deposit Only” followed by your signature and the account number.
You can withdraw money from your account via a wire transfer. Business Savings Account holders who have a checking account with bill pay can also withdraw money from the account online via funds transfer. Business Money Market account holders also have the option of using their debit card, writing a check from the account, or withdrawing money online via funds transfer.
Federal law limits the number of withdrawals and transfers from all U.S. savings and money market accounts to six (6) transfers per statement cycle. For each transaction that exceeds this limit, you will pay a $10 fee. See the Business Deposit Account Agreement and Schedule of Fees for more information.
Federal law limits the number of withdrawals and transfers from all U.S. savings and money market accounts to six (6) transfers per statement cycle. For each transaction that exceeds this limit, you will pay a $10 fee. See the Business Deposit Account Agreement and Schedule of Fees for more information.

Business Certificate of Deposit Frequently Asked Questions

To renew a Certificate of Deposit, you may use one of the following methods:
  • Secure message: Log into your account on the bottom left-hand side of the screen you will see an option for Secure Messages. Select “Send Message” to send a Secure Message regarding your account. Please include in your email the new term you wish to renew your Certificate of Deposit into.
  • Phone: Contact a Business Relationship Manager at 1-844-678-2726 during business hours Monday through Friday 6:00 a.m. to 6:00 p.m. (PST).
  • Fax: Send instructions, including the new term and your signature, to 1-858-350-0443.
  • USPS: Send instructions, including the new term and your signature, to
    Axos Bank
    PO Box 509127
    San Diego, CA 92150-9127
Business CDs automatically renew for the same term and at the current interest rate then paid for the term in which the account was renewed. The grace period to make changes without penalty is 10 calendar days from the maturity date. For complete details, please refer to our Business Deposit Account Agreement and Schedule of Fees.
It is best to leave your money in the CD for the entire term. An early withdrawal penalty will apply if you withdraw any or all of your funds before the CD matures. For complete details, please refer to our Business Deposit Account Agreement and Schedule of Fees.
Yes. Please use the following form to request interest disbursements: click here
Axos Bank does not charge any fees to open or maintain a certificate of deposit.
No. Additional deposits cannot be made during the initial term of a CD. Once the CD matures, however, you will have the opportunity to deposit additional funds and roll over the CD into a new term. This can be done during the 10-day grace period that commences at the maturity date.

Signer/Business Name Changes Frequently Asked Questions

To add additional signers on your account, please send us a secure message through the online banking portal with the following:
  1. A clear color photo of Driver License, or other government ID, for the new/current signers.
  2. Articles, a letter signed by current authorized signer, or operating agreements showing the new signers are associated with the business.
  3. Fill out the Signer Update Section within the “Account Maintenance Form”.
To remove signers on your account, please send us a secure message through the online banking portal with the following:
  1. Articles, a letter signed by current authorized signer, or operating agreements showing the new signers are associated with the business.
  2. Fill out the Signer Update Section within the “Account Maintenance Form”.
Please send a secure message providing us with the following:
  • Articles of Formation filed with the Secretary of State
  • Letter from the IRS confirming your Business EIN
  • Fill out the Business Name Change Section within the “Account Maintenance Form”.
Please send a secure message through the online banking portal with the following documents:
  • Fictitious Business Name (FBN) statement or Doing Business As (DBA) filing for your business.
  • Fill out the DBA Addition Section within the “Account Maintenance Form”.

If the EIN was changed with the IRS, please submit a new application. We are unable to convert the existing account since it is considered a new entity.

https://www.axosbank.com/Business/Open-Account-Return-to-Application