Skip to main content

New Customers

We offer a wide variety of deposit products including, Checking, Savings, Money Market, and Certificate of Deposit accounts.

To learn about our different Checking Accounts, click here.

You can view our disclosures here.

We offer a wide range of mortgage products to meet your needs. Click here to find out more.

Axos Bank is an FDIC insured technology-driven financial services company providing a diverse set of innovative products and services for personal, business, and institutional clients nationwide. Axos Bank has nearly $20.3 billion in assets and is headquartered in San Diego, California. We aspire to be the most innovative digital bank in the United States providing products and services superior to our competitors. Welcome to Axos Bank – Banking Evolved.

To learn more, click here.

Your account offers free ATM withdrawals at approximately 91,000 convenient locations across the nation. Use our ATM Locator to discover where you can make free ATM withdrawals near you. It’s also available when you log in online or in the app.

At Axos, we love hearing from our customers! You can reach us through any of the following channels:

Chat: Strike up a conversation 24/7 with Evo, our virtual financial assistant. To start interacting with Evo, log in online and select the Evo icon.

Secure Message: To send us a secure message, log in online or in the app and select Messages.

Phone: Contact a Direct Banker 24/7 (excluding Thanksgiving and Christmas) at 888-502-AXOS (2967).

Axos Bank fees are listed on our Personal Deposit Account Agreement and Schedule of Fees. Reimbursement of the ATM fees is dependent upon the type of account you have.

  • Unlimited domestic ATM fee reimbursements for Rewards Checking, Cashback Checking, and Essential Checking accounts
  • Up to $8.00 domestic ATM fee reimbursements per month for Golden Checking accounts

Existing Customers

To add an account owner, you'll need to download the "Add an Account Owner" form from the Secure Forms page within your account. Just visit

Once you've printed out the form and completed it, you can submit the form by selecting Upload your documents in the Secure Forms page.

It’s quick and easy:
  1. Log in and navigate to Profile & Settings.
  2. Select Direct Deposit.
  3. Follow the prompts.

    Taking money out of your retirement plan? Here's a tip: First consult a tax specialist to ensure you understand the potential tax implications.


    To withdraw funds from your IRA, you'll need to register for online access. Once you've done that, log in online or through the app, select the account, and choose Move Money.


    If you are having trouble registering, please call us at 888-502-AXOS (2967).

    You can make cash deposits at participating ATMs nationwide. Log in online and use our ATM Locator to find an ATM that accepts cash deposits. Funds availability may vary.


    You can also use our partnership with Green Dot Network® to deposit cash into your account at nearly 100,000 of America's largest and most respected retailers including 7-Eleven, ACE Cash Express, CVS, Dollar General, Kroger, Rite Aid Safeway, Walgreens, and Walmart. Ask the cashier to add cash directly to your Axos Bank debit card at the register. Axos Bank does not charge a fee, but retailers may charge up to $4.95. You can reload any amount from $20 to $500 (up to $1,000 at participating Walmart locations and up to $1,500 at participating ACE Cash Express locations), and funds are typically available for use on your card within 10 minutes. Visit to find a participating location near you.

    Though not as versatile as checking accounts, Axos Bank savings accounts offer several ways to withdraw money. With an Axos Bank savings account, you can:

    • Transfer funds to another account with Axos Bank or with another financial institution. Log in online, choose your account, and select Move Money.
    • Initiate a wire transfer. Log in online or through the app. Then, select the account, choose Move Money, and select Wire Transfers.
    • Make an ATM withdrawal. To discover where you can make free ATM withdrawals near you using your debit or ATM card, use our ATM Locator.

    Download the Mobile app from the Google Play store, or Apple iTunes store.


    1. Log in to the app and click “Deposit.”
    2. Follow the directions on the screen.


    Make sure you are in a well-lit area when taking a picture of your check.

    Placing the check on a dark background will help your camera detect the image.

    Tap the screen while taking the picture, your phone will focus in on the check.

    Check the mobile app store for the latest version of the app.

    You can easily manage your debit card within your account. Log in, select the account, and then you can select to manage your card. You can easily reorder a card, activate a new card, and make updates to your existing card whenever and wherever you want.

    We make it easy for you to wire money from your account. Simply log in online or in the app, select your account, choose Move Money, and select the Wire Transfers option.

    As a digital bank, we've made it easy for customers to submit all account-related requests online or through the app. Just sign in and complete your request.

    You can use your Visa® Debit card internationally anywhere a Visa card is accepted. There is a foreign currency conversion rate for all International Point of Sale (POS) transactions and ATM withdrawals. View our Disclosures page for rate information. There could be additional fees imposed by the merchant or ATM used.

    If you will be traveling, let us know by logging in and navigating to the Messages tab to send us a Secure Message. Provide the dates of your travel to ensure full, uninterrupted usage of your Card internationally.

    In accordance with Regulation CC, all checks deposited in person or by mail are subject to a hold period depending upon the type of check deposited and your relationship with the bank. Checks deposited via mobile deposit are not subject to Regulation CC but will have a 5-day hold. Please review our disclosures for more information.

    Please log in online or through the app and send us a secure message. Let us know which account you'd like to close, and a team member will get started on your request.

    Please send us a secure message from within your account:

    1. Navigate to the Messages tab at the top of your dashboard.
    2. Message us the last five digits of the account numbers of the Checking and Savings accounts you would like to link together.
    You can update your contact information from within online banking or using the mobile app. Select the circle with your initials, then choose "Contact Info" in the drop-down menu.
    Customers who take a distribution (withdrawal) from a Retirement account before reaching the age of 59 ½ may be subject to IRS taxes and penalties.
    Your required minimum distribution is the minimum amount you must withdraw from your account each year. You generally have to start taking withdrawals from your IRA account when you reach age 72 (70 ½ if you reach 70 ½ before January 1, 2020)
    Roth IRAs do not require withdrawals until after the death of the owner.

    To make a contribution to your Traditional IRA or Roth IRA, follow these steps: 

    1. Log in to online banking, select Support, and then select Secure Forms. 
    2. Within the Secure Forms page, select IRA Forms, and then download and print Form 500, also known as IRA Contribution Instructions. 
    3. Once you've filled out Form 500, scan and upload both the form and a copy of your voided, pre-printed check. You can upload these documents using the Upload Your Forms function of the Secure Forms page within online banking. 


    You receive a Fair Market Value statement if you have a balance in your IRA account on December 31. It’s a summary of your account that reports your year-end value. It is sent to you by January 31, and an electronic version is available within online banking if you registered for access by December 31.

    A 1099 R is a tax form generated for retirement accounts that had a reportable withdrawal (distribution) of $10 or more during the tax filing year. It is not necessary for transfers between IRA accounts or between Roth accounts. Axos Bank sends out 1099 R forms to customers each year by January 31. A copy of the 1099 R is also available in the Tax Forms section for customers that have registered for Online banking access by December 31. 1099 R’s will not reflect Non-reportable transfers.

    Form 5498 is informational and generated for retirement accounts with a reportable contribution, rollover, or conversion. It is provided to you in May if you completed a prior year contribution before the tax filing deadline. However, if the only reportable contribution, rollover or conversion you made was completed before December 31, the information will only be found on the Fair Market Value statement issued in January.

    These documents are available in the Tax Forms section within online banking. You can request duplicate Fair Market Value statements and 1099-R forms after January 31 and Form 5498 after May 31. 

    You can make a contribution to your IRA for a prior year by sending us a check or by ACH, but please ensure you respect the deadlines as explained below:


    By check: Clearly write the tax year on the Contribution Instructions form or in the memo line of the check deposit. The deadline for a prior year contribution is the individual tax return deadline, not including extensions. Only checks in envelopes postmarked by the tax filing due date for individuals will count as prior year contributions.


    By ACH: ACH contributions must be initiated early enough for the credit to reach the retirement account by the tax filing deadline for individuals. ACH instructions and ACH credits received after the tax filing deadline will NOT count toward the prior tax year.

    Homebuyer Customers

    Getting prequalified for a mortgage is the first step in the loan application process. Once you obtain pre-approval for a specific loan amount, you can start shopping for your home.

    A short sale occurs when a homeowner sells their property for less than the amount owed on their mortgage, and their mortgage lender agrees to the "short" payoff. Before you commit to purchasing a home as part of a short sale, be sure to consider the fact that a foreclosure on the property is still possible and short sale properties may have structural and other problems. In addition, short sales often take a long time to complete.

    When you receive the purchase contract from the seller’s agent, submit a copy to your mortgage consultant. We can then begin processing your home loan. If you have not done so already, now is the time to provide us with all of the necessary documents to verify your income and assets.

    There are two up-front costs that the buyer is responsible for when buying a home. First, there is earnest money, a nominal, good-faith deposit that shows you are serious about buying the home. It usually ranges from $500 to $2,000. Second, there is the down payment, which is a percentage of the cost of the home. The amount of the down payment depends on which type of loan you are using to purchase the home, but it is usually at least 10 percent of the home's purchase price. An exception would be a government-backed VA loan, which requires no down payment, although borrowers can choose to make a down payment if they desire.

    We are pleased to offer a conditional close-of-escrow guarantee. We will work with you and your real estate agent to make sure your loan closes according to your timeline. For this to occur, you will have to provide all of your required mortgage documents to us on time and do your part to prevent any delays along the way.

    Discount points are fees that you pay directly to your lender at close in exchange for a lower interest rate over the life of your mortgage. As a result of this one-time payment, also known as a prepaid interest payment, you will have a lower monthly mortgage payment.

    The cost of each discount point is equal to 1 percent of the principal loan amount. For example, if your principal loan amount is $200,000 mortgage, one discount point would equal $2,000. You can break discount points into fractions; for example, if your principal loan amount is $200,000, 1.50 discount points would equal $3,000.

    Whether paying discount points makes sense in your case depends, in part, on how long you plan to stay in your home. Use the following process to calculate your break-even point. Find the difference between the monthly payment without discount points and the monthly payment with discount points. Then, divide the amount charged for discount points by the amount you would save each month. The result is the number of months you would have to stay in your home in order to reach the break-even point on paying discount points.

    You can represent yourself in real estate transactions; however, a qualified real estate agent can bring valuable experience, skill, and insight to the home buying process. An experienced real estate professional can also look after your interests, especially during negotiations.

    The larger your down payment, the lower your monthly mortgage payment. However, your monthly payment will also depend on your credit history and the type of mortgage you choose. A standard down payment is 20%, but depending on the type of loan, the down payment can be anywhere from 0% (e.g., a VA Loan) to 3.5% (e.g., an FHA Loan) to 10% or more.

    The following table includes many of the expenses you will have as a new homeowner, and how often they will occur. Your exact expenses will depend on the price and location of your new home, the type of mortgage you choose, and other factors.

    Homeownership Expenses How Often
    Property Taxes Monthly/Annual
    Private Mortgage Insurance Monthly
    Homeowner's Insurance Monthly/Annual
    Homeowners Association Dues Monthly
    Utilities Monthly
    Maintenance and Repairs As needed
    Lawn Care and Landscaping Monthly

    When you borrow money through a home mortgage, you pay points at closing. Also known as “discount points,” this is money paid in exchange for a lower interest rate. You may also hear this referred to as “buying down the rate,” which can lower your monthly mortgage payments. A "point" is equal to 1 percent of the amount of your mortgage (or $1,000 for every $100,000 you have borrowed).

    Closing occurs when you sign all of the paperwork and are allowed to assume ownership of your new home. At this point, you will be responsible for certain applicable costs, such as title insurance, discount points, and fees for loan origination, loan applications, appraisals, housing surveys, and your first month of homeowner's insurance. Closing costs can total up to 8 percent of the purchase price of your new home.


    When you enter into a mortgage agreement with a bank, you’re signing a legal contract. According to the terms of that contract, you promise to pay back the loan, plus any agreed-upon interest and costs associated with the mortgage lending process.

    In order to secure the funds to purchase your new house, you use the house as collateral for the loan. If you fail to repay the loan, you agree that the bank can take back the house in lieu of repayment.

    Principal and Interest

    In mortgage lending, principal refers to the amount of money you borrow to finance the purchase of your home. You can lower this amount by making a larger down payment up front.

    The interest is the additional amount of money you agree to pay the bank in order to use the principal amount as payment for your new home. The interest rate is commonly expressed as a percentage. Your interest rate will depend on many factors, including whether you opt for a fixed rate or adjustable rate mortgage.

    Together, principal and interest will make up most of your monthly payment. Through a process called amortization, your initial monthly payments will go primarily toward paying down your interest, while your later monthly payments will go primarily toward paying down your principal balance.

    Taxes and Insurance

    Your mortgage payment will likely include taxes and insurance. If these are paid as part of your mortgage payment, they will be paid through an escrow account.

    Property taxes are levied by your community and are calculated as a percentage of the value of your property. Usually they are for local costs such as schools, roads, and public services. Keep in mind the amount of taxes you will have to pay on your property as you consider how much of a mortgage payment you can afford.

    In order to obtain a mortgage, most lenders require that you have a home insurance policy in place. It covers your home and personal property against fire, theft, and other damage and losses. If your property is located in a special flood hazard area, you will be required to carry flood insurance, as well.

    There are also cases in which you will be required to obtain additional insurance before being eligible for a mortgage. If you put down less than 20 percent on a conventional loan, you will probably be asked to get Private Mortgage Insurance (PMI). This PMI protects the lender in case you default on the mortgage. If you select a loan backed by the Federal Housing Administration (FHA), you’ll also have to pay mortgage insurance. This functions the same way as PMI, except that you must make payments for 11 years or the life of the loan, depending on your terms.

    We Are Here to Help

    If you have any questions as you begin hunting for your home, you can refer to the Axos Bank Guide to Buying Your First Home or contact our experienced Mortgage Consultants whenever you like.