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Axos Bank Checking & Savings

Get Rewarded With Up to 3.30% APY*

Get a personal bank account tailored to your needs. Choose from Rewards Checking with up to 3.30% APY*, CashBack Checking for 1.00% cash back on purchases1, or High Yield Savings with up to 0.61% APY**. Axos has online bank accounts to help maximize your money.


Among the Best Online Banks 2022

Forbes Advisor


Best Checking Account for High Interest



Best Checking Account Overall

Motley Fool's The Ascent

Our Leading Personal Banking Products and Services

Find the perfect bank account for you. Whether it’s a checking account for your day-to-day or a savings account for your future, you can count on Axos for reliable and safe online banking.

Personal Checking

Bank on high interest rates, rewards, and little to no fees.

Personal Savings

Make your savings go further, faster daily compounding and no fees.

Certificates of Deposit (CDs)

Get guaranteed returns for terms of 3- to 60-months.


Welcome to premium banking with expedited service and exclusive rewards.

Why Choose Axos?

We are experts in online banking - offering competitive rates and a distinguished history. Our comprehensive range of financial services are designed to empower you on your journey to financial freedom.

Allow us to introduce ourselves - We have been at the forefront of digital banking since 2000, constantly innovating to provide frictionless financial solutions.

We believe in liberating individuals from the confines of traditional banking by offering support anytime you need it.

With our cutting-edge tools and services, you have the freedom to access and manage your money how, when, and where you prefer.

Find the Bank Account That’s Right for You

Meet our most popular checking, savings, and premium banking accounts.

Personal Banking

It takes more than a website to be an online bank. Our dedicated support team makes sure your needs are met.

Holistic Money Management

Our all-inclusive app is specially crafted to not only handle your Axos accounts but also to take care of your overall financial well-being.

Savings Straight to You

We’re here to help you maximize your money. We do that with competitive rates and fewer fees.

Checking Accounts: Making Everyday Money Moves Easy

Rewards Checking

Reward yourself with APY that’s up to 47x the national average1.

  • Up to 3.30% APY*
  • No monthly maintenance fees
  • Unlimited domestic ATM fee reimbursements

CashBack Checking

The more you spend, the more you get back.

  • Earn up to 1.00% cash back2
  • No monthly maintenance fees
  • Unlimited domestic ATM fee reimbursements

Essential Checking

Banking without the fees or the frills.

  • Early direct deposit3
  • No monthly maintenance fees
  • Unlimited domestic ATM fee reimbursements

Savings Accounts: Competitive Rates Formulated to Reach Your Goals

High Yield Savings

No risk, high reward.

  • Up to 0.61% APY**
  • No monthly maintenance fees
  • No minimum balance requirements

High Yield Money Market

The best of savings and checking.

  • Earn up to 0.25% APY**
  • Check-writing privileges
  • No monthly maintenance fees

Certificates of Deposit (CDs)

Reach your goals with guaranteed returns.

  • 3- to 60-month terms
  • No setup or maintenance fees
  • Open with as little as $1,000

Premium Banking: Exclusive Accounts to Help You Manage Your Funds

InsureGuard+ Savings

Expand your FDIC insurance through a single banking relationship.

  • Multimillion-dollar FDIC insurance
  • Competitive banking rates
  • Maintain single bank relationship

Private Client Banking

Access premium checking and savings with world-class rewards.

  • No banking fees
  • High transaction limits
  • Priority Pass Lounge access

World Checking & Savings

Enjoy VIP banking from around the world.

  • International fee reimbursements
  • Competitive rates
  • Unlimited check writing

Digital tools at your fingertips.

Easier, smarter banking starts with the Axos all-in-one mobile app.

  • Sync all financial accounts into one dashboard.
  • Analyze your saving and spending behavior.
  • Chat 24/7 with a virtual financial assistant.
  • Add, move, and send money to friends and others.
  • Automate your bill payments.
  • Monitor your credit score for free.

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

Need more protection? Access expanded coverage up to $240 million with Axos Bank InsureGuard+ Savings from IntraFi® Network DepositsSM. Learn More >

APY Calculator

Estimate how much you can earn.

Savings Goal Calculator

Set your timeline to meet your goal.

College Savings Calculator

Establish your college savings goal.

Want to know more about our personal banking products and services?

  • Axos gives you all the features of a traditional bank account without having to go to a physical branch. All you need is access to the internet via your phone or computer.