First Checking

Welcome to Banking 101

Ready to teach your teen money management? First Checking offers financial freedom with the security of a joint checking account.¹ No fees, plus skills to last a lifetime.

Open an Account

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Best Online Banks for 2023: Best for Mobile Banking

Investopedia

Best Online Banks 2023

GoBankingRates

One of the Best Joint Banking Accounts 2023

Smart Spending Starts here

Earn 0.10% APY*

Zero monthly maintenance fees

Zero overdraft and non-sufficient fees

Designed to introduce your teenager to personal finance.

For ages 13-17 years old
Earn 0.10% APY^*
Zero monthly maintenance fees
Zero overdraft or non-sufficient funds fees
Up to $12 domestic ATM fee reimbursements per month
Daily transaction limits ($100 cash, $500 debit)

Helpful Banking Features

Our innovative online banking platform offers all the features you need to make banking easier and better.

Sync all financial accounts into one dashboard
Chat 24/7 with a virtual financial assistant
Analyze your spending behavior

Log in securely with biometric identification
Send payments and wire transfers quickly
Automate your bill payments

Security You Can Count On

2-Step Authentication

For identity verification, we ask questions that only you know the answer to or we'll send a security code to your registered device.
SSL Encryption

Our 128-bit Secure Socket Layer (SSL) encryption ensures your data remains private and secure.
Anti-Virus and Malware Protection

We execute regular updates to detect and prevent viruses and malicious software.

Automatic Logout

Inactive sessions are automatically logged out to prevent unauthorized data collection or use of your accounts.
Account Monitoring

All accounts are regularly monitored for potential fraud.
Usernames and Passwords

We do not and will not share your usernames or passwords.

Frequently Asked Questions

We are a technology-driven online bank that offers a wide variety of checking accounts, savings accounts, loans, and business financing. Since 2000, we’ve worked hard to free customers from the limitations of traditional banks.
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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 to online banking and select the icon in the lower right corner of the page.

Secure Message: To send us a secure message, log in to your account and select Messages.

Phone: Contact a Direct Banker 24/7 (excluding Thanksgiving and Christmas) at 888-502-AXOS (2967).
If you’re tired of traditional banks’ high fees and hidden costs, online accounts are a great alternative.

As an online bank, we have lower operating costs – this means that we don’t need to charge you for features that other banks call “perks.” This means little to no fees, higher interest rates, and a suite of digital tools that make money management more simple. And, because we’re backed by the FDIC, you can rest assured that your money is safe with us.