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Golden Checking

Safe, Smarter Banking

The checking account for customers 55+ years young. Enjoy zero maintenance fees with complimentary personal checks.


Among the Best Online Banks

Forbes Advisor 2022


Best Online Banks

MyBankTracker 2019, 2020, 2021, 2022


Best Online Banks for 2023: Best for Mobile Banking


Bank With Confidence

  • 0.10% APY* on all balances
  • Up to $8 domestic ATM fee reimbursements per month
  • Free personal checks1
  • No monthly maintenance fees

Golden Checking

Golden Checking
Tier APY* Rate
$0 - $9,999.99 0.10% 0.10%
$10,000 - $24,999.99 0.10% 0.10%
$25,000 - $49,999.99 0.10% 0.10%
$50,000 - $99,999.99 0.10% 0.10%
>$100,000 0.10% 0.10%

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.

Security You Can Count On

Anti-virus and Malware Protection

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

2-Step Authentication

For identity verification, we ask questions that you only 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.

Account Monitoring

All accounts are regularly monitored for potential fraud.

Automatic Logout

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

Usernames and Passwords

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


Ready to apply?

All you need is a valid ID, your Social Security number, and 15 minutes.

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