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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
  • $250.00 minimum balance required to open the account
  • 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%

Peer-to-Peer Payments

Pay your friends directly from your account. All you need is their mobile number or email. It’s fast, easy, and secure.

Account Alerts

Want to stay up-to-date on your activity? We’ve got you covered. Turn on alerts and get real-time updates on your account activity. Get notified via text, push notifications, or email – it’s all up to you!

Automate Your Bills

Never miss a bill payment again. With Bill Pay, you can truly “set it and forget it” by auto-paying bills directly from your account.

Debit Card Management

Activate, deactivate, or reactivate your debit card – all from your banking dashboard. Need a replacement card? Traveling soon? Not a problem – take care of all your debit card needs online.

Biometric Authentication

Fingerprints, voiceprints, and facial recognition = peace of mind. At Axos Bank, your security is our top concern. Boost your account security with biometric authentication – and keep the scammers away.

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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