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Rewards Checking

$100 New Account Bonus When You Dive into Rewards Checking!

Earn up to 1.25% APY* and enjoy unlimited ATM fee reimbursements and no monthly services fees. Apply by September 30th and you could also get a $100 welcome bonus!


Best Overall Bank Checking Account

Forbes Advisor


Best Checking Account for High Interest



Best Checking Account Overall

Motley Fool's The Ascent

The All-Around Checking Account

Use the promo code SUMMER when you apply for a Rewards Checking account by 9/30/22. Then have qualifying direct deposit(s) that total at least $1,500.00 to earn a $100 welcome bonus!

The Magic Formula
+ 0.55%

Start with Direct Deposit and free Personal Finance Manager to earn an easy 0.70%.

Add a loan payment and invest accounts for another 0.55%.

We did the math for you.

Account Features

  • Zero monthly maintenance fees
  • Zero overdraft or NSF fees
  • Zero minimum monthly balance reqs
  • Unlimited domestic ATM fee reimbursements
  • Online debit card management
  • Simple, 3-step process for direct deposit
  • Only $50 to open an account
Let's do this: Apply Now

Looking for more?

Get $200 when you LEVEL UP with
a Self-Directed Trading account!

Rewards Checking: Earn up to 1.25% APY*

Rewards Checking
How To Earn Interest APY* Rate
Direct Deposit: Receive monthly direct deposits totaling $1,500 or more. 0.40% 0.40%
Direct deposit is required to unlock your other interest-earning options
Debit Card Spending or Personal Finance Manager: Use your Axos Visa® Debit Card for a total of 10 transactions per month (min $3 per transaction) or sign up for Personal Finance Manager (PFM) “Account Aggregation” in Online Banking. 0.30% 0.30%
Managed Portfolios: Maintain an average daily balance of $2,500 per month in an Axos Invest Managed Portfolios Account. 0.20% 0.20%
Self Directed Trading: Maintain an average daily balance of $2,500 per month in an Axos Invest Self Directed Trading Account. 0.20% 0.20%
Loan Payment: Use your Rewards Checking account to make your full monthly Axos Bank consumer loan payment. Mortgage, personal, and auto loans are eligible. 0.15% 0.15%
Total 1.25% Apply Now

Manage money
like a boss.


Use Personal Finance Manager to manage all your accounts in one place.

Learn More
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Invest in


Get the most out of Rewards Checking by adding Axos Invest accounts.

See Investment Options
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Use code SUMMER and apply by September 30th to earn a $100 bonus!

Open Account

Digital tools at your fingertips.

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

Your money is protected.

Looking for more?

Get $200 when you LEVEL UP with a Self-Directed Trading account!