Online Checking Accounts
The future of everyday banking starts now.
Experience simple, seamless banking with checking account options made to fit your needs. Choose your best match and get started today.
Compare our checking accounts.
Find the online checking account that works best for how you bank every day.
Axos Checking
A free checking account designed to reward everyday banking.
KEY FEATURE
No monthly maintenance, balance, opening, or overdraft fees.
- Up to 1.00% APY2 on your balance.
- Early payday: Get paid up to 2 days early.3
- Withdraw cash at 95,000+ ATMs nationwide with unlimited domestic ATM fee reimbursements.
Axos ONE®
This checking and savings bundle has it all.
KEY FEATURE
Earn up to 0.51% APY* on checking; 4.21% APY* on savings.
- No monthly maintenance, minimum balance, opening, or overdraft fees
- Early payday: Get paid up to 2 days early3
- Access up to $2.5MM in expanded coverage under Axos Insured deposit program
Give your teen a real bank account. Keep the parental controls.
First Checking comes with a free debit card, zero fees, and tools that let you monitor spending, lock the card, and stay in the loop.
All the essentials of online checking.
Interest‑earning balances, no monthly fees, early paydays, and easy access to your money.
Earn on everyday balances.
Make the most of your money with competitive interest on checking when you meet qualifying requirements.
No monthly fees.
Keep more of what you earn with no monthly maintenance fees, no minimum balance requirements, and no overdraft fees.
Get paid sooner.
Receive your paycheck up to two days early with Direct Deposit3 so your money starts working for you faster.
Access your money anywhere.
Use your debit card 95,000+ ATMs nationwide. Enjoy fee‑free access to cash with domestic ATM fee reimbursements across a nationwide network.
All in one App
Drive your savings growth with the Axos app.
The power of the Axos app provides savings account holders with easy access to smart and efficient money management tools designed to enhance your financial growth and security.
See how our checking accounts compare.
Explore how Axos checking options measure up against traditional and fintech banks across fees, earnings, and everyday features.
Feature | Axos ONE® Bundle | Axos Checking | Typical Traditional Banks |
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No monthly maintenance fees |
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No minimum balance |
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No overdraft fees |
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Earns interest |
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Early direct deposit |
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ATM fee reimbursements | Up to $10 | Unlimited |
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No account fees at opening |
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See why our checking accounts stand out.
Our checking accounts are built to make everyday banking simple.
I was pleasantly surprised at how considerate every individual I spoke to was. Flawless online bill paying. Easy to navigate application. I will most definitely continue my banking experience with Axos.
So far of having a checking and savings account opened with your bank the very few issues and questions I have had have been answered and settled in a very timely manner, and I am very impressed with the communication that you guys use to take care of these matters for me thank you very much and I look forward to being an Axos bank customer for quite some time.
I love that Axos has great customer service, and the savings account has such a great yield. I prefer Axos due to privacy concerns about having a physical branch in town. I need a basic savings and checking account for transactions and to transfer my pay into. Axos has a great online portal and app, and it has been a terrific experience for my simple banking needs.
FAQs
Can I open a checking account online?
Yes. At Axos Bank, you can open an online checking account in just a few steps—no branch visit required. Our secure, paperless application takes only minutes to complete, and you can do it all from your phone or computer.
How do I open a checking account online?
Opening an online checking account with Axos Bank is simple:
Choose the checking account that fits your needs.
Complete our secure application with basic personal information.
Once approved, you’ll get instant access to online banking tools, and your new debit card will be on its way.
Why should I get an online checking account?
An online checking account gives you more value and flexibility than a traditional bank account.
At Axos Bank, you’ll benefit from lower fees, competitive interest rates, and mobile-first features like remote check deposit, real-time transaction alerts, and 24/7 account access.
Designed for convenience and backed by FDIC insurance, your money is safe and always within reach.
Can I open a checking account online with no deposit?
Yes. Many of our online checking accounts have no minimum opening deposit. That means you can apply and open your account, even if you’re not ready to fund it immediately.