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Rewards Checking

Make Summer Even Better with a $300 Welcome Bonus

Earn up to 3.30% APY* and enjoy unlimited ATM fee reimbursements. This is banking, evolved.


Among the Best Online Banks 2022

Forbes Advisor


Best Checking Account for High Interest



Best Checking Account Overall

Motley Fool's The Ascent

Raising the Bar for Checking Accounts

Up to 3.30% APY*

Build your own APY with up to 3.30% APY* Start with direct deposit and watch your money grow.

No Fees

Bank fees? No thanks. Zero monthly maintenance fees, no overdraft fees, and no minimum balance fees.

ATM Fee Reimbursements

Hit the ATM anytime you need because we reimburse all domestic ATM fees.

Earn Up to 47x the National Average Checking Account APY1

Say goodbye to ordinary banking. Smarter earnings start here with up to 3.30% APY.*

How Our High-Interest Checking Account Compares to Big Banks2

Input your balance to calculate your potential earnings.


max balance: $25,000

Calculate APY and Annual Earnings
Bank Annual Percentage Yield* APY* Annual Earnings Earnings
Axos Bank 3.30% $495.00
Ally Bank 0.25% $37.50
Capital One 360 0.10% $15.00
Wells Fargo 0.05% $7.50

Use promo code SUNNYBONUS and apply by December 31st, to earn up to a $300 bonus!

Skip the wait with direct deposit.

Have your paycheck deposited automatically. Start earning interest when you set up $1,500 deposits.*

Unlock greater earning power by opening an Axos Invest account.

No experience needed. Earn up to 2.00% APY* when you open one or more Invest accounts.

Build Your Own Checking Account APY*

See how much interest you can earn. Meet all five tiers to earn the full 3.30% APY*.

Direct Deposit

Deposit at least $1,500 monthly.


Spending Activity

Make 10 purchases or activate Personal Finance Manager (PFM).


Managed Portfolios

Maintain $2,500 average daily balance.


Self-Directed Trading

Maintain $2,500 average daily balance.


Loan Payment

Use your account to pay an Axos loan.


The All-Around Checking Account

Use the promo code SUNNYBONUS when you apply for a Rewards Checking account by December 31, 2023. Then have qualifying direct deposits that total at least $5,000.00 each calendar month during the first seven (7) calendar months your account is open as well as maintain a minimum average daily balance of $7,000 to earn up to a $300 summer bonus! Hurry, this offer won’t last long.

Simple Steps to earn your Welcome Bonus

Open new account

Open a new Rewards Checking account and use the promo code "SUNNYBONUS."

Fund your account

Deposit New-to-Axos bank funds into your new Rewards Checking account within 30 days of account opening. You must have qualifying direct deposits that total at least $5,000 each calendar month during the first seven (7) calendar months your account is open.

Maintain your balance

You must also maintain a minimum average daily balance of $7,000 in your Rewards Checking account. The minimum average daily balance must be achieved and maintained from September 2023 through March 2024, to receive your new welcome bonus.

See Terms and Conditions for full details.

Rewards Checking FAQs

  • Yes! All Axos Bank accounts are FDIC insured up to $250,000 per member and up to $500,000 for joint accounts. We use various tools to protect your financial information, including SSL encryption, firewalls, and automatic logouts of inactive sessions. We also monitor all activity regularly for potential fraud. For more information on how we keep our bank accounts safe, visit our Security Center.

Don’t Miss This Sunny Opportunity

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

Apply by December 31, 2023 and use the promo code SUNNYBONUS to earn up to a $300 bonus!