Compare Checking Accounts
No matter your needs, we have an account that works for you. Select your match and open an account within minutes.
Essential Checking
For Direct Deposit
Get all the perks of online banking and none of the fees.
- Early direct deposit1
- Unlimited domestic ATM fee reimbursements
- $0 monthly maintenance fees
- $0 overdraft or non-sufficient funds fees
- $0 required to open the account
Rewards Checking
For High Account Balances
Earn up to 3.30% APY2. Open today, compound tomorrow.
- Up to 3.30% APY2
- Unlimited domestic ATM fee reimbursements
- $0 monthly maintenance fees
- $0 overdraft or non-sufficient funds fees
- $0 required to open the account
Cashback Checking
For Frequent Debit Card Use
Earn up to 1.00%3 cash back when you sign for purchases.
- 1.00% cash back3
- Unlimited domestic ATM fee reimbursements
- $0 monthly maintenance fees
Checking Account Features
Low fees and ATM rebates are just the beginning. Each checking account also has standard features that make banking more simple and secure.
Get the help you need, when you need it. Our support team is available to answer your questions via phone or through our secure messaging portal.
We use the highest security protocols to protect your accounts from potential fraud.
Your money is safe with us. Axos Bank deposit accounts are FDIC-insured for up to $250,000, per depositor.
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.
Specialized Accounts
First Checking
Earn 0.10% APY*. First Checking helps 13 –17 year-old teens learn money management from the security of a joint checking account.4
Golden Checking
Earn 0.10% APY*. With high rates, zero fees, and complimentary checks5, this account is designed to benefit customers who are 55 and older.
A Bank You Can Trust
As a publicly traded company (NYSE: AX) with over 1,000 employees, we have the necessary infrastructure to support all of your financial needs. Since our founding in 2000, we have pioneered technology-driven banking. That means real-time access to your funds, convenient accounts, and nimble services to stay ahead of your ever-changing needs.
FAQs
Who is Axos Bank?
We are a technology-driven online bank that offers a wide variety of checking accounts, savings accounts, loans, and business financing. Since 2000, we’ve worked hard to free customers from the limitations of traditional banks. Learn More
How is Axos different than other banks?
As one of the first online banks in the United States, we pioneered the idea that customers could manage their hard-earned money without paying the big banks’ exorbitant fees.
Since our founding in 2000, we have continued to add affordable services that support our customers’ holistic, financial wellness. As a publicly traded company (NYSE: AX) with over 1,000 employees across the country, we have the necessary foundation to support each of your financial needs.
Why should I get an online bank account?
If you’re tired of traditional banks’ high fees and hidden costs, online accounts are a great alternative.
As an online bank, we have lower operating costs – this means that we don’t need to charge you for features that other banks call “perks.” This means little to no fees, higher interest rates, and a suite of digital tools that make money management more simple. And, because we’re backed by the FDIC, you can rest assured that your money is safe with us.
Are online banks safe?
In short, yes! We practice the highest security protocols and monitor accounts regularly for potential fraud. Your money is also insured by the FDIC for $250,000, per depositor.
How do I open an account?
Take a closer look at our accounts here. When you’re ready, select Open an Account.
Which ATMs can I use?
You can use any ATM, nationwide. For a list of ATM locations, use our ATM Locator. Essential Checking, Rewards Checking, and CashBack Checking customers also receive unlimited reimbursements of all domestic ATM fees.
Where can I find account disclosures?
Take a look at our disclosures page.