Upgrade your Banking Today
Earn up to 1.25% APY* and enjoy unlimited ATM fee reimbursements. This is banking, evolved.
Best Overall Bank Checking Account
Forbes Advisor
Best Checking Account for High Interest
NerdWallet
Best Checking Account Overall
Motley Fool's The Ascent
The All-Around Checking Account
Enjoy unmatched out-of-the-box benefits plus our top checking account interest rate when you start with direct deposit and level up with investments, loan payments, and more.
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
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Zero monthly maintenance fees
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Rewards Checking: Earn up to 1.25% APY*
| 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
Invest in
yourself.
Get the most out of Rewards Checking by adding Axos Invest accounts.
See Investment Options
Digital tools at your fingertips.
Our innovative online banking platform offers all the features you need to make banking easier and better.
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Sync all financial accounts into one dashboard
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Chat 24/7 with a virtual financial assistant
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Analyze your spending behavior
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Log in securely with biometric identification
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Send payments and wire transfers quickly
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Automate your bill payments
Your money is protected.
Ready to open an account?
All you need is a valid ID, your Social Security Number, and 15 minutes.