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Rewards Checking

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.

The Magic Formula
0.70%
+ 0.55%
1.25%
APY*

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

Rewards Checking: Earn up to 1.25% APY*

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.

  • 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.

Ready to open an account?

All you need is a valid ID, your Social Security Number, and 15 minutes.