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Personal

Features

  • Earn up to 1.25% APY*
  • Unlimited domestic ATM fee reimbursements
  • No overdraft or non-sufficient fund fees
  • No maintenance fees
  • No minimum balance requirements
  • Minimum Balance Required to Open the Account: $ 50.00

Rewards Checking

New funds required
Rewards Checking
Tier APY* Rate
Receive monthly direct deposits totaling $1,000 or more 0.4166% 0.4166%
Use your Axos Visa® Debit Card for a total of 10 transactions per month (min $3 per transaction) 0.4166% 0.4166%
Use your Axos Visa® Debit Card 5 more times, a total of 15 transactions per month (min $3 per transaction) 0.4166% 0.4166%
Total 1.25%

Helpful Banking Features

Invite Friends

Help a friend bank smarter with little to no fees, high savings rates, and a simple banking app to fit their busy lifestyle. Plus, when your friend meets our welcome bonus requirements, we’ll deposit $20 into your account – and theirs!

Peer-to-Peer Payments

Pay your friends directly from your account. All you need is their mobile number or email. It’s fast, easy, and secure.

Account Alerts

Want to stay up-to-date on your activity? We’ve got you covered. Turn on alerts and get real-time updates on your account activity. Get notified via text, push notifications, or email – it’s all up to you!

Debit Card Management

Activate, deactivate, or reactivate your debit card – all from your banking dashboard. Need a replacement card? Traveling soon? Not a problem – take care of all your debit card needs online.

Biometric Authentication

Fingerprints, voiceprints, and facial recognition = peace of mind. At Axos Bank, your security is our top concern. Boost your account security with biometric authentication – and keep the scammers away.

Automate Your Bills

Never miss a bill payment again. With Bill Pay, you can truly “set it and forget it” by auto-paying bills directly from your account.

Security You Can Count On

 
Anti-Virus and Malware Protection
We execute regular updates to detect and prevent viruses and malicious software.
 
SSL Encryption
Our 128-bit Secure Socket Layer (SSL) encryption ensures your data remains private and secure.
 
2-Step Authentication
For identity verification, we ask questions that only you know the answer to, or we'll send a security code to your registered device.
 
Automatic Logout
Inactive sessions are automatically logged out to prevent unauthorized data collection and/or use of your accounts.
 
Account Monitoring
All accounts are regularly monitored for potential fraud.
 
Usernames and Passwords
We do not and will not share your usernames or passwords.

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