Next-level banking?
Yeah, we got that.
Unlock up to 1.00% APY* when you combine the best services and accounts at Axos Bank. Upgrade your banking experience with zero overdraft fees and zero monthly maintenance fees.
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 0.30%.
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
Rewards Checking: Earn up to 1.00% 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. | 0.10% | 0.10% |
| Self Directed Trading: Maintain an average daily balance of $2,500 per month in an Axos Invest Self Directed Trading Account. | 0.10% | 0.10% |
| Loan Payment: Use your Rewards Checking account to make your full monthly Axos Bank consumer loan payment. Mortgage, personal, and auto loans are eligible. | 0.10% | 0.10% |
| Total | 1.00% | 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.
We double-check your identity to confirm your activity is authorized.
Our latest encryption ensures your data remains private and secure.
We execute regular updates to prevent viruses and malicious software.
Inactive sessions are automatically logged out to prevent unauthorized use of your accounts.
All accounts are regularly monitored for potential fraud.
Ready to apply?
All you need is a valid ID, your Social Security Number, and 15 minutes.