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Rewards Checking

Next-level banking?
Yeah, we got that.

Up to 1.25% APY.* No fees. Unlimited ATM fee reimbursements. View Rates


Best Overall Bank Checking Account

Forbes Advisor


Best Checking Account for High Interest



Best Checking Account Overall

Motley Fool's The Ascent

Only for the cool kids.

Think checking accounts are boring? Think again. While other banks sleep on APYs, we craft ours with an extra kick.

UP TO 1.25% APY
green checkmark Zero monthly maintenance fees
green checkmark Zero overdraft or NSF fees
green checkmark Zero minimum monthly balance reqs
green checkmark Unlimited domestic ATM fee reimbursements
green checkmark Online debit card management
green checkmark Simple, 3-step process for direct deposit
green checkmark Only $50 to open an account
Compare Checking Accounts

Rewards Checking

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% Apply Now

Manage money
like a boss.


Use Personal Finance Manager to manage all your accounts in one place.

Learn More
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Banking is
better with friends.


When you refer Essential Checking to a friend, we’ll deposit $20 into their new account.

Learn More
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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

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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.