Right now, you can refer the Essential Checking account through our referral program. We'll keep you posted if this changes in the future.

(Heads up: Minors and trusts cannot receive or share referrals.)

If your friend hates paying for bank fees, then they'll love Essential Checking - our zero-fee checking account. Essential Checking customers pay no service fees, no overdraft fees, no non-sufficient funds fees, and no minimum balance requirements. We even reimburse all domestic ATM fees and deposit paychecks up to two days early¹ with direct deposit.

No. To receive the $20 referral bonus, your friend must:

• Apply for an Essential Checking account using your unique referral link
• Approved to open the account
• Add at least $500 in funds to their new account
• Receive a direct deposit of at least $100

After your friend deposits $500 in new funds to their account and maintains an average daily balance of $500 for a full calendar month, we'll deposit $10 into your account and theirs. If your friend receives a direct deposit of at least $100 and continues to maintain an average daily balance of $500 for the next month, we'll deposit the last $10 into your account and theirs.

Your friend is eligible to receive a referral if:

• They have never owned an Axos Bank account
• They are approved to open an Axos Bank account
• They use your unique referral link

Note: You are not eligible to receive a referral bonus if you refer yourself.

Nope! Send referrals to as many people as you'd like.

Due to the confidential nature of the credit approval process, we cannot disclose:

• Who has applied for an account at Axos Bank
• Who has opened an account at Axos Bank
• Whether someone's account application was approved or denied

Unfortunately, no. Your referral must use your unique link to participate in the referral program.

No - only one bonus will be rewarded per friend referred.