Rewards Checking

Don’t miss out on 3.30% APY.*

This fall, cozy up to the checking account that rewards your money. Open a Rewards Checking account now and earn up to 3.30% APY.*

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Among the Best Online Banks 2022

Forbes Advisor

Best Checking Account for High Interest

NerdWallet

Best Checking Account Overall

Motley Fool's The Ascent

Earn Up to 47x the National Average Checking Account APY1

Say goodbye to ordinary banking. Smarter earnings start here with up to 3.30% APY.*

Get Started

Raising the Bar for Checking Accounts

Up to 3.30% APY*

Build your own APY with up to 3.30% APY* Start with direct deposit and watch your money grow.

No Fees

Bank fees? No thanks. Zero monthly maintenance fees, no overdraft fees, and no minimum balance fees.


ATM Fee Reimbursements

Hit the ATM anytime you need because we reimburse all domestic ATM fees.

Rate Requirements

How To Earn Interest

APY*

RATE

Direct Deposit:

Receive monthly direct deposits totaling $1,500 or more. Direct deposit is required to unlock your other interest-earning options

0.40%

0.39%

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 link an account to activate Personal Finance Manager (PFM).

0.30%

0.29%

Managed Portfolios:

Maintain an average daily balance of $2,500 per month in an Axos Invest Managed Portfolios Account.

0.99%

0.98%

Self Directed Trading:

Maintain an average daily balance of $2,500 per month in an Axos Invest Self Directed Trading Account.

0.99%

0.98%

Loan Payment:

Use your Rewards Checking account to make your full monthly Axos Bank consumer loan payment. Mortgage, personal, and auto loans are eligible.

0.60%

0.59%

Total:

3.30%

3.30%

Harvest up to 47x the national average checking account APY.1

Let your rewards keep you warm this fall. Earn up to 3.30% APY* with Rewards Checking.

Start Earning
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© 2025 Axos Financial, Inc., All Rights Reserved. © 2025 Axos Bank, All Rights Reserved. © 2025 Axos Invest LLC. Member FINRA & SIPC. All Rights Reserved. © 2025 Axos Invest, Inc. All Rights Reserved.

Bank products and services are offered by Axos Bank®. All deposit accounts through Axos Bank brands are FDIC insured through Axos Bank. All deposit accounts of the same ownership and/or vesting held at Axos Bank are combined and insured under the same FDIC Certificate 35546. All deposit accounts through Axos Bank brands are not separately insured by the FDIC from other deposit accounts held with the same ownership and/or vesting at Axos Bank. For more information read Axos Bank’s FDIC Notice.

Advisory services are offered by Axos Invest, Inc., an investment adviser registered with the Securities and Exchange Commission (“SEC”). For information about our advisory services, please view our Form CRS or our ADV Part 2A Brochure, free of charge. Brokerage services and securities products are offered by Axos Invest LLC, Member FINRA & SIPC. YOU MAY FIND MORE INFORMATION ABOUT OUR FIRM ON FINRA’S BROKERCHECK. View the background of this firm, or REVIEW our Form CRS. All cash and securities held in Axos Invest client accounts are protected by SIPC up to $500,000, with a limit of $250,000 for cash. Read more information about SIPC on the SIPC web page.

Securities and other non-deposit investment products and services are not deposits, obligations of or guaranteed by Axos Bank, are not insured by the FDIC or any governmental agency, and are subject to investment risk including possible loss of the principal invested. Past performance of a security does not guarantee future results or success.

Axos Invest LLC, Axos Invest, Inc., and Axos Bank are separate but affiliated companies.

Axos Bank NMLS# 524995

Axos Bank | 4350 La Jolla Village Dr Suite 140, San Diego, CA 92121

*

The Annual Percentage Yield (APY) is accurate as of 12/7/2025. Rewards Checking accounts are eligible to receive APY reward when criteria is met. The account must be in an open and active status on the last business day of the statement cycle to receive the reward. All daily collected balances up to and including $50,000 will earn interest based on the combined rate rewards. All daily collected balances greater than $50,000 will not earn interest. Qualifying transactions must post and clear the account by the 25th of the month to count towards the monthly qualification cycle. Account transactions may take one or more business days from the transaction date to post to the account. At the time of your statement cycle date, we will determine the combined products and services used since the previous cycle date to determine the aggregate interest rate to apply. We will use the daily balance method to calculate the interest. We may change these rewards at the Bank's discretion any time without notice. Fees may reduce earnings.

1

The national average interest rate for checking accounts as posted on FDIC.gov, as of 12/7/2025.

Axos Bank, Forbes Advisor "Among the Best Online Banks 2022". ©2022 and TM, Forbes Advisor. All Rights Reserved. Please review the article, "Awarded Best Overall Bank Checking Account Of 2022".

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