Rewards checking
Upgrade Your Banking Today and Enjoy Up to a $100 Welcome Bonus†
Earn up to 3.30% APY* and enjoy unlimited ATM fee reimbursements. This is banking, evolved.
Among the Best Online Banks 2022
Forbes Advisor
Best Checking Account for High Interest
NerdWallet
Best Checking Account Overall
Motley Fool's The Ascent
The All-Around Checking Account
Use the promo code RC100 when you apply for a Rewards Checking account by 06/30/23. Then have qualifying direct deposit(s) to earn a $100 welcome bonus†!
Banking that rewards you.
Get unlimited reimbursements from any domestic ATM
No monthly maintenance fees
No need to keep a minimum balance to avoid fees
No overdraft or non-sufficient fund fees
Only $50 to open an account
Rewards Checking: Earn up to 3.30% 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. | 1.00% | 1.00% |
| Self Directed Trading: Maintain an average daily balance of $2,500 per month in an Axos Invest Self Directed Trading Account. | 1.00% | 1.00% |
| 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% | 0.60% |
| Total | 3.30% | Apply Now |
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 $50 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
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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.
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SSL Encryption
Our 128-bit Secure Socket Layer (SSL) encryption ensures your data remains private and secure.
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Anti-Virus and Malware Protection
We execute regular updates to detect and prevent viruses and malicious software.
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Automatic Logout
Inactive sessions are automatically logged out to prevent unauthorized data collection or use of your accounts.
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Account Monitoring
All accounts are regularly monitored for potential fraud.
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Usernames and Passwords
We do not and will not share your usernames or passwords.
Ready to apply?
All you need is a valid ID, your Social Security Number, and 15 minutes.
Apply by June 30th and use the promo code RC100 to earn a $100 new account bonus†!