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Rewards Checking

Make Summer Even Better with a $300 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



Best Checking Account Overall

Motley Fool's The Ascent

The All-Around Checking Account

Use the promo code SUNNYBONUS when you apply for a Rewards Checking account by December 31st. Then meet qualifying requirements to earn up a $300 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

Use code SUNNYBONUS and apply by December 31st to earn a $300 bonus!

Get Started

Rewards Checking: Earn up to 3.30% APY*

Rewards Checking
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

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.

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

  • 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.

  • SSL Encryption

    Our 128-bit Secure Socket Layer (SSL) encryption ensures your data remains private and secure.

  • Anti-Virus and Malware Protection

    We execute regular updates to detect and prevent viruses and malicious software.

  • Automatic Logout

    Inactive sessions are automatically logged out to prevent unauthorized data collection or use of your accounts.

  • Account Monitoring

    All accounts are regularly monitored for potential fraud.

  • Usernames and Passwords

    We do not and will not share your usernames or passwords.

Simple Steps to earn your Welcome Bonus

Open new account

Open a new Rewards Checking account and use the promo code "SUNNYBONUS."

Fund your account

Deposit New-to-Axos bank funds into your new Rewards Checking account within 30 days of account opening. You must have qualifying direct deposits that total at least $5,000 each calendar month during the first seven (7) calendar months your account is open.

Maintain your balance

You must also maintain a minimum average daily balance of $7,000 in your Rewards Checking account. The minimum average daily balance must be achieved and maintained from September 2023 through March 2024, to receive your new welcome bonus.

See Terms and Conditions for full details.

Ready to apply?

All you need is a valid ID, your Social Security Number, and 15 minutes.
Apply by December 31st and use the promo code SUNNYBONUS to earn a $300 new account bonus!