Rewards checking
Upgrade your Banking Today
Earn up to 1.25% APY* and enjoy unlimited ATM fee reimbursements. This is banking, evolved.
Best Overall Bank Checking Account
Forbes Advisor
Best Checking Account for High Interest
NerdWallet
Best Checking Account Overall
Motley Fool's The Ascent
The All-Around Checking Account
Enjoy unmatched out-of-the-box benefits plus our top checking account interest rate when you start with direct deposit and level up with investments, loan payments, and more.
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
The Magic Formula
0.70%
+ 0.55%
1.25%
APY*
Rewards Checking: Earn up to 1.25% 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. | 0.20% | 0.20% |
| Self Directed Trading: Maintain an average daily balance of $2,500 per month in an Axos Invest Self Directed Trading Account. | 0.20% | 0.20% |
| Loan Payment: Use your Rewards Checking account to make your full monthly Axos Bank consumer loan payment. Mortgage, personal, and auto loans are eligible. | 0.15% | 0.15% |
| Total | 1.25% | Apply Now |
Ready to open an account?
All you need is a valid ID, your Social Security Number, and 15 minutes.