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Discover Zero-Fee Banking
with Essential Checking.

Link your Axos Invest account and Essential Checking for seamless investment funding. Zero fees. Unlimited domestic ATM reimbursements. Early direct deposit.* This is the smarter way to bank.

Essential Checking
The zero fee checking account.

  • Zero maintenance fees
  • Zero overdraft or non-sufficient funds fees
  • Zero minimum monthly balance requirements
  • Unlimited domestic ATM fee reimbursements

Get Your Paycheck Up to Two Days Faster
with Direct Deposit Express.

Direct Deposit Express is an Essential Checking feature that deposits your paycheck faster than most traditional banks. Once you enroll in direct deposit, you’ll get paid up to two days faster so you can get a head start on your goals.  Learn More >

Ready to Apply?

All you need is your valid ID, Social Security Number, and 15 minutes. To be approved, applicants need to be U.S. citizens or legal residents with an excellent banking history.

Apply Now