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Essential Checking

All of the perks,
none of the fees.

No fees. Early direct deposit*. Unlimited ATM fee reimbursements.

Top 20 Checking Accounts 2023


Among the Best Online Banks 2023

Forbes Advisor

Best Banks of 2023

Business Insider

Key Features

  • Unlimited domestic ATM fee reimbursements
  • No overdraft or non-sufficient funds fees
  • No monthly maintenance fees
  • No minimum monthly balance requirements
  • Direct Deposit Express
  • Exclusive Visa® offers and perks

Direct Deposit Express

  • Get paid up to two days early*
  • Simple, fast, and free of charge
  • Automatic feature for Essential Checking
    customers with direct deposit

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.

Ready to apply?

All you need is a valid ID, your Social Security number, and 15 minutes.

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