Basic Business Checking

More freedom. Fewer fees. Let Your Business Thrive.

No monthly maintenance fees. Free domestic incoming wires. Choose a business bank account that removes restrictions, helping your business grow and succeed.

Apply Now

$200 welcome bonus offer:

  • Open a Basic Business Checking account using promo code START200 by June 30, 2026.
  • Maintain an average daily balance of $3,000 over your account’s first few months. You’ll earn up to $50 cashback per calendar month, up to $200 total.1
  • No strings. Just rewards.
Sign Up Now

A Business Checking Account That Works for You

No monthly
maintenance fees

Forget the monthly maintenance fees. Put more money back into your business.


Unlimited
Transactions

Without transaction fees, you keep more money to put into your business.


Unlimited domestic ATM fee reimbursements

Never worry about ATM fees again. Get reimbursed whenever you are charged a fee.


Business deposit accounts FDIC insured up to $250k.

Expand FDIC coverage up to $265MM with Axos Bank Insured Cash Sweep through IntraFi® Network DepositsSM.

Learn Moreicon / arrowCreated with Sketch.

Free incoming wires

Free domestic and international incoming wires. You also get two reimbursed domestic outgoing wires monthly.


No initial deposit or minimum balance requirements

We remove financial barriers to you opening your account, setting your business up for success.


With QuickBooks, We Make Accounting Easy

Run, protect, and grow your business anytime, anywhere by syncing your Axos account. From bookkeeping to tax preparation and financial reporting, our digital approach provides the technology your business needs.

  • Account information is protected 24/7 with bank-level encryption.
  • Manage your Axos accounts directly through your profile.
  • Automated transactions eliminate manual sorting and data entry, saving you time.
  • Export statements straight from the Axos App.

Request a Callback to Inquire About Details

By providing your phone number and clicking Submit, you have agreed to these Terms and Conditions, and you have agreed to receive automated SMS text messages, calls, and emails for any purpose including but not limited to marketing of products and services by Axos Bank. You understand and agree that such messages may be sent via Automatic Telephone Dialing System and/or artificial or pre-recorded voice, and that such consent is not a condition of receipt of any good or service. Mobile carrier messages and data rates may apply. You may opt out at any time.

Your one-stop shop for managing finances.

Easier, smarter banking starts with the Axos All-In-One Mobile App.

  • View your business and personal bank accounts.
  • Send wire transfers and schedule bill payments.
  • Keep your accounts safe with enhanced security measures.
  • Easily move money between accounts.
  • Balance your books with accounting software integration.

Tools to Advance Your Business

Merchant Services

Process credit and debit card payments with ease.

Get Started

Payroll

Get your employees paid quickly.

Learn More

SBA Loans

Get small business loans with a federally backed guarantee.

Learn More

Treasury Management

Fraud and risk management solutions and much more.

Learn More

Basic Business Checking Frequently Asked Questions

What is a Basic Business Checking account?

Basic Business Checking is a business checking account with no monthly maintenance fees.

Do I need a minimum deposit for a business account?

No. There is no minimum deposit required for Basic Business Checking.

What do I need to bring to open a small business bank account?

You’ll need your Employer Identification Number, Social Security number (if you’re a sole proprietor), ownership agreements, business license, and articles of incorporation/organization.

Can I open a business bank account by myself?

Yes, you can open an Axos Basic Business Checking account by yourself and it can be done entirely online because Axos is a digital bank.

Once you’re ready, you can apply in minutes.

Can I just open a regular checking account for my business?

Having a business checking account instead of a personal account is beneficial for several reasons, including professionalism, keeping the personal information of your customers secure, being prepared for financial emergencies, and establishing credit.

Ready to Apply?

Apply Now

Articles & Tools

View All
Insight

The Essential Guide to Forms of Payments Accepted for Small Business Owners

Explore the pros and cons of cash, credit cards, and more to enhance customer satisfaction and boost sales.

Read More
Insight

6 Reasons to Separate Your Business and Personal Finances

Are you using your personal bank account to manage your business finances? Here are six reasons why you should keep the two separate.

Read More
Insight

7 Financial Tips for Your Small Business

Want to take your business to the next level financially? Here are five tips to get you on the right track.

Read More
Support
Careers
Insights
Company
Tools
Disclosures
CRA Public File
Privacy
Security
ATM Locator
Accessibility
Support
Careers
Insights
Company
Tools
Disclosures
CRA Public File
Privacy
Security
ATM Locator
Accessibility

© 2025 Axos Financial, Inc., All Rights Reserved. © 2025 Axos Bank, All Rights Reserved. © 2025 Axos Invest LLC. Member FINRA & SIPC. All Rights Reserved. © 2025 Axos Invest, Inc. All Rights Reserved.

Bank products and services are offered by Axos Bank®. All deposit accounts through Axos Bank brands are FDIC insured through Axos Bank. All deposit accounts of the same ownership and/or vesting held at Axos Bank are combined and insured under the same FDIC Certificate 35546. All deposit accounts through Axos Bank brands are not separately insured by the FDIC from other deposit accounts held with the same ownership and/or vesting at Axos Bank. For more information read Axos Bank’s FDIC Notice.

Advisory services are offered by Axos Invest, Inc., an investment adviser registered with the Securities and Exchange Commission (“SEC”). For information about our advisory services, please view our Form CRS or our ADV Part 2A Brochure, free of charge. Brokerage services and securities products are offered by Axos Invest LLC, Member FINRA & SIPC. YOU MAY FIND MORE INFORMATION ABOUT OUR FIRM ON FINRA’S BROKERCHECK. View the background of this firm, or REVIEW our Form CRS. All cash and securities held in Axos Invest client accounts are protected by SIPC up to $500,000, with a limit of $250,000 for cash. Read more information about SIPC on the SIPC web page.

Securities and other non-deposit investment products and services are not deposits, obligations of or guaranteed by Axos Bank, are not insured by the FDIC or any governmental agency, and are subject to investment risk including possible loss of the principal invested. Past performance of a security does not guarantee future results or success.

Axos Invest LLC, Axos Invest, Inc., and Axos Bank are separate but affiliated companies.

Axos Bank NMLS# 524995

1

To be eligible to earn all or a portion of the $200 cash incentive under this promotional offer, a Basic Business Checking account application with the promotional code "START200" must be submitted between 01/30/2025 at 12:00 am PT and 6/30/2026 at 11:59 pm PT. You must be approved for your new Basic Business Checking account and fund the account within 60 days to avoid automatic closure. Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC or 1099-INT. Consult your tax advisor. After initial requirements above are met, the amount of incentive earned will depend on meeting the additional requirements outlined below.

To earn up to a maximum of $200, a $50 payout can be earned in any four (4) of the first five (5) statement cycles (calendar months), including the cycle during which the account is opened. To earn each $50 cash incentive, the average daily balance in your Basic Business Checking account must be at least $3,000 for that statement cycle. The incentive will be deposited into your Basic Business Checking account within 10 business days following the end of the statement cycle during which the balance requirement was met, as long as the account is open and in good standing. The Basic Business Checking account must remain open for 180 days or an early closure fee of up to $200 may apply.

This promotion is only available to new Axos Small Business customers who:

  • Established their business less than one (1) calendar year from the date of application submission. Proof of formation date may be verified via the Secretary of State or Business Formation documents.

  • Have not held primary ownership of any Axos Small Business Banking account at any time.

This offer cannot be combined with any other new Axos Small Business account introductory incentive/bonus offer unless otherwise expressly stated in the conditions of that offer.

axos bank 25 years