New Business Bank Account

Your new business success begins right here, right now.

Starting a business is hard enough — your banking shouldn't be. Axos makes business banking simple with tools tailored just for new business owners like you. Managing your money has never been easier or more stress-free.

Get Started

Here’s why you should choose an Axos business bank account.

Your business banking choice should relieve stress. These four features can make a new business account with Axos a no-brainer.

Low costs

Save money. Enjoy no monthly maintenance fees and no domestic ATM charges.

100% online

Anytime, anywhere. Handle all your transactions in our all-in-one mobile app.

Move money faster

Skip the banking stress. Move money and make transactions effortlessly.

24/7 customer service

With exceptional support, our team can ensure your business needs are always met.

Open My Account

$200† Welcome Bonus Offer

Every dollar counts when you're starting out. That's why new businesses can earn up to $200 opening a new Basic Business Checking account today.

Here’s how it works:

  • 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.
  • No strings. Just rewards.
Sign Up Now

Award-Winning Business Banking

Your new business demands a trustworthy partner. With 25 years in business and over 20,000 small businesses served, we’re proud to be one of the most reliable and innovative banks for entrepreneurs like you.

Choose a one-stop solution to manage and grow your new business.

Axos won’t just be home to your business banking — we can be your all-in-one partner for financial success.
 Explore complementary tools and products tailored for your business needs, including:

Basic Business Checking

No monthly fees, unlimited transactions = more money for your business.

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Business Interest Checking

Earn up to 1.01% APY* while managing your day-to-day business funds.

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Business Premium Savings

Save smart with 3.60% APY* as you grow your cash reserve.

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See what customers say about Axos small business banking.

For me, it's really important to have reliable digital tools and apps like the one we use at Axos for our business checking. Being able to access that anytime, anywhere. I know that I am going to be able to log in, see my finances, and get on with my day.

Jacqui P.|Owner, Fringe Fabrics

Open your business bank account in 3 easy steps.

Getting started is quick and easy. Follow these simple steps to open your account today and start your business banking on the right foot.

  1.  
    1
    Choose Your Account

    Pick the accounts that work for your business.

  2.  
    2
    Gather Your Documents

    Apply in minutes to verify your business.

  3.  
    3
    Get Approved

    Start taking advantage of your new account.

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These 3 reasons are why your new business needs its own bank account.

One of the most important decisions you can make as a small business owner is to open a separate business banking account.

  • Keep Business and Personal Finances in Separate Accounts Separation offers clarity and a more professional approach.
  • Simplify Tax PreparationHave a record of all your business income and expenses in one place.
  • Protect Yourself LegallyBusiness accounts owned by a legal entity safeguard personal liability.
Open My Account

Learn More

View All
Insight

How to Open a Small Business Bank Account

Whether you’re searching for the best checking account for your LLC or a savings account that fits your startup, you have lots of options. 

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Insight

Why You Need a Business Bank Account as a Sole Proprietor

Adding separate bank accounts for your business can provide you with higher levels of asset protection and tax incentives.

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Insight

Why You Should Have Multiple Small Business Bank Accounts

Depending on your financial goals as a business owner, opening more than one account can help you stay on top of your business’s finances.

Read More

Have questions? Let’s talk.

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.

Small Business Questions

What is required to open a business account?

Please view our comprehensive Business Banking Account Documentation Checklist for more information on the specific documents you'll need to open each business account type.

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Do I need an Employer Identification Number (EIN) for a business bank account?

If your business has an EIN, you'll need it to open your account. However, if your business is a sole proprietorship or a single owner LLC, you can use your Social Security Number (SSN) instead.

Does an LLC need a bank account?

Having a separate bank account for your LLC isn't just a good idea — it's often essential. It protects your personal assets, keeps your finances organized, and positions your business as a professional and credible entity. Most importantly, it allows you to fully reap the advantages of your LLC's legal status.

How soon can I start using my business account after it’s opened?

Immediately. Once your account is open, you can start using it right away.

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How do I pay myself from my LLC?

How you pay yourself will depend on how your LLC is structured and how it is taxed. If your LLC uses its default taxation as a sole proprietorship or partnership, you might pay yourself using an owner’s draw, which is a withdrawal of the profits (or equity) of the business. However, if your LLC elects to be taxed as an S Corporation or C Corporation, you must pay yourself a W-2 salary. Or if you’re part of a multi-member LLC taxed as a partnership, members may receive guaranteed payments, featuring a set amount agreed upon in the operating agreement.

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© 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.

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*

The Annual Percentage Yield (APY) is accurate as of 12/10/2025. The interest rate and corresponding APY for savings is variable and is set at our discretion. This is a tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.

†

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.

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