Treasury Management

Next-generation
treasury solutions.

Digital-first solutions designed to simplify operations,
safeguard your assets, and maximize working capital.

  • Accelerate payments and receivables.
  • Strengthen fraud protection.
  • Gain real-time visibility into reporting and reconciliation.
  • Dedicated support at every step.
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Payables.

Reduce manual workload, accelerate payments, and create operational efficiencies that free up time for strategic priorities.

ACH credit
origination

Send same-day payments electronically up to $1,000,000.

Wire transfers

Easily move your money when and where you need it.

FX wires

Securely send and receive funds in foreign currencies, worldwide.

Bill pay

Make one-time or recurring payments within a single online dashboard.​

Integrated payables

Streamlined vendor payments with a single, secure payment file from your ERP/AP system.

Check print

Save time and issue check payments on-demand.

Commercial credit & charge cards.

Optimize working capital with flexible cash access and earn cashback on purchases with your Axos Visa® commercial card.

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Receivables.

Optimize your incoming payment processing with solutions that improve liquidity and keep your business moving forward.

Incoming wires

Receive same-day payments, with funds available immediately.

ACH debit
origination

Collect payments with less friction.

Lockbox services

Save on processing costs and accelerate cash flow.

Remote & mobile
deposit

Secure and convenient deposits—anytime, anywhere.

Image cash letter

Reduce float and improve cash flow with same day ledger credit.

Merchant services

Securely accept credit cards, debit cards, gift cards, and checks with Celero Merchant Services.

Instant Payments: Move money with dual-network access to RTP® and FedNow®, for broader reach, faster settlement, and greater efficiency.

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Fraud prevention.

Modern businesses deserve banking solutions that detect, prevent, and respond to suspicious activity before it impacts your bottom line.

Check Positive Pay

Take control of check disbursements with multiple protection options.

ACH Positive Pay

Proactively defend against unauthorized withdrawals and debits.

ACH Block & Filters

Stop unauthorized debits before they hit your account.

Banking that gets ahead of emerging threats.

  • Protect your operations across every channel with bank-level security and advanced fraud capabilities.
  • Stay ahead of threats with real-time transaction monitoring and immediate alerts for suspicious activity.
  • Safeguard accounts and sensitive data with advanced encryption and multi-factor authentication.

Integrations & reporting.

Comprehensive reporting solutions & API integrations for smarter decision-making.

Prior & current day reports

Details delivered directly to your accounting/ERP system.

ACH reports

Streamline payment posting and reconciliation.

Wire detail reporting

Detailed wire information at your fingertips.

Deposit & account analysis statements

Streamline payment posting and reconciliation.

Transaction & event alerts

Instant notifications for key account activity.

Check images

Easily access all your account documents, all in one place.

Axos API Services: Build custom banking applications.

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Qualia

AI-powered title and escrow platform.
Bring simplicity, consistency, and transparency to the complex closing process.

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QuickBooks & Xero

Seamless integration with leading accounting software.
Automatically import and reconcile transactions, reduce manual entry, and minimize errors.

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Rabco Payroll

Smart payroll solutions for growing businesses.
Deliver accurate paychecks every time with an all-in-one solution for payroll and compliance.

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Deposits & liquidity management.

Leverage our deposit account solutions to optimize funds and maintain stability while unlocking growth opportunities.

Checking & interest-bearing accounts

Offset fees with competitive earnings credit rates and enhance yield on short-term deposits.1

Analyzed accounts

Built for high-volume, transaction-heavy businesses.

Multicurrency accounts

Grow your business abroad and increase working capital efficiency.

Money market accounts

Maximize savings without locking up capital.

Zero balance accounts

Put idle cash to work by automatically sweeping funds into a single account each night.

IOLTA accounts

Earn competitive interest while supporting access to civil legal aid.

Insured Cash Sweep

Protect your large liquid deposits. The Insured Cash Sweep (ICS) program offers expanded FDIC coverage by conveniently sweeping funds to and from your existing Axos account2. ICS is a secure and convenient way to protect large liquid deposits, backed by the full faith of the federal government.

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Axos Capital Edge can transform your team’s performance.

Work smarter with a secure, streamlined online banking platform that understands the demands of today’s business environment. ACE combines cutting-edge technology with Axos’ relationship-focused approach, delivering a treasury management experience that grows with your business.

  • Real-Time Account Visibility.
  • Enhanced Fraud Protection.
  • Seamless ACH Payment Origination.
  • Comprehensive Wire Services.
  • Powerful Reporting Capabilities.
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Ready to access custom banking solutions?

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© 2026 Axos Financial, Inc., All Rights Reserved. © 2026 Axos Bank, All Rights Reserved. © 2026 Axos Invest LLC. Member FINRA & SIPC. All Rights Reserved. © 2026 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.

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1

If an earnings credit accrues on your account, the Bank will periodically apply your accrued earnings credit to eligible Bank fees and expenses (unless the Bank otherwise indicates in writing). The amount of earnings credit received each month is based on your Average Positive Collected Balance, multiplied by the current earnings credit rate in effect (times the number of days in the month, divided by the number of days in the year). The earnings credit rate is determined by the Bank and is set each month based on current market conditions. The rate is subject to change without notice to you. The Bank may debit your account (or any other account you maintain at the Bank) or invoice you for any amount by which the fees and expenses exceed the accrued earnings credit on your account.

2

Placement of funds through IntraFi Network Deposits is subject to the terms, conditions, and disclosures in the program agreements, including the Deposit Placement Agreement (“DPA”). Limits apply, and customer eligibility criteria may apply. Aggregate coverage can be in the millions subject to program limits and eligibility criteria. In the ICS savings option, program withdrawals may be limited to six per month for funds placed in MMDAs. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before settlement for a deposit or after settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of IntraFi Network Deposits satisfies those restrictions. Network Deposits is a service mark, and IntraFi, Insured Cash Sweep, and ICS are registered service marks, of IntraFi Network LLC.

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