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Essential Checking

The zero fee checking account.

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

Pay Yourself Faster.

Direct Deposit Express skips the routine hold period so you can access your funds right away. It’s your money, just faster!

Pay bills. Slash debt. Or, add funds to your savings account early for more compound interest.


Here’s How it Works:

1. Your employer submits payroll.
Your employer sends payroll instructions to their bank. Then, we get an alert that your paycheck is on its way.

2. You get paid early.
As soon as we get the payment alert, we’ll deposit money into your account. This means you can access your funds up to two days early.

3. Your coworkers get paid later.
Most banks pay their customers after they process the paycheck. In other words, your coworkers will get paid up to two days later.

We're The Kind Of
Bank Worth Praising.

"Took the time to understand my specific situation"

"I enjoyed all the individuals I worked with. Evan was both friendly and professional and took the time to understand my specific situation and guide me to the proper loan option, it was a pleasure to receive Jane's clear, timely communications and responses during loan processing."

Daren S.  | San Diego

“Highly Recommend”

"I opened a Checking and Savings account through Axos Bank and have been satisfied with their great customer service and online banking experience. Their app helps keep me in budget.”

Adam O.  | Colorado

“No fees and higher interest rate than other banks”

"No fees and the interest rate they pay on my account is FAR more than either Wells Fargo or Bank of America was paying me. The customer service line answers quickly when I get through the phone tree to the right location.”

Robert R.  | San Diego

Banking, Evolved is more than a tagline – it’s who we are.

By giving our customers the tools, information, and ability to make smarter choices, we empower them to make real progress toward their goals.