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All of the Features, None of the Fees

with Essential Checking

No fees. 100% online. Direct deposit up to two days early.* Unlimited domestic ATM fee reimbursements.

features and benefits

  • No monthly fees
  • Unlimited ATM fee reimbursements
  • Early direct deposit
  • Referral bonus when you invite friends
  • 100% mobile and online banking

pay yourself faster

Direct Deposit Express* skips the routine hold period of your direct deposit paycheck so you can access your funds right away. It's your money, just faster.

Features Comparison

Essential Checking Average Checking Accounts
Zero Monthly Maintenance Fees $169.59/Year1
Zero Overdraft Fees $32.30/fee1
Unlimited ATM reimbursements $56.28 ATM Fees/Year1
Zero Opening Deposit Requirement Opening Deposit Requirement Varies
Zero Minimum Balance requirement Minimum Balance Requirement
Free Incoming Wires $13.88/Incoming Wire2
Early Direct Deposit No Early Direct Deposit
Free Checks3 on Account Open No Checks on Account Open
Free Visa Debit Card No Visa Debit Card
Average Checking Accounts
$56.28 ATM Fees/Year1
Opening Deposit Varies
Minimum Balance Requirement
$13.88/Incoming Wire2
No Early Direct Deposit
No Checks on Account Open
No Visa Debit Card

Innovative Banking Features

Our innovative online banking platform offers all the features you need to make banking easier and better.

View transactions and account details

Aggregate all your bank accounts into a
single view

Set up and manage alerts

Deposit checks and pay bills

Integrate 3rd party apps like Mint and Venmo

Refer friends and earn cash

We're a Bank You Can Count On

For 20 years, Axos has been a leader in digital banking. And as an FDIC-insured, publicly traded company with offices and employees across the US, we have the foundation to support you and stay ahead of your evolving financial needs.

Advanced Security

Keeping your money and information secure is our top priority. We use a number of advanced security features to protect and monitor your accounts.

Convenient Support

Even though we are a digital bank, you can still find help when you need it. You can speak with a U.S. based representative 24/7 or chat with our virtual financial assistant Evo.

Diverse Products

Get more than just a great checking account. Axos offers a full suite of financial products including mortgages, investing, checking, loans, and small business banking.

Upgrade to Axos Bank

Open an account online within minutes.