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san diego residents

get a $50 welcome bonus

Open an Essential Checking account by June 30, 2020, and we'll add $50* to your account. Just use promo code SDLOCAL on your application.

Open an Account

Essential Checking

The preferred checking account for San Diego's busy professionals.


domestic ATM fee reimbursements


payday with direct deposit1


maintenance, overdraft, or non-sufficient funds fees


exclusive deals with Visa Offers & Perks


with Axos Refer A Friend program

Upgrade From Traditional Banking

With Essential Checking, you get all of the features you need, with none of the constraints of traditional banks.

  • Online & Mobile Banking
  • Custom Alerts
  • Online Bill Pay
  • Visa Debit Card
  • Advanced Security Features

You've Earned It

Your smart financial decisions should be rewarded with access to better banking. Essential Checking is best suited for those who:

  • Have a spotless banking and credit history
  • Would prefer to get paid up to 2 days early with direct deposit
  • Prefer the convenience and flexibility of digital banking
Open an Account

All In One Banking

As an Axos customer, you’ll get more than just a great checking account. You’ll also get access to a full suite of leading products and solutions designed to help you take your financial goals to the next level.

Checking Accounts

Savings Accounts



Personal Loans

Auto Refi Loans

Recognized for Quality Products and Services

Headquartered in San Diego, we’ve been recognized both locally and nationally for our dedication to delivering customer-friendly products for nearly 20 years. Experience why The San Diego Business Journal, Forbes, and Money Magazine rate us among the best banks.

"Banking at its best!"

"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."

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. | San Diego

"Higher rates 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. Customers service handles issues quickly."

Robert R. | San Diego

Upgrade to Banking Evolved

Leave traditional banking behind and upgrade to Essential Checking.