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All of the Features, None of the Fees

with Golden Checking

No fees. 0.20% APY.*  Free personal checks.** 100% online. For customers aged 55 and older.

account benefits

  • No monthly fees
  • Up to $8 domestic ATM fee reimbursements per month
  • 0.20% APY on all balances
  • 100% mobile and online banking
  • For customers aged 55 and older

Get More with Golden Checking

Other banks charge as much as $30 for checks. With Golden Checking, you get 2 free boxes of checks every year.

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

Features Comparison

Golden Checking Average Checking Accounts
Zero Monthly Maintenance Fees $165.59/Year1
Zero Overdraft Fees $32.30/Year1
$8 Reimbursed/month ATM Fees $56.28 ATM Fees/Year1
$50 Opening Deposit requirement Opening Deposit Requirement Varies
Zero Minimum Balance requirement Minimum Balance Requirement
Free Incoming Wires $13.88/Incoming Wire2
Free Checks Semianually No Checks on Account Open
0.20% APY* 0.03% APY3
Average Checking Accounts
$165.59/Year1
$32.30/Fee1
$56.28 ATM Fees/Year1
Opening Deposit Varies
Minimum Balance requirement
$13.88/Incoming Wire2
No Checks on Account Open
0.03% APY3

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.

Golden Checking

New funds required
Golden Checking
Tier APY* Rate
$0-$9,999.99 0.20% 0.20%
$10,000-$24,999.99 0.20% 0.20%
$25,000-$49,999.99 0.20% 0.20%
$50,000-$99,999.99 0.20% 0.20%
>$100,000 0.20% 0.20%

Upgrade to Axos Bank

Open an account online within minutes.