AXOS ONE®

Elevate your earnings.

The Axos ONE® savings and checking bundle has it all. Put your money to work faster with early paydays.1 Get up to 4.31% APY* on savings and 0.51% APY* on checking. Plus, no monthly maintenance fees.

Start Earning

$20B+

Total Assets

400K+

Customers

4.7 ★

Apple App Store

Earn it. Multiply it. Enjoy it.

Sit back and watch your savings grow—10x the national average.†

High Interest Rates

Earn up to 4.31% APY* on savings, and 0.51% APY* on checking when you meet requirements.

Early Payday

Get your money up to 2 days early.1 You’ve earned it, so start earning on it.

Lower Fees

No monthly maintenance, minimum balance, account opening, or overdraft fees.

More FDIC Insurance

We’ve got you covered. Access expanded FDIC Insurance for up to $265 million.

Calculate how far your money can go

Grow your cash fast with a savings rate that’s 10x the national average.†

Calculate
Bank
Bank
Annual Percentage Yield*
APY*
Annual Earnings
Earnings
Axos Bank4.31%$431
Wells Fargo20.05%$5
Bank of America30.01%$1
Chase40.01%$1

Here’s how we stack up.

Axos ONE® is built to help you get ahead. Because growing your money is the first step toward the finish line.

Axos ONE®

Chase

Total Checking5

Bank of America

Advantage Checking6

Wells Fargo

Everyday Checking7

No Maintenance Fees**

No Minimum Balance Fees

No Minimum Initial Deposit

No Overdraft Fees

Fee-Free ATMs

95,000

15,000

15,000

15,000

AXOS ONE®

Convenience is our specialty.

  • Manage all your bank accounts from one place in the Axos app.
  • Access a network of over 95,000 fee-free ATMs.
  • Fewer fees, because your earnings should stay earnings.
  • Link external accounts in the app to move your money seamlessly.

Deposit accounts FDIC insured up to $250K individual and $500K joint

Need more protection? Access expanded coverage up to $265 million with Axos Bank InsureGuard+ Savings from IntraFi® Network DepositsSM.

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How to Earn the Boosted Rates

4.31% APY*

Savings

0.51% APY*

Checking

There’s more than ONE way to meet requirements.

Just choose one of the following options to meet requirements in your Axos ONE® checking account.

Option 1

Receive at least $1,500 in total monthly qualifying direct deposits and maintain an average daily balance of more than $1,500.

Option 2

Receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

Qualifying transactions must post and clear the account by the 25th of the month.

Elevate your earnings—up to 10x the national average.†

Take your savings higher with Axos ONE.® Earn up to 4.31% APY.*

Up to 4.31% APY*

Balances $0 to $3,000,000+

1.00% APY

Base rate on all tiers

Rates apply to a tiered account structure. All tiers earn the same APY. 4.31% APY / 4.22% interest rate on balances $0–$3,000,000+. 
No minimum balance to earn interest. Full tier details available below:

Axos ONE® Rates

Savings Balance Tier

Boosted Rate/APY*

Standard Rate/APY*

$0 - $49,999.99

4.22% / 4.31%

1.00% / 1.00%

$50,000 - $99,999.99

4.22% / 4.31%

1.00% / 1.00%

$100,000 - $149,999.99

4.22% / 4.31%

1.00% / 1.00%

$150,000 - $199,999.99

4.22% / 4.31%

1.00% / 1.00%

$200,000 - $249,999.99

4.22% / 4.31%

1.00% / 1.00%

$250,000 - $499,999.99

4.22% / 4.31%

1.00% / 1.00%

$500,000 - $749,999.99

4.22% / 4.31%

1.00% / 1.00%

$750,000 - $999,999.99

4.22% / 4.31%

1.00% / 1.00%

$1,000,000 - $1,999,999.99

4.22% / 4.31%

1.00% / 1.00%

$2,000,000 - $2,999,999.99

4.22% / 4.31%

1.00% / 1.00%

>$3,000,000

4.22% / 4.31%

1.00% / 1.00%

Axos ONE® Frequently Asked Questions

What is the difference between a checking and savings account?

A checking account is used for everyday spending and transactions, while a savings account is designed for storing money and earning interest. Savings are also used for emergency funds and unexpected expenses.

Checking provides easy access to money through debit cards and ATM withdrawals and often earns minimal to no interest. More options for high-yield accounts are available with savings, allowing you to earn more interest.

Why is it important to have a checking and savings account?

Having a checking account and a savings account is crucial for managing your money effectively and building financial stability. It’s important to keep funds in separate checking and savings accounts because the money in each account will be used for different purposes.

Checking is primarily for everyday expenses, while savings are primarily for long-term goals and emergency funds.

Will I receive a debit card when I open an Axos ONE® account?

Yes. To get a debit card with your Axos ONE® checking account, just select the debit card option when applying for the account. Already applied? Great. Just log in online or in the mobile app and send us a secure message asking for a debit card. We’ll get right on it.

How do I access my Axos ONE® account online?

Log in online at axosbank.com or through the Axos All-In-One Mobile App. Enter your login credentials to access your account anytime, anywhere.

How do I set up direct deposit?

It's easy to set up direct deposit. Log in online, navigate to Profile and Settings, then select Direct Deposit.

Earn up to 4.31% APY* with Axos ONE®

Start Earning
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Accessibility

© 2025 Axos Financial, Inc., All Rights Reserved. © 2025 Axos Bank, All Rights Reserved. © 2025 Axos Invest LLC. Member FINRA & SIPC. All Rights Reserved. © 2025 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.

Axos Bank NMLS# 524995

*

The Annual Percentage Yield (APY) is accurate as of 12/10/2025. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.

Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.

The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.

Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:

Option 1

  1. Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.

  2. The average daily balance of your Axos ONE® Checking account is at least $1,500.

Option 2

  1. Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.

  2. The average daily balance of your Axos ONE® Checking account is at least $5,000.

If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:

  • The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.

  • The Axos ONE® Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.

The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.

A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.

Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.

Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.

**

No balance or activity requirements.

1

Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s funding.

2
3
4
5
6
7
†

National savings rate comparison as of 8/19/2025 from https://www.fdic.gov/resources/bankers/national-rates/index.html

axos bank 25 years