Online Checking Accounts

Find the checking account that fits you best.

From seamless access to easy online management, we offer a free online checking account plus high yield account options. Find your best match and open an account online.

Compare Checking

Compare our best checking accounts.

Find an account that fits your financial needs, from reliable everyday use to the top premium perks.

Axos ONE®

For Checking and Savings Together

KEY FEATURE

Earn up to 4.31% APY* on savings, and 0.51% APY* on checking.

  • Manage all your accounts from one place
  • Early payday: Get paid up to 2 days early1
  • No monthly maintenance, minimum balance, opening, or overdraft fees
  • Expanded FDIC insurance up to $265M
Open AccountLearn Moreicon / arrowCreated with Sketch.

Essential Checking

For Direct Deposit

KEY FEATURE

Get all the perks of a free online checking account with fewer fees.

  • Early direct deposit1
  • Unlimited domestic ATM fee reimbursements
  • $0 monthly maintenance fees
  • $0 overdraft or non-sufficient funds fees
  • $0 required to open the account
Open AccountLearn Moreicon / arrowCreated with Sketch.

Rewards Checking

For High Account Balances

KEY FEATURE

Build your own APY up to 3.30% APY2. Start earning with direct deposit.

  • Up to 3.30% APY2
  • Unlimited domestic ATM fee reimbursements
  • $0 monthly maintenance fees
  • $0 overdraft or non-sufficient funds fees
  • $0 required to open the account
Open AccountLearn Moreicon / arrowCreated with Sketch.

Accounts designed for your stage of life

First Checking

Empowering teens aged 13-17 to master money management through a secure joint checking account.

Open AccountLearn Moreicon / arrowCreated with Sketch.

Golden Checking

Crafted for those 55 and older, enjoy high rates, no fees – and even free checks are included.

Open AccountLearn Moreicon / arrowCreated with Sketch.

The card that reimburses
ATM fees

With our accounts, you won't have to worry about those bothersome ATM fees. Access 90,000+ fee-free ATMs and get out-of-network reimbursements.

Digital tools at your fingertips.

Easier, smarter banking starts with the Axos all-in-one mobile app.

  • Sync all financial accounts into one dashboard.
  • Analyze your saving and spending behavior.
  • Chat 24/7 with a virtual financial assistant.
  • Add, move, and send money to friends and others.
  • Automate your bill payments.
  • Monitor your credit score for free.

FAQs

Can I open a checking account online?

Yes. At Axos Bank, you can open an online checking account in just a few steps—no branch visit required. Our secure, paperless application takes only minutes to complete, and you can do it all from your phone or computer.

How do I open a checking account online?

Opening an online checking account with Axos Bank is simple:

  1. Choose the checking account that fits your needs.

  2. Complete our secure application with basic personal information.

  3. Once approved, you’ll get instant access to online banking tools, and your new debit card will be on its way.

Why should I get an online checking account?

An online checking account gives you more value and flexibility than a traditional bank account.

At Axos Bank, you’ll benefit from lower fees, competitive interest rates, and mobile-first features like remote check deposit, real-time transaction alerts, and 24/7 account access.

Designed for convenience and backed by FDIC insurance, your money is safe and always within reach.

Can I open a checking account online with no deposit?

Yes. Many of our online checking accounts have no minimum opening deposit. That means you can apply and open your account, even if you’re not ready to fund it immediately.

Support
Careers
Insights
Company
Tools
Disclosures
CRA Public File
Privacy
Security
ATM Locator
Accessibility
Support
Careers
Insights
Company
Tools
Disclosures
CRA Public File
Privacy
Security
ATM Locator
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 12/12/2025. 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.

1

Get paid up to two days early. 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

The Annual Percentage Yield (APY) is accurate as of 12/12/2025. Rewards Checking accounts are eligible to receive APY reward when criteria is met. The account must be in an open and active status on the last business day of the statement cycle to receive the reward. All daily collected balances up to and including $50,000 will earn interest based on the combined rate rewards. All daily collected balances greater than $50,000 will not earn interest. Qualifying transactions must post and clear the account by the 25th of the month to count towards the monthly qualification cycle. Account transactions may take one or more business days from the transaction date to post to the account. At the time of your statement cycle date, we will determine the combined products and services used since the previous cycle date to determine the aggregate interest rate to apply. We will use the daily balance method to calculate the interest. We may change these rewards at the Bank's discretion any time without notice. Fees may reduce earnings.

3

First Checking is available to customers who are 13 through 17 years old (18 years old in Alabama) and have an adult co-owner on the account. Limited to daily $100 cash withdrawal and $500 point of sale transactions. Due to age sensitivity, the following merchant codes are prohibited: 5813, 5921, 7273, 7297, 7995, 9223

4

One (1) free box of Colonial Classic 50 pack every six months, limit two (2) per year. Customer is responsible for shipping fees.

axos bank 25 years