Axos Checking
Banking without the baggage.
Open a free checking account with no monthly fees, no overdraft fees, and no minimum balance. Add direct deposit and earn 1% APY.*
Named One of America's Best Banks, 2026
Forbes
100 Fastest-Growing Companies, 2025
Fortune’s Top 100
Best Banks for 2026
MONEY
More features with less fees.
A smarter way to bank that puts your growth first.
1% APY on balance.*
Earn interest on your everyday balance when you set up at least $1 in qualifying Direct Deposit—no complex requirements.
No fee checking account.
No monthly maintenance fees, no minimum balances, and no overdraft fees holding you back.
Get paid sooner.
Early paydays with Direct Deposit. Access your paycheck up to 2 days early1, so your money works for you faster.
Access your money anywhere.
95,000+ ATMs nationwide. Enjoy fee‑free access to cash with unlimited domestic ATM fee reimbursements across a nationwide network.
Compare checking accounts side by side.
Not all checking accounts are created equal. See how Axos Checking compares to competitors when it comes to fees, access, earnings, and everyday banking benefits.
Feature | Axos Checking | Most Traditional Banks |
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No monthly maintenance fees |
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No minimum balance requirements |
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No overdraft fees |
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1% APY* on checking balance |
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Early direct deposit1 |
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ATM fee reimbursements |
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No account fees at opening |
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Named one of Forbes’ Best Banks. Built for you.
See why Axos is recognized for checking that delivers. Earn interest, get paid early, and manage your money with confidence—all from one powerful checking account.
Banking that goes where you go.
Digital-first doesn't mean limited access. Withdraw, deposit, and manage your money anywhere—no branch required.
95,000+ fee-free ATMs.
Access your cash nationwide with one of the largest ATM networks in the country. Find the closest one in your app.
Call us, 24/7.
Digital-first doesn't mean you're on your own. Connect with our support team anytime, day or night, for real help from real humans.
Earn $50 when you refer a friend.
Invite friends to bank with Axos. When they open an eligible account and meet requirements, you can earn $50.
Your deposits are protected with FDIC insurance up to $250K.
Or up to $500K with a joint account. Need more coverage? Access up to $265MM with Axos Bank InsureGuard+ Savings through IntraFi® Network Deposits℠.
Unlock the advantages of banking with Axos.
Security you can count on.
Sleep soundly with enterprise-grade protection, biometric login, and real-time fraud monitoring.
Trusted by 500k+.
Join over half a million customers who have chosen a smarter way to bank for over 25 years.
$25 Billion in Assets.
Publicly traded since 2005 (NYSE: AX) with the proven stability and deep resources to keep your money safe.
Axos Checking Frequently Asked Questions
Where can I open a free checking acount?
You can open a free checking account at many banks and credit unions that offer no monthly maintenance fees and no minimum balance requirements. Online banks, such as Axos Bank, are popular options because they combine fee‑free checking with digital tools, nationwide ATM access, and added benefits.
Why is it important to have a free checking account?
A free checking account helps you keep more of your money by eliminating unnecessary monthly fees and minimum balance requirements. Over time, avoiding maintenance fees alone can save you $80–$120 or more each year, money that’s better used for daily expenses or savings.
Can I open a checking account online?
Yes. Most banks and credit unions allow you to open a checking account entirely online, often in just a few minutes. The process is fully digital and typically includes completing an application, verifying your identity, and setting up online and mobile banking.
Is Axos Checking a no fee checking account?
Yes. Axos Checking is a no‑fee checking account. Axos Checking does not charge monthly maintenance fees, account opening fees, minimum balance requirements, or overdraft fees.
How do I set up direct deposit?
Log in online, navigate to Profile and Settings, then select Direct Deposit.
All in one app
Drive your checking growth with the Axos app.
The power of the Axos app provides checking account holders with easy access to smart and efficient money management tools designed to enhance your financial growth and security.
