CashBack Checking Account

Put Cash Back In Your Hands

Get rewarded every time you make a signature purchase with your debit card. Earn up to 1.00% cash back1 on qualifying purchases.

Get CashBack Checking

A Checking Account That Rewards You With Cash Back

Earn up to 1.00% cash back1

Make money with signature-based debit card transactions.

No monthly maintenance fees

Keep more money in your pocket.

Unlimited domestic ATM fee reimbursement

Never worry about ATM fees again.

Get CashBack Checking

Here’s How Our CashBack Checking Beats Other Banks2

Axos Bank

CashBack Checking

Chase

Total Checking

Bank of America

Advantage SafeBalance Banking

Chime

Checking

1.00% cash back1

No maintenance fees

Unlimited domestic ATM fee reimbursements/ no ATM fees

Debit card management

Discover a Checking Account That Rewards Your Wallet

Upgrade My Checking

Get More From Your Checking Account

  • Send money to friends easily.
  • Never skip a bill with Bill Pay.
  • Check your credit score.
  • Stay updated with real-time alerts.
  • Secure your account with face, touch, or voice ID.

CashBack Checking Is Better With the App

ATM fees? Not with us.

Get unlimited domestic ATM fee reimbursements. Find an ATM near you with our ATM locator.

CashBack Checking FAQs

What is a CashBack Checking account?

CashBack Checking from Axos Bank lets you earn up to 1.00% cash back on all signature-based debit card transactions. You also get unlimited ATM fee reimbursements, no monthly maintenance fees, and unlimited check-writing privileges.

How do I open a CashBack Checking account online?

It’s easy! You can apply for a CashBack Checking account online or through our mobile app.

What do I have to do to earn 1.00% cash back from my checking account?

Axos Bank makes it easy to earn up to $2,000 cash back each month.1 Simply meet our balance requirements and be sure to select the signature option for your debit card transactions.

For your balance, you must maintain a $1,500 average daily balance in your CashBack Checking account. If your balance falls below $1,500, you’ll earn 0.50% instead of 1.00%.

Please note: You can earn up to a maximum of $2,000 per month in cash back.

Are there any fees with CashBack Checking?

Great news: Axos Bank CashBack Checking has no annual fee and no monthly maintenance fees. The account also provides unlimited domestic ATM fee reimbursements – score!

Ready to apply for a
CashBack Checking account?

Upgrade My Checking

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© 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

1

Earn up to 1.00% cash back on signature-based transaction purchases. Earn up to $2,000.00 per month in cash back on your signature-based transactions. Maintain a $1,500.00 average daily collected balance to earn 1.00% cash back on signature-based transaction purchases. If your average daily collected balance falls below $1,500 you will earn .50% in cash back for the month. Cash back is calculated on net purchases (purchases minus returns or credits). Cash back will be calculated and paid on your monthly statement cycle date. Cash back is paid in the form of a deposit to your Axos Bank CashBack Checking account. Your total cash back earnings may be reported as miscellaneous income to the IRS on a 1099-MISC form. Merchants who accept Visa/MasterCard cards are assigned a merchant code which is determined by the merchant or its processor in accordance with Visa/MasterCard procedures based on the kinds of products and services they primarily sell. Axos Bank cannot control how merchants choose to classify a transaction; Axos Bank cannot guarantee a transaction will qualify. Purchases made at Super Markets, Super Stores, Grocery Stores, Wholesale Stores, Discount Stores, USPS, and financial or money transfer institutions are not eligible. Purchases made using virtual wallets, funds transfer services, or other similar technology are not eligible. If you close your account mid-cycle, your accrued cash back earning will be forfeited. If your account is at zero at the end of your statement cycle, your accrued cash back earnings will be forfeited for that cycle and your account will be closed. The Bank has the right to change or cancel this program at any time.

2

Comparison based on data complied in September 2023 from company websites, customer service agents, and consumer checking account offers. In some cases, competitors assess and/or waive fees if certain criteria are met. The non-Axos Bank service marks for Chase, Bank of America, U.S Bank, and Chime.

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