Insight
Bank Like a Boss
Upgrade your banking experience with our top digital tools and take charge of your financial health.
Golden Checking
Safe, Smarter Banking
The checking account for customers 55+ years young. Enjoy zero maintenance fees with complimentary personal checks.
Among the Best Online Banks
Forbes Advisor 2022
Best Online Banks
MyBankTracker 2019, 2020, 2021, 2022
Best Online Banks for 2023: Best for Mobile Banking
GoBankingRates
Bank With Confidence
- 0.10% APY* on all balances
- Up to $8 domestic ATM fee reimbursements per month
- Free personal checks1
- No monthly maintenance fees
Golden Checking
Tier | APY* | Rate |
|---|---|---|
$0 - $9,999.99 | 0.10% | 0.10% |
$10,000 - $24,999.99 | 0.10% | 0.10% |
$25,000 - $49,999.99 | 0.10% | 0.10% |
$50,000 - $99,999.99 | 0.10% | 0.10% |
>$100,000 | 0.10% | 0.10% |
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.
Security You Can Count On
2-Step Authentication
For identity verification, we ask questions that only you know the answer to or we'll send a security code to your registered device.
Automatic Logout
Inactive sessions are automatically logged out to prevent unauthorized data collection or use of your accounts.
SSL Encryption
Our 128-bit Secure Socket Layer (SSL) encryption ensures your data remains private and secure.
Account Monitoring
All accounts are regularly monitored for potential fraud.
Anti-Virus and Malware Protection
We execute regular updates to detect and prevent viruses and malicious software.
Usernames and Passwords
We do not and will not share your usernames or passwords.
FAQs
How do I get free personalized checks?
You can order checks online or in the mobile app. To avoid paying for checks, be sure to use our free Bill Pay function. This lets you set up electronic bill payments or issue physical checks to any U.S. address. You can manage Bill Pay at https://onlinebanking.axosbank.com/billpay/pay
How secure is a Golden Checking Account?
Axos Golden Checking Account, along with all accounts at Axos Bank, are protected with state-of-the-art technologies to detect and prevent cyber intrusions. For more information on how Axos keeps your money safe, visit our security page here.
How do I contact Axos Bank?
At Axos, we love hearing from our customers! You can reach us through any of the following channels:
Chat: Strike up a conversation 24/7 with Evo, our virtual financial assistant. To start interacting with Evo, log in online and select the icon in the lower right corner of the page.
Secure Message: To send us a secure message, log in to your account and select Messages.
Phone: Contact a Direct Banker 24/7 (excluding Thanksgiving and Christmas) at 888-502-AXOS (2967).
Why should I get an online bank account?
If you’re tired of traditional banks’ high fees and hidden costs, online accounts are a great alternative.
As an online bank, we have lower operating costs – so we don’t need to charge you for features that other banks call “perks.” This means little to no fees, higher interest rates, and a suite of digital tools that make money management simpler. And, because we’re backed by the FDIC, you can rest assured that your money is safe with us.
Why should I open a Golden checking account?
With a steady 0.10% APY on all balances, the Golden Checking Account takes into mind a lower spending volume. Just because you’re not spending as much, doesn’t mean that you shouldn’t earn APY.
What age do I need to be to open a Golden Checking Account?
To open a Golden Checking Account, you need to be 55+ years of age. But who’s counting!
How can I withdraw funds from my account?
Axos Bank savings accounts offer several ways to withdraw money:
Transfer funds to another account with Axos Bank or another financial institution. Log in online and select Move Money.
Initiate a wire transfer. Log in online or in the app and select Move Money, then Wire Transfers.
Make an ATM withdrawal. To discover where you can make free ATM withdrawals near you using your debit or ATM card, log in online or in the app and use our ATM Locator.
Which ATMs can I use?
Your account offers free ATM withdrawals at approximately 91,000 convenient locations across the nation. To discover where you can make free ATM withdrawals near you, log in online and use our ATM Locator.
Ready to apply?
All you need is a valid ID, your Social Security number, and 15 minutes.
Articles & Tools
Tool
Retirement Savings Calculator
Do you know how much money you need to save for a comfortable retirement? Our retirement calculator can help you understand how much money you need to save.
Insight
How to Protect Your Accounts with Smarter Passwords
Still changing your password every 90 days? Step up your protection with these smart password management tips.