Axos ONE® Joint Account

Build wealth, together.

From everyday expenses to long-term savings, an Axos ONE joint account helps you and a partner save, spend, and stay connected.

Open a Joint Account What is a Joint Account?icon / arrowCreated with Sketch.

Earn up to 11x the national average† with a joint account.

Apply online fast

Submit your application together or separately to get started.

Make a deposit

Fund your account and simply make a qualifying deposit to earn the best rate.

Get up to 4.51% APY*

Get more money back in your savings with a rate 11x higher than most banks.

What is a joint bank account?

A joint bank account gives account holders equal access to deposits, withdrawals, and everyday banking. It’s a popular choice for couples, families, and business partners who want to manage shared finances, cover expenses, and work toward goals together.

Benefits of a joint bank account.

  • Equal ownership. Both account holders have shared access to deposits, withdrawals, and account activity.
  • Simplify shared expenses. Cover bills, rent, and groceries from one account without moving money back and forth.
  • Get a clear view of your money. Track spending habits, deposits, and account balances together in one place.
  • Save for goals together. Save for milestones like a home, vacation, or big purchase, while earning more money back in your savings.

Made for couples and families.

From bills to long-term goals, Axos ONE® makes it easy to share expenses, track transactions, and save. With up to 4.51% APY* money back—over 11x the national average—more of your money goes toward what you’re building together.

More money back

Get up to 4.51% APY* back with the ONE® checking and savings bundle.

Lower fees

No maintenance, balance, opening, or overdraft fees.

Early paydays

Get paydays up to two days early¹ and start earning fast.

FDIC Insured

Get up to $500,000 in FDIC coverage for joint accounts.

The best way to open a joint bank account.

See it. Believe it. Earn it.

Get more money back with a rate 11x higher than most banks.

Calculate
Bank
Bank
Annual Percentage Yield*
APY*
Annual Earnings
Earnings
Axos Bank4.51%$451
Wells Fargo10.05%$5
Bank of America20.01%$1
Chase30.01%$1

Start today with an easy, online application.

Can I open a joint bank account online?

Opening a joint account is fast, secure, and can be done entirely online. To get started, you’ll need:

  • Basic information such as names, addresses, dates of birth, and SSNs.
  • Valid identification like a driver’s license, state ID, or passport.
  • An opening deposit to start earning a top-tier rate.

Axos ONE® Rates

Savings Balance Tier

Boosted Rate/APY*

Standard Rate/APY*

$0 - $49,999.99

4.41% / 4.51%

1.00% / 1.00%

$50,000 - $99,999.99

4.41% / 4.51%

1.00% / 1.00%

$100,000 - $149,999.99

4.41% / 4.51%

1.00% / 1.00%

$150,000 - $199,999.99

4.41% / 4.51%

1.00% / 1.00%

$200,000 - $249,999.99

4.41% / 4.51%

1.00% / 1.00%

$250,000 - $499,999.99

4.41% / 4.51%

1.00% / 1.00%

$500,000 - $749,999.99

4.41% / 4.51%

1.00% / 1.00%

$750,000 - $999,999.99

4.41% / 4.51%

1.00% / 1.00%

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

4.41% / 4.51%

1.00% / 1.00%

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

4.41% / 4.51%

1.00% / 1.00%

>$3,000,000

4.41% / 4.51%

1.00% / 1.00%

Frequently Asked Questions

What do I need to open a joint bank account?

You’ll typically need personal information and identification for each account holder—like names, addresses, Social Security numbers, and a valid ID—plus an opening deposit if required.

Can you open a joint bank account without being married?

Yes. Joint accounts can be opened by any two or more people, such as partners, family members, or business co-owners—not just married couples.

Can one person close a joint bank account?

In most cases, both account holders must agree to close the account, though rules may vary by bank.

Can I remove myself from a joint bank account?

You can usually remove yourself, but it often requires consent from the other account holder or opening a new individual account.

How do I remove someone from a joint bank account?

To remove another account holder, both parties typically need to authorize the change with the bank. Some banks may require closing the account and opening a new one.