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.
Earn up to 10x 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 4.31% APY*
Get more money back in your savings with a rate 10x 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 4.31% APY* money back—over 10x the national average†—more of your money goes toward what you’re building together.
More money back
Get up to 4.31% 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 10x higher than most banks.†
Bank Bank | Annual Percentage Yield* APY* | Annual Earnings Earnings |
|---|---|---|
| Axos Bank | 4.31% | $431 |
| Wells Fargo1 | 0.05% | $5 |
| Bank of America2 | 0.01% | $1 |
| Chase3 | 0.01% | $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 | 4.22% / 4.31% | 1.00% / 1.00% |
$50,000 - $99,999.99 | 4.22% / 4.31% | 1.00% / 1.00% |
$100,000 - $149,999.99 | 4.22% / 4.31% | 1.00% / 1.00% |
$150,000 - $199,999.99 | 4.22% / 4.31% | 1.00% / 1.00% |
$200,000 - $249,999.99 | 4.22% / 4.31% | 1.00% / 1.00% |
$250,000 - $499,999.99 | 4.22% / 4.31% | 1.00% / 1.00% |
$500,000 - $749,999.99 | 4.22% / 4.31% | 1.00% / 1.00% |
$750,000 - $999,999.99 | 4.22% / 4.31% | 1.00% / 1.00% |
$1,000,000 - $1,999,999.99 | 4.22% / 4.31% | 1.00% / 1.00% |
$2,000,000 - $2,999,999.99 | 4.22% / 4.31% | 1.00% / 1.00% |
>$3,000,000 | 4.22% / 4.31% | 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.