Private Client Banking

Discover the world of premium banking.

Our Private Client program offers white glove service, great rates, and zero banking fees.

Talk With Us

Top-Tier Benefits

  • Uncompromising concierge service to meet your needs

  • Expanded multi-million-dollar FDIC insurance available.

  • Unlimited complimentary domestic and international wires

  • Digital money management tools.

  • Financing benefits for home loans and auto refinancing1

    • To qualify for Private Client banking, you must maintain a balance of $250,000.

    Private Client Checking

    Experience next-level banking. Private Client Checking has exclusive benefits to help you manage your money effortlessly.

    Account Features

    • VIP access at over 1,200 airport lounges around the globe2
      • Visa concierge
      • Travel and emergency assistance
      • Extended warranty program
    • High transaction limits with reimbursement of domestic and foreign ATM fees
    • No monthly service fees
    Get Startedicon / arrowCreated with Sketch.

    Private Client Savings

    Grow your savings faster with industry-leading interest rates. Private Client Savings offers up to 2.00% APY* to help you get the most value from your reserve funds.

    Account Features

    • Up to 2.00% APY*
    • No monthly service fees
    • Designed to be paired with Private Client Checking
    Get Startedicon / arrowCreated with Sketch.

    Safeguard Your Large Deposits

    Put your funds to work in an insured cash sweep program with Axos Bank InsureGuard+ Savings. Protect deposit balances up to $265MM3 through a single bank relationship using IntraFi® Network DepositsSM.

    Step 1

    Open your account(s) with one of our experienced Relationship Managers.

    Step 2

    Deposits are sent to deposit accounts at other member institutions in amounts under the standard FDIC insurance maximum of $250,000.

    VIP Banking is One Step Away

    Ready to experience premium banking? Our team is happy to help.

    Fill out the form to speak to a Relationship Manager

    By clicking Submit, you have agreed to these Terms and Conditions, and you have agreed to receive automated SMS text messages, calls, and emails for any purpose including but not limited to marketing of products and services by Axos Bank. You understand and agree that such messages may be sent via Automatic Telephone Dialing System and/or artificial or pre-recorded voice, and that such consent is not a condition of receipt of any good or service. Mobile carrier messages and data rates may apply. You may opt out at any time.

    Support
    Careers
    Insights
    Company
    Tools
    Disclosures
    CRA Public File
    Privacy
    Security
    ATM Locator
    Accessibility
    Support
    Careers
    Insights
    Company
    Tools
    Disclosures
    CRA Public File
    Privacy
    Security
    ATM Locator
    Accessibility

    © 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

    * The Annual Percentage Yield (APY) is accurate as of 7/26/2024. Your annual percentage yield (APY) can be as high as 2.00% based on the following combined bonus rates: A qualifying direct deposit of at least $1,500 is required for the remaining bonus rates to apply. Direct deposits (not including intra-bank transfers from another account) totaling $1,500 - $4,999.99 each month will earn an additional 0.20% APY; whereas direct deposits totaling $5,000 or more will earn an additional 0.60%. Maintaining an average daily invested total of at least $50,000 per month in an Axos Invest Managed Portfolio account or an Axos Self Directed Trading Invest account will earn an additional 0.40%; maintaining an average daily balance of at least $50,000 a Small Business Basic Checking account will earn 0.40% APY; and making a monthly payment to an open Axos Bank consumer loan (Commercial and Business loans excluded) via transfer from your Axos Bank personal checking account will earn 0.40% APY. The account must be in an open and active status on the last business day of the statement cycle to receive the interest. Qualifying transactions must post and clear the account by the 25th of the month to count towards the monthly qualification cycle. Account transactions may take one or more business days from the transaction date to post to the account. At the time of your statement cycle date, we will determine the combined products and services used since the previous cycle date to determine the aggregate interest rate to apply to your current statement cycle. We will use the daily balance method to calculate the interest on your account. We may change the APY paid for products and services used at the Bank's discretion any time without notice. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.

    1Axos Bank® will waive its lender fee ($995) or reduce its lender fee on new first lien mortgage loans under the following conditions: 1) The customer must have an existing or open a new Axos Bank® Checking Account during the loan application process; AND 2) the new mortgage loan must be for $250,000 or more; OR 3) if the new mortgage loan is less than $250,000, Axos Bank® will reduce its lender fee by $200 if the customer has or opens a new Axos Bank® Checking Account during the loan application process. The customer will be responsible for all third party fees and all prepaid items. The $2,500 average savings is based on a national average for lender fees presuming a $250,000 loan amount and 1% origination fee.

    2 Debit Card includes program availability to:

    • Visa Card Benefits Services

    • Priority Pass Select (enrollment required)

    3 Placement of funds through the ICS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits and customer eligibility criteria apply. Maximum coverage of $265MM per IntraFi® website as of May 23, 2024; this amount is subject to change. In the ICS savings option, program withdrawals may be limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS settlement for a deposit or after ICS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS satisfies those restrictions. IntraFi® and ICS are registered service marks, and the IntraFi® hexagon and IntraFi® logo are service marks, of IntraFi® Network LLC.

    axos bank 25 years