Axos Trust Account

Protect your legacy. Secure your wealth.

Manage your estate with confidence. Axos trust accounts provide peace of mind, knowing your assets are safe and structured for seamless distribution to your loved ones.

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What is a trust account?

Your assets, delivered on your terms.

A trust account is a type of bank account created through a legal agreement called a trust. It differs from a personal account in that you choose a trustee to manage the assets for the beneficiaries of the trust.

  • Your assets are legally protected and distributed to your chosen beneficiaries in accordance with your wishes.
  • Trust accounts have several benefits related to estate planning, including potentially avoiding the time-consuming and expensive probate process.

Why you should have a trust account

Avoid probate

Ensure your beneficiaries receive assets quickly by avoiding the time-consuming and costly probate process.

Protect your assets

Keep your cherished assets safe and secure from creditors. You could also benefit from reduced estate taxes.

Customized management

Choose a trustee to manage the account according to your specific wishes and to provide guidance for beneficiaries.

Select the trust account that fits you best.

Axos ONE®

Our high APY savings and checking bundle

  • Earn up to 4.31% APY* on savings and 0.51% APY* on checking.
  • Get paid up to 2 days early1 with early direct deposit.
  • No monthly fees and no overdraft fees.
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Summit Savings

High-yield savings account

  • Earn 4.00% APY* on your money.
  • No monthly fees and no minimum balance requirements.
  • Move money instantly between Axos accounts.
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How do I open a trust account?

Establish your trust

Once you’ve decided to open a trust account, choose what type of trust preserves your wealth the best.

Apply for your account

For a seamless application process, make sure to have your trust name, Tax ID, and official documents ready.

Fund your account

Log in to your Axos account to easily and securely add money to your new trust account.

Confidently safeguard your assets in the present to secure the future you want for others.

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Have questions? We’re here to help.

By providing your phone number and 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.

Trust Account Frequently Asked Questions

What is the main purpose of a trust account?

The main purpose of a trust account is to manage and protect assets for beneficiaries, ensuring their proper distribution according to the grantor’s wishes.

How do I set up a trust account?

While it’s not mandatory, you may want to consult with an attorney to establish the details of your trust. Make sure you have your trust documents and Tax ID before starting your application for a trust account.

How much money is needed to open a trust account?

There is no specific amount of money needed to open a trust account. However, expenses associated with establishing a trust include attorney’s fees, administrative fees, and trustee fees.

What are the four types of trust accounts?

The types of trust accounts are living trusts, testamentary trusts, revocable trusts, and irrevocable trusts.

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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.

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*The Annual Percentage Yield (APY) is accurate as of 12/5/2025. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.

Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.

The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.

Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:

Option 1



Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.



The average daily balance of your Axos ONE® Checking account is at least $1,500.



Option 2



Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.



The average daily balance of your Axos ONE® Checking account is at least $5,000.

If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:



The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.



The Axos ONE® Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.


The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.

A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.

Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.

Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.

1 Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s funding.

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