Online Savings Accounts

Discover the ultimate in 
high-yield savings accounts

Unlock the potential of your savings with Axos Bank's best-in-class personal savings accounts. Seamlessly open accounts online within minutes and say goodbye to monthly fees in a world where your money works harder for you.

Compare Savings

Compare our best savings accounts.

Find savings account options that fit your financial goals, all enhanced with mobile banking convenience and a streamlined online application process. 

Axos ONE®

This savings and checking bundle has it all.

KEY FEATURE

Earn up to 4.31% APY** on savings; 0.51% APY** on checking.

  • No monthly maintenance, balance, opening, or overdraft fees
  • Early payday: Get paid up to 2 days early1
  • Eligible for expanded FDIC insurance for up to $265 million
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Summit Savings

Keep more savings with no minimums.

KEY FEATURE

Simple, high-yield savings earning a competitive 4.00% APY*.

  • No minimum balance for APY
  • No monthly maintenance fees
  • No minimum initial deposit
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Unlock the advantages of banking with Axos.

Fast online and 
mobile banking

Bank seamlessly anytime, anywhere with cutting-edge banking services, offering full accessibility via our user-friendly mobile app.

Get advanced 
account security

Enjoy quick, easy everyday banking with features like biometric login and real-time fraud monitoring for a secure experience.

Meet your financial assistants

Evo is our 24/7 virtual assistant—get support when you need it. You can also speak to a human via our customer service line.

Your deposits are protected with FDIC insurance up to $250K.

Or up to $500K with a joint account. Need more coverage? Access up to $265MM with Axos Bank InsureGuard+ Savings through IntraFi® Network DepositsSM.

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More ways to improve your banking

First Savings

Introduce your teen to personal finance done right. Start young savers with an account tailored to earn 0.25% APY* on funds with no monthly maintenance fees.

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Certificates of Deposit

CDs offer guaranteed returns with fixed rates, protecting your principal while earning higher interest. Your money grows predictably with daily compounding and FDIC insurance up to $250,000.

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What is an online savings account?

An online savings account is a smart, secure, convenient way to grow your savings through a digital platform or mobile app.

  • Easily deposit, withdraw, and manage your funds online.
  • Enjoy higher yields, no maintenance fees, and the flexibility to reach your financial goals from anywhere with an internet connection.
  • Experience competitive interest rates and 24/7 access.

All in one App

Drive your savings growth with the Axos app.

The power of the Axos app provides savings account holders with easy access to smart and efficient money management tools designed to enhance your financial growth and security.

Frequently Asked Questions

Can I open a savings account online?

Of course. Just open your account seamlessly through our user-friendly online platform, providing you with access to a range of innovative digital banking solutions tailored to your needs. Experience the ease of managing your savings from the comfort of your own home with Axos.

How does an online savings account work?

An online savings account operates by providing a secure platform for you to deposit and grow your savings digitally, offering convenient access to your funds, competitive interest rates, and the flexibility to manage your finances anytime, anywhere through our cutting-edge online banking features. With Axos, the future of banking is at your fingertips as your savings work smarter for you.

Are Axos savings accounts FDIC insured?

Of course. All Axos savings accounts are FDIC insured, offering you peace of mind knowing that your funds are protected up to the maximum limit allowed by law. With Axos Bank, your savings are not only secure, but also positioned for growth in a trusted, innovative digital banking environment.

Can you regularly add to the balance for online savings account?

With Axos' online savings accounts, you have the flexibility to add to your balance regularly, enabling you to grow your savings effortlessly while benefiting from our secure, innovative digital banking solutions. Take control of your financial future with Axos, where every deposit contributes to your financial well-being with ease and convenience.

How do I access my Axos savings account online?

Accessing your Axos savings account online is simple and convenient. Just log in to our secure online banking platform using your login credentials, where you can view your account balance, make transfers, set up direct deposits, and manage your savings effortlessly.

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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.

Axos Bank NMLS# 524995

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.

*

The Annual Percentage Yield (APY) is accurate as of 12/8/2025. The interest rate and corresponding APY for this account is variable and is set at our discretion. This is a tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.

**

The Annual Percentage Yield (APY) is accurate as of 12/8/2025. 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

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

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

Option 2

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

  2. 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.

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