San Diego, California

Bank accounts built for San Diego's pace of life.

Open a checking or high‑yield savings account built for San Diego residents. Streamline your finances without the fees and hassles of traditional banks.

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A better way to bank in San Diego.

Security you can count on.

Sleep soundly with enterprise-grade protection, biometric login, and real-time fraud monitoring.

Trusted by 500k+.

Join over half a million customers who have chosen a smarter way to bank for over 25 years.

$25 Billion in Assets.

Publicly traded since 2005 (NYSE: AX) with the proven stability and deep resources to keep your money safe.

Convenient access to your cash across San Diego.

Use the Axos Bank ATM network to withdraw funds without fees at thousands of locations throughout the city.

  • Easily locate 95,000+ charge-free ATMs near your home, workplace, or while travelling across San Diego.
  • Access cash at major retailers, shopping centers, and transit hubs.
  • Enjoy secure transactions supported by nationwide ATM partners.
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San Diego’s premier digital bank accounts

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

Axos Checking

No‑fee checking account designed to reward everyday banking.

  • No monthly maintenance, minimum balance, opening, or overdraft fees
  • Early payday: Get paid up to 2 days early
  • Withdraw cash at 95,000+ ATMs nationwide with unlimited domestic ATM fee reimbursements
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Summit Savings

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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Axos ONE® is your 360° banking solution.

Axos ONE® brings all your savings and checking together. Earn up to 4.21% APY* on savings, 0.51% APY* on checking — and manage your money with ease.

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More FDIC protection for San Diego.

Scale your coverage with up to $2.5 million of additional FDIC Insurance through the Axos Insured Deposit Program — right from your Axos bank account. No fees. No forms. No complications. 
Just peace of mind.

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Banking that goes where you go.

Digital‑first doesn't mean limited access. Wherever you are in San Diego, you can withdraw, deposit, and manage your money—no branch required.

95,000+ fee-free ATMs.

Access your cash nationwide with one of the largest ATM networks in the country. Find the closest one in your app.

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Call us, 24/7.

Digital-first doesn't mean you're on your own. Connect with our support team anytime, day or night, for real help from real humans.

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Earn up to $100 when you refer a friend.

Invite friends to bank with Axos. When they open an eligible account and meet requirements, you can earn up to $100.

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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.

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

© 2026 Axos Financial, Inc., All Rights Reserved. © 2026 Axos Bank, All Rights Reserved. © 2026 Axos Invest LLC. Member FINRA & SIPC. All Rights Reserved. © 2026 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 5/7/2026. 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 4.21% APY on the first $249,999.99 and 3.50% APY on any additional balance 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 ACH deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., real time payments, 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) mobile check deposits, (iv) real time payments. 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, (v) ATM deposits.

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.

**

The Annual Percentage Yield (APY) is accurate as of 5/7/2026. The interest rate and corresponding APY for savings 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.

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