Refer a Friend for $50

Frequently Asked Questions

• Which accounts can I recommend?

  Right now, you can refer Rewards Checking and Essential Checking through our referral program. We'll keep you posted if this changes.
  (Heads up: Minors and trusts cannot receive or share referrals.)

• What are the benefits of an Essential Checking account?

  If your friend hates paying bank fees, then they'll love Essential Checking – our zero-fee checking account. Essential Checking customers pay zero service fees, zero overdraft fees, zero non-sufficient funds fees, and have zero minimum balance requirements. We even reimburse all domestic ATM fees and deposit paychecks up to two days early¹ with direct deposit.

• What are the benefits of a Rewards Checking account?

  If your friend likes earning interest on their money, then they’ll love Rewards Checking, which includes up to 3.30% APY^**. Rewards Checking has zero monthly maintenance fees, zero overdraft or non-sufficient funds fees, and zero minimum monthly balance requirements. Plus, we reimburse all domestic ATM fees and offer online debit card management.

• Will I automatically get the $50 after my friend opens an account?

  To be eligible for the $50 referral bonus, you must:

  • Open a new Essential or Rewards Checking account using your friend’s unique referral link
  • Receive at least $1,000 in direct deposit funding within 90 days of opening new Essential Checking account

  The $50 Referral gift will be deposited into your account within 7 business days of your statement cycle end once your referred friend meets eligibility requirements.

• Who is eligible to be referred?

  Your friend is eligible to receive a referral if:

  • They have never owned an Axos Bank account
  • They are approved to open an Axos Bank account
  • They use your unique referral link

  Note: You are not eligible to receive a referral bonus if you refer yourself.

• Is there a maximum number of referrals I can send?

  Nope! You have unlimited referrals.

• Will I be notified when my friend opens a new account?

  Due to the confidential nature of the credit approval process, we cannot disclose:

  • Who has applied for an account at Axos Bank
  • Who has opened an account at Axos Bank
  • Whether someone's account application was approved or denied
• My friend opened a new account but didn't use my referral link. Will I still get the referral bonus?

  Unfortunately, no. Your referral must use your unique link to participate in the referral program.

• My friend used the referral link to open multiple accounts. Will I get an additional bonus for each account?

  No – only one bonus will be rewarded per friend referred.