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Rewards Checking

Next-level banking?
Yeah, we got that.

Earn up to 1.25% APY* and enjoy unlimited ATM fee reimbursements and no monthly services fees. Apply by April 30th and you could also get a $50 welcome bonus (details below)!


Best Overall Bank Checking Account

Forbes Advisor


Best Checking Account for High Interest



Best Checking Account Overall

Motley Fool's The Ascent

The All-Around Checking Account

Use the promo code RC50 when you apply for a Rewards Checking account by 4/30/22. Then have qualifying direct deposit(s) that total at least $1,500.00 to earn a $50 welcome bonus!

The Magic Formula
+ 0.55%

Start with Direct Deposit and free Personal Finance Manager to earn an easy 0.70%.

Add a loan payment and invest accounts for another 0.55%.

We did the math for you.

Account Features

Zero monthly maintenance fees
Zero overdraft or NSF fees
Zero minimum monthly balance reqs
Unlimited domestic ATM fee reimbursements
Online debit card management
Simple, 3-step process for direct deposit
Only $50 to open an account
Let's do this: Apply Now

Use code RC50 and apply by April 30th for a $50 bonus

Open Account

Rewards Checking: Earn up to 1.25% APY*

Rewards Checking
How To Earn Interest APY* Rate
Direct Deposit: Receive monthly direct deposits totaling $1,500 or more. 0.40% 0.40%
Direct deposit is required to unlock your other interest-earning options
Debit Card Spending or Personal Finance Manager: Use your Axos Visa® Debit Card for a total of 10 transactions per month (min $3 per transaction) or sign up for Personal Finance Manager (PFM) “Account Aggregation” in Online Banking. 0.30% 0.30%
Managed Portfolios: Maintain an average daily balance of $2,500 per month in an Axos Invest Managed Portfolios Account. 0.20% 0.20%
Self Directed Trading: Maintain an average daily balance of $2,500 per month in an Axos Invest Self Directed Trading Account. 0.20% 0.20%
Loan Payment: Use your Rewards Checking account to make your full monthly Axos Bank consumer loan payment. Mortgage, personal, and auto loans are eligible. 0.15% 0.15%
Total 1.25% Apply Now

Manage money
like a boss.


Use Personal Finance Manager to manage all your accounts in one place.

Learn More

Invest in


Get the most out of Rewards Checking by adding Axos Invest accounts.

See Investment Options

Use code RC50 and apply by April 30th for a $50 bonus

Open Account

Ready to apply?

All you need is a valid ID, your Social Security Number, and 15 minutes.

Apply by April 30th and use the promo code RC50 to earn a $50 new account bonus.