Total Loan Rewards Checking Account

Maximize your loan. Get rewarded with cash back.

Have a loan with us? Earn 3% cash back* on your monthly payments with our Total Loan Rewards Checking Account.

Open an Account

America’s Best Online Bank

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Best Overall Bank Checking Account

Forbes 2022

Best Overall for Online Banking

Forbes Advisor 2022

Designed Exclusively for Loan Customers

Bank With Confidence

  • 3% annualized cash back on a single monthly loan payment*
  • Unlimited domestic ATM fee reimbursements
  • Zero monthly maintenance fees
  • 100% mobile and online banking
  • Zero minimum balance required to open an account
  • Unlimited check writing

Ready to get started?

With Total Loan Rewards Checking, you can earn 3% annualized cash back* on your loan payments. Just keep at least 2x a single monthly loan payment as an average daily balance.

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Peer-to-Peer Payments

Pay your friends directly from your account. All you need is their mobile number or email. It’s fast, easy, and secure.


Account Alerts

Want to stay up-to-date on your activity? We’ve got you covered. Turn on alerts and get real-time updates on your account activity. Get notified via text, push notifications, or email – it’s all up to you!

Automate Your Bills

Never miss a bill payment again. With Bill Pay, you can truly “set it and forget it” by auto-paying bills directly from your account.

Debit Card Management

Activate, deactivate, or reactivate your debit card – all from your banking dashboard. Need a replacement card? Traveling soon? Not a problem – take care of all your debit card needs online.

Biometric Authentication

Fingerprints, voiceprints, and facial recognition = peace of mind. At Axos Bank, your security is our top concern. Boost your account security with biometric authentication – and keep the scammers away.

Security You Can Count On

Anti-virus and Malware Protection

We execute regular updates to detect and prevent viruses and malicious software.

2-Step Authentication

For identity verification, we ask questions that you only know the answer to, or we'll send a security code to your registered device.

SSL Encryption

Our 128-bit Secure Socket Layer (SSL) encryption ensures your data remains private and secure.

Account Monitoring

All accounts are regularly monitored for potential fraud.

Automatic Logout

Inactive sessions are automatically logged out to prevent unauthorized data collection and use of your accounts.

Usernames and Passwords

We do not and will not share your usernames or passwords.

Ready to apply?

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

Apply Now
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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

* Account holder(s) maintains an average daily balance equal to two times the borrower’s monthly principal and interest payments of their eligible Axos Bank consumer loan or combined minimum monthly principal and interest payments if borrower has multiple eligible Axos Bank consumer loans. Eligible Axos Bank consumer loans and Total Loan Rewards Checking account must be active as of the first day of the evaluation month in order to be eligible for the cashback credit for that period. 3% annualized cashback credit earned on mortgage and auto loans (0.25% per month) is calculated using principal and interest payments only (excludes any additional escrow amount included in the monthly payment) on the last day of each month, and, if applicable, posted to the account within the 10 business days of the following month. 10% annualized cashback credit earned on personal loans (0.83% per month) is calculated using principal and interest payments only on the last day of each month, and, if applicable, posted to the account within the 10 business days of the following month. Monthly cashback credit is limited to $100. Axos Bank reserves the right to sell a loan at any time without notice and may result in termination of any future cashback credit based on that loan. Axos Bank may cancel the program or change the annualized cashback rate and account requirements at the Bank’s discretion any time without notice. Your total cashback value may be reported as miscellaneous income to the IRS on a 1099-MISC form.

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