Rewards Checking
Make Summer Even Better with a $300 Welcome Bonus†
Earn up to 3.30% APY* and enjoy unlimited ATM fee reimbursements. This is banking, evolved.
Among the Best Online Banks 2022
Forbes Advisor
Best Checking Account for High Interest
NerdWallet
Best Checking Account Overall
Motley Fool's The Ascent
The All-Around Checking Account
Use the promo code AXOS300 when you apply for a Rewards Checking account by 12/31/23. Then meet qualifying requirements to earn up a $300 welcome bonus†!
Start with Direct Deposit and free Personal Finance Manager to earn an easy 0.70%.
Add a loan payment and invest accounts for another 2.60%.
We did the math for you.
Account Features
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Zero monthly maintenance fees
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Rewards Checking: Earn up to 3.30% APY*
| How To Earn Interest | APY* | Rate |
|---|---|---|
| Direct Deposit: Receive monthly direct deposits totaling $1,500 or more. | 0.40% | 0.39% |
| 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% | 0.29% |
| Managed Portfolios: Maintain an average daily balance of $2,500 per month in an Axos Invest Managed Portfolios Account. | 0.99% | 0.98% |
| Self Directed Trading: Maintain an average daily balance of $2,500 per month in an Axos Invest Self Directed Trading Account. | 0.99% | 0.98% |
| Loan Payment: Use your Rewards Checking account to make your full monthly Axos Bank consumer loan payment. Mortgage, personal, and auto loans are eligible. | 0.60% | 0.59% |
| Total | 3.30% | Apply Now |
Manage money
like a boss.
Use Personal Finance Manager to manage all your accounts in one place.
Learn More
Invest in
yourself.
Get the most out of Rewards Checking by adding Axos Invest accounts.
See Investment Options
Digital tools at your fingertips.
Easier, smarter banking starts with the Axos all-in-one mobile app.
- Sync all financial accounts into one dashboard.
- Analyze your saving and spending behavior.
- Chat 24/7 with a virtual financial assistant.
- Add, move, and send money to friends and others.
- Automate your bill payments.
- Monitor your credit score for free.
Your money is protected.
Simple Steps to earn your Welcome Bonus
Open new account
Open a new Rewards Checking account and use the promo code "AXOS300."
Fund your account
Deposit New-to-Axos bank funds into your new Rewards Checking account within 30 days of account opening. You must have qualifying direct deposits that total at least $5,000 each calendar month during the first seven (7) calendar months your account is open.
Maintain your balance
You must also maintain a minimum average daily balance of $7,000 in your Rewards Checking account. The minimum average daily balance must be achieved and maintained from September 2023 through March 2024, to receive your new welcome bonus.
See Terms and Conditions for full details.
Ready to apply?
All you need is a valid ID, your Social Security Number, and 15 minutes.
Apply by December 31st and use the promo code AXOS300 to earn a $300 new account
bonus†!
