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Fund Your Account
Put your money in motion. Fund your Axos account today.
Ready to take control of your finances? Get started by funding your Axos account effortlessly—and we offer several options to get it done.
There are 5 easy ways to get started.
Adding money to your account is simple. Choose from five straightforward options, each designed to move your funds quickly and securely.
Direct Deposit
Need your money fast? Use the Axos mobile app to transfer direct deposit payments to Axos in 3 simple steps.
Mobile Deposit
Open our app, select Mobile Deposit, endorse the check, write “For Axos mobile deposit,” snap a pic, then submit.
Transfer Money
Log into Axos Online Banking, select Transfer, link an external account, set your amount and date, and confirm.
Wire Transfer
Log in online or through the app. Then, select the account, choose Move Money, and select Wire Transfers.
Deposit a Check
Open the Axos app, endorse your check, take a picture of the check’s front and back, then submit. Or mail the check plus your deposit slip to Axos, P.O. Box 509127, San Diego, CA 92150.
All in one App
Funding is no problem 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.
Need more support? We’re here for you.
Call us 24/7
Call us with any of your account or banking questions.
Message us
Log in to your Axos account and send a secure message.
Chat with Evo
Evo is your financial assistant, ready to help answer any questions.
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Frequently Asked Questions
Why do I need to fund my Axos Bank account?
Funding activates your account, letting you earn high-yield interest, use your debit card and bill pay, send or receive money, and track goals with our digital tools. A funded balance builds positive account history, prevents inactivity closure, and keeps your deposits FDIC-insured up to $250,000. In short, money in means your Axos account can work for you.
How can I fund my Axos Bank account?
Funding is easy:
Direct deposit—It’s easy to set up direct deposit digitally. Simply log in to your account, navigate to “Profile and Settings,” then select “Direct Deposit.” It only takes five minutes. You can also Fill out your employer’s direct deposit form, add Axos routing number 122287251 and your acct. number, and return the form to your company's payroll department.
Mobile check—log into the Axos app, endorse the check with “For Axos mobile,” snap a picture, then submit.
External ACH—link bank in Transfer Money, schedule one-time or recurring; posts in 1–3 days.
Wire—send to ABA 122287251 (SWIFT AXOSUS66) with your account number for same-day credit.
Mail a check to Axos Bank, P.O. Box 509127, San Diego, CA 92150-9127.
How long does it take for my funds to appear in my account?
Timing depends on how you fund: direct deposits post as soon as Axos receives them—often up to two days early. Mobile check deposits are typically available the next business day. External ACH transfers clear in one to three business days. Domestic wires credit the same business day when received before cutoff; international wires may add a day. Mailed checks post after receipt and standard processing. All availability follows Axos Funds Availability Policy.
Can I set up recurring transfers to fund my account automatically?
Yes. In online or mobile banking, select “Transfer Money,” link your external account, and set a recurring schedule for weekly, bi-weekly, monthly, or custom funding. Transfers move automatically via secure ACH, usually posting in one to three business days. You can modify or cancel at any time, and Axos charges no fees for domestic recurring transfers.
Is funding secure through the Axos Bank app or website?
Yes. Every transaction you initiate through the Axos app or website travels over 256-bit TLS encryption and is protected by multi-factor authentication, biometric login options, and continuous fraud monitoring. Axos also uses secure tokenization to safeguard account numbers and employs dedicated cyber-security teams that monitor systems around the clock. Your deposits remain FDIC-insured up to at least $250,000 per depositor.