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Compare Checking Accounts

No matter your needs, we have an account that works for you. Select your match and open an account within minutes.

recommended for you

essential checking

For Direct Deposit

Get all the perks of online banking and none of the fees.

Early direct deposit1

Unlimited domestic ATM fee reimbursements

$0 monthly maintenance fees

$0 overdraft or non-sufficient funds fees

$0 monthly balance requirements

Early direct deposit1

Unlimited domestic ATM fee reimbursements

$0 monthly maintenance fees

$0 overdraft or non-sufficient funds fees

$0 monthly balance requirements

recommended for you

rewards checking

For High Account Balances

Earn up to 1.00% APY2. Open today, compound tomorrow.

Up to 1.00% APY2

Unlimited domestic ATM fee reimbursements

$0 monthly maintenance fees

$0 overdraft or non-sufficient funds fees

$0 monthly balance requirements

Up to 1.00% APY*,2

Unlimited domestic ATM fee reimbursements

$0 monthly maintenance fees

$0 overdraft or non-sufficient funds fees

$0 monthly balance requirements

recommended for you

cashback checking

For Frequent Debit Card Use

Earn up to 1.00%3 cash back when you sign for purchases.

1.00% cash back3

Unlimited domestic ATM fee reimbursements

$0 monthly maintenance fees

 

1.00% cash back3

Unlimited domestic ATM fee reimbursements

$0 monthly maintenance fees

 

Checking Account Features

Low fees and ATM rebates are just the beginning. Each checking account also has standard features that make banking more simple and secure.

Manage Money
Like a Boss

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

24/7 Customer Support

 

Get the help you need, when you need it. Our support team is available to answer your questions via phone or through our secure messaging portal.

Digital Security

We use the highest security protocols to protect your accounts from potential fraud.

FDIC Insurance

Your money is safe with us. Axos Bank deposit accounts are FDIC-insured for up to $250,000, per depositor.

Enjoy Anytime, Anywhere Access

Deposit checks, pay bills, and manage funds from your computer or mobile phone.

Specialized Accounts

First Checking

Earn 0.10% APY*. First Checking helps 13 –17 year-old teens learn money management from the security of a joint checking account.4

Golden Checking

Earn 0.10% APY*. With high rates, zero fees, and complimentary checks5, this account is designed to benefit customers who are 55+ and older.

A Bank You Can Trust

As a publicly traded company (NYSE: AX) with over 1,000 employees, we have the necessary infrastructure to support all of your financial needs. Since our founding in 2000, we have pioneered technology-driven banking. That means real-time access to your funds, convenient accounts, and nimble services to stay ahead of your ever-changing needs.

FAQs

We are a technology-driven online bank that offers a wide variety of checking accounts, savings accounts, loans, and business financing. Since 2000, we’ve worked hard to free customers from the limitations of traditional banks. Learn More

As one of the first online banks in the United States, we pioneered the idea that customers could manage their hard-earned money without paying the big banks’ exorbitant fees.

Since our founding in 2000, we have continued to add affordable services that support our customers’ holistic, financial wellness. As a publicly traded company (NYSE: AX) with over 1,000 employees across the country, we have the necessary foundation to support each of your financial needs.

If you’re tired of traditional banks’ high fees and hidden costs, online accounts are a great alternative.

As an online bank, we have lower operating costs – this means that we don’t need to charge you for features that other banks call “perks.” This means little to no fees, higher interest rates, and a suite of digital tools that make money management more simple. And, because we’re backed by the FDIC, you can rest assured that your money is safe with us.

In short, yes! We practice the highest security protocols and monitor accounts regularly for potential fraud. Your money is also insured by the FDIC for $250,000, per depositor.

Take a closer look at our accounts here. When you’re ready, select Open an Account.

You can use any ATM, nationwide. For a list of ATM locations, use our ATM Locator. Essential Checking, Rewards Checking and CashBack Checking customers also receive unlimited reimbursements of all domestic ATM fees.

Take a look at our disclosures here.