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Rewards Checking

Next-level banking?
Yeah, we got that.

Unlock up to 1.00% APY* when you combine the best services and accounts at Axos Bank. Upgrade your banking experience with zero overdraft fees and zero monthly maintenance fees.

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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

Enjoy unmatched out-of-the-box benefits plus our top checking account interest rate when you start with direct deposit and level up with investments, loan payments, and more.

The Magic Formula
+ 0.30%

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

Add a loan payment and invest accounts for another 0.30%.

We did the math for you.

Account Features

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

Open Account

Rewards Checking: Earn up to 1.00% 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. 0.10% 0.10%
Self Directed Trading: Maintain an average daily balance of $2,500 per month in an Axos Invest Self Directed Trading Account. 0.10% 0.10%
Loan Payment: Use your Rewards Checking account to make your full monthly Axos Bank consumer loan payment. Mortgage, personal, and auto loans are eligible. 0.10% 0.10%
Total 1.00% Apply Now

Manage money
like a boss.


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

Learn More
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Invest in


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

See Investment Options
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Ready to enjoy these great Rewards Checking features?

Open Account

Digital tools at your fingertips.

Our innovative online banking platform offers all the features you need to make banking easier and better.

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Sync all financial accounts into one dashboard

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Chat 24/7 with a virtual financial assistant

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Analyze your spending behavior

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Log in securely with biometric identification

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Send payments and wire transfers quickly

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Automate your bill payments

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Your money is protected.

We double-check your identity to confirm your activity is authorized.

Our latest encryption ensures your data remains private and secure.

We execute regular updates to prevent viruses and malicious software.

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

All accounts are regularly monitored for potential fraud.

Ready to apply?

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