Axos ONE®

Your money deserves 4.31% APY.*

Reach your financial goals faster. Axos ONE® Checking + Savings helps you get there.

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Best Checking Account Overall

The Ascent

America's Best Online Bank

MyBankTracker

Best Online Bank for Savings & Checking

Millennial Money

Get up to 4.31% APY* with Axos ONE®

Early paydays,1 high APYs on your checking and savings, and no monthly maintenance fees — all bundled into one.

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Know When Mortgage Rates Drop

Trying to time your mortgage? Sign up for Rate Watch. Get email alerts when rates drop. It’s quick, easy, and free.

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One App for All Your Money Needs

Get the Axos app for smart business and personal finance. It's the sleeker, faster way to bank, borrow, invest, and plan.

Always Protected, Always Secure

Advanced data protection. FDIC insurance. Digital security tools. We’re committed to providing a secure online banking experience for our customers.

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Very short wait after put on hold. Great security checks [to confirm my identity]. Great assistance in reactivation my dormant account. And great help in establishing and navigating your website. Thank you for all the help that I needed.

Hepolito F.

Excellent customer service, good mobile app experience (especially impressed with mobile deposit), good website experience, understandable services and setup.

Dana L.

Very friendly… Willing to answer all my questions in a timely manner. I felt like [the customer service rep] was actually there to assist me, and [I wasn’t] just a job for her! Thank you.

Donna E.

Your deposits are protected with FDIC insurance up to $250K.

Or up to $500K with a joint account. Need more coverage? Access up to $265MM with Axos Bank InsureGuard+ Savings through IntraFi® Network Deposits℠.

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Start Banking Effortlessly

Invite Friends

Help a friend bank smarter with little to no fees, high savings rates, and a simple banking app to fit their busy lifestyle.

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Automate Your Bills

Never miss a bill payment again. With Bill Pay, you can truly “set it and forget it” by making automatic payments.

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Send Money to Friends

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

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Account Alerts

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

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Biometric Authentication

Fingerprints, voiceprints, and facial recognition = peace of mind. Boost your account security with biometric authentication – and keep the scammers away.

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Debit Card Management

Need a replacement card? Traveling soon? Not a problem – take care of all your debit card needs online.

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CRA Public File
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Security
ATM Locator
Accessibility

© 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

*

The Annual Percentage Yield (APY) is accurate as of 12/21/2025. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.

Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.

The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.

Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:

Option 1

  1. Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.

  2. The average daily balance of your Axos ONE® Checking account is at least $1,500.

Option 2

  1. Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.

  2. The average daily balance of your Axos ONE® Checking account is at least $5,000.

If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:

  • The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.

  • The Axos ONE® Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.

The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.

A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.

Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.

Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.

1

Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s funding.

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