Small Business Banking

Your business banking, reimagined

Experience a business bank account that moves at the speed of business with fewer fees, competitive rates, transparent pricing, and digital-first solutions designed to accelerate your success.

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Among the Best Business Checking Accounts

Forbes Advisor

One of the Best Banks for Small Business

Nerdwallet

One of the Best Business Bank Accounts for Sole Proprietorships

Forbes Advisor

Select your offer and get started.

Checking: Up to $2001

For newly formed business who are just getting started.

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Bundle: Up to $6002

For growing businesses seeking seamless, cost-efficient digital banking.

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Explore Our Best Business Bank Accounts and Services

Forget about waiting in line at a branch. Get started now on your path to financial success with our digital accounts. Whether it’s checking accounts with low fees or savings accounts to grow your reserves, our business bank accounts make it easy – allowing you to put time and money back into your business.

Basic Business
Checking

No monthly maintenance fees. Free domestic incoming wires.


Explore Checking

Business Premium Savings

High-yield savings to grow your money faster. No monthly maintenance fees.


Explore Savings

Expanded FDIC
Insurance

Access FDIC insurance up to $265 million through a single bank relationship.


Expanded FDIC

Solutions for today. Growth for the future.

Our mission is to make your banking experience easier so you can focus on what matters most – your business. Choose from our variety of business bank accounts and determine which is the best fit for your needs.

Checking

With low fees, easy access, and the ability to earn interest, our business checking accounts are designed to save you time and money.

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Savings

A business savings account can grow your money and keep you prepared for financial emergencies.

View Savings

Ready for business banking made for you?

With user-friendly tools and features, managing your new business is a breeze. We're here to make sure your banking works as hard as you do. Plus, earn up to $200.1

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Reach your financial goals faster with our digital tools.

We provide a variety of business banking services to move your small business forward.

SBA Loans

Achieve your goals with a business loan.

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Merchant Services

Easy payment processing for your customers.

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Payroll Services

Complete your payroll quickly and easily.

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Treasury Management

Security through fraud and risk management solutions.

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Insured Cash Sweep

Access expanded FDIC insurance through a single-bank relationship.

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Your one-stop shop for managing finances.

Easier, smarter banking starts with the Axos All-In-One Mobile App.

  • View your business and personal bank accounts.
  • Send wire transfers and schedule bill payments.
  • Keep your accounts safe with enhanced security measures.
  • Easily move money between accounts.
  • Balance your books with accounting software integration.

Let’s Talk Business

Need a helping hand? Forget the phone tree. Call 844-678-‍2726 to speak to an actual person today and get customized solutions for your business.

Talk with a business banking representative Monday-Friday, 6 a.m. to 6 p.m. PT, excluding federal holidays.

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Small Business Banking Frequently Asked Questions

What is a business bank account?

A business bank account is designed to conduct business transactions, keeping them separate from your personal finances. You can make and receive payments in your businesses’ name instead of your name.

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What type of bank account do I need for my small business?

Types of business bank accounts include checking, savings, certificate of deposit (CD), and money market. Research the features of each type of account to determine what is the best fit for you.

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What is small business banking?

Small business banking is financial services tailored to small or medium-sized businesses. This can include business checking and savings accounts, merchant services, and treasury management. These services are designed for lower transaction volume and more personalized customer service.

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How much money should a small business have in the bank?

Generally, a small business owner should have three to six months of expenses saved. This amount should keep you financially protected in the case of an emergency.

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What do I need to open a business bank account?

You’ll need the appropriate documentation, including Employer Identification Number (EIN), Social Security Number (if you’re a sole proprietor), ownership agreement, business license, and articles of incorporation/organization. Requirements can differ depending on the type of business you have.

Can I open a business account with EIN only?

No. You will likely need to provide other business documents and information.

Is an Axos business bank account FDIC insured?

Yes, your Axos business bank account is insured by the federal government up to $250,000 for individual accounts and up to $500,000 for joint accounts. You can get expanded FDIC coverage up to $265 million with Axos Bank InsureGuard+ Savings from IntraFi® Network DepositsSM.

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© 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

1

To be eligible to earn all or a portion of the $200 cash incentive under this promotional offer, a Basic Business Checking account application with the promotional code "START200" must be submitted between 01/30/2025 at 12:00 am PT and 6/30/2026 at 11:59 pm PT. You must be approved for your new Basic Business Checking account and fund the account within 60 days to avoid automatic closure. Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC or 1099-INT. Consult your tax advisor. After initial requirements above are met, the amount of incentive earned will depend on meeting the additional requirements outlined below.

To earn up to a maximum of $200, a $50 payout can be earned in any four (4) of the first five (5) statement cycles (calendar months), including the cycle during which the account is opened. To earn each $50 cash incentive, the average daily balance in your Basic Business Checking account must be at least $3,000 for that statement cycle. The incentive will be deposited into your Basic Business Checking account within 10 business days following the end of the statement cycle during which the balance requirement was met, as long as the account is open and in good standing. The Basic Business Checking account must remain open for 180 days or an early closure fee of up to $200 may apply.

This promotion is only available to new Axos Small Business customers who:

  • Established their business less than one (1) calendar year from the date of application submission. Proof of formation date may be verified via the Secretary of State or Business Formation documents.

  • Have not held primary ownership of any Axos Small Business Banking account at any time.

This offer cannot be combined with any other new Axos Small Business account introductory incentive/bonus offer unless otherwise expressly stated in the conditions of that offer.

2

Axos Small Business Banking customers can earn up to $600 through the Axos Small Business Banking Cash Bonus Promotion. Promotional terms and conditions are subject to change or removal without notice.

Axos Small Business Banking Cash Bonus Promotion Terms The following terms and conditions (the “Terms”) apply to the Axos Small Business Banking Cash Bonus Promotion, which allows eligible businesses (as defined below) to earn up to $600 on their Basic Business Checking account over 6 statement cycles after account opening by completing the required actions described below.

Promotion Period: October 9th, 2025 at 12:00 a.m. E.T. – June 30, 2026 at 11:59 p.m. E.T.

Who is eligible for the Cash Bonus Promotion?

To be eligible to qualify for the Cash Bonus Promotion, a business must:

  • Become a new Axos business customer in the Promotion Period (10/9/2025 – 6/30/2026)

  • Apply and be approved for a Business Premium Savings account AND a Basic Business Checking account through a single application (bundle)

  • Enter the promo code (SBB600) in the Business Premium Savings / Basic Business Checking application

  • Not have qualified for any part of this, or another, Axos promotion on any account(s) within the last 12 months as of the date that the bundled accounts were opened

Businesses who have opened an Axos Small Business Banking account prior to the Promotion Period are not eligible for the Cash Bonus Promotion. Eligible businesses must complete the qualifying activities described below in each Statement Cycle in order to receive the cash bonus in that Statement Cycle.

What qualifying activities do I need to complete to earn the cash bonus?

To qualify for each cash bonus during an eligible Statement Cycle, an eligible business must meet the following requirements in each Qualification Period:

  • Deposit $1,000 or more (via ACH, check, or wire) into their Basic Business Checking account from an external source

  • Use the debit card associated with their Basic Business Checking account to make 2 or more approved purchases of at least $50 for each transaction

  • Maintain an average daily balance of at least $1,500 in the Basic Business Checking account

  • Maintain an average daily balance of at least $50,000 in the Business Premium Savings account

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 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 Cash Bonus starting in the following month.

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 Cash Bonus is paid to receive the Cash Bonus for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the Cash Bonus for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.

Additional Important Terms for the Axos Small Business Banking Cash Bonus Promotion

A business is eligible to qualify in the first 7 statement cycles after eligible accounts are opened.

An eligible business can qualify for the Cash Bonus for a maximum of 6 statement cycles.

If an eligible business meets the qualifications during the Qualification Period within a Statement Cycle, a payment of $100 will be credited to their Basic Business Checking account.

This $100 credit will be paid within the first 15 business days following the end of the Statement Cycle in which the eligible business qualified.

An eligible business can earn up to $600 in cash bonuses throughout the entirety of this promotion.

Only one promotional offer may apply to a business at any time. The Cash Bonus Promotion may not be combined with other promotional offers.

Promotion is non-transferable and limited to one account per business. Any subsequent accounts opened by the business will not be eligible for the Cash Bonus Promo.

Axos reserves the right to modify, suspend, or terminate the Promotion at any time without notice.

Standard rates are variable and subject to change at any time. Fees may reduce earnings. For current rates and additional disclosures, please see:

https://www.axosbank.com/business

https://www.axosbank.com/legal/disclosures

Axos Bank, Forbes Advisor "Among the Best Business Checking Accounts". ©2023 and TM, Forbes Advisor. All Rights Reserved. Please review the article, "Best Business Checking Accounts Of January 2023".

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