It's Your Lucky Day

Frequently Asked Questions

• Is Essential Checking Really Fee-Free?

  Absolutely.

  As an online bank, we don’t need to charge you for services other banks call perks. That means zero service fees, zero overdraft fees, zero non-sufficient funds fees, and zero minimum balance requirements. We’ll even reimburse all fees you incur from domestic ATMs.

• How Do I Become Eligible For A Referral Bonus?

  To be eligible for the $50 referral bonus, you must:

  • Open a new Essential or Rewards Checking account using your friend’s unique referral link
  • Receive at least $1,000 in direct deposit funding within 90 days of opening new Essential Checking account

  The $50 Referral gift will be deposited into your account within 7 business days of your statement cycle end once your referred friend meets eligibility requirements.

  NOTE: Customers who have previously owned an Axos Bank account are not eligible to receive a referral bonus.

• What Is Direct Deposit?

  A direct deposit is an electronic deposit of funds to a checking or saving account. For Axos Bank accounts, qualifying direct deposits are deposits of regular monthly income - such as your salary, pension, or Social Security benefits- which are made by your employer or other payer using the account and routing numbers that you provide to them.

• Who Is Axos Bank?

  We are a technology-driven online bank that offers a wide variety of checking accounts, savings accounts, loans, and business financing. Since 2000, we have helped customers get the most value from their money.

  By combining human insight with digital expertise, we offer customers lower fees, higher savings, and smarter banking technology.

• What Are The Benefits Of An Online Checking Account?

  If you’re tired of traditional checking accounts’ high fees and hidden costs, online bank accounts are a great option.

  Because we’re an online bank, we have lower operating costs. This means low fees, higher interest rates, and a collection of digital tools for simple money management. And because our banking products are backed by the FDIC, you can rest assured that your money is safe with us.

• How Do I Open An Account?

  Open an Essential Checking account by clicking here, or open a Rewards Checking account by clicking here.

• What are the benefits of a Rewards Checking account?

  If your friend likes earning interest on their money, then they’ll love Rewards Checking, which includes up to 3.30% APY^**. Rewards Checking has zero monthly maintenance fees, zero overdraft or non-sufficient funds fees, and zero minimum monthly balance requirements. Plus, we reimburse all domestic ATM fees and offer online debit card management.