Insight
The Essential Guide to Forms of Payments Accepted for Small Business Owners
Explore the pros and cons of cash, credit cards, and more to enhance customer satisfaction and boost sales.
A Guide to Your Small Business Account
Hints and tips to help you get the most out of your account.
Fund Your Account
Once your account is open, you’ll need to add money so you can start using it for business expenses.
Add money to your Axos business account in three easy ways:
Use Mobile Deposit
Sign the back of your check.
Open the Axos app to take a photo of the front and back of your signed check.
Once you finish depositing your check, you will receive a confirmation email. Then a second email is sent after the check has been approved or declined. An email will be sent after each successful deposit.
Wire and ACH Transfers
Use the following information to complete the incoming transfer via ACH or wire from an external bank:
Axos Bank ABA/Routing Transit Number: 122287251
4350 La Jolla Village Drive, Suite 140 San Diego, CA 92122
For the benefit of: [Your Company Name]
Account Number: [Your Account Number]
Mail a Check
Before sending the check, make sure the name on the check matches your business name as registered with our bank.
Endorse the check by signing business name on the back or write a check from your current bank account.
Mail the check to: Axos Banking P.O. Box 509127 San Diego, CA 92150-9127
Bill Pay
Make recurring bill payments effortless. Set it and forget it by following these steps:
In App
Click the Bank tab and click Move Money.
Click Pay a Bill and Add a Recipient.
Add your business information.
Online
Click Pay Bills tab.
Under Business Accounts select Pay Bills.
Add your business information.
Debit Card Management
After requesting your debit card, it should arrive in 7-10 business days. To activate your new debit card, call (877) 247-8002 from the phone number linked to your business profile.
Once in the app or logged in online, you can manage your debit card in several ways:
Activate/deactivate debit card
Freeze/unfreeze debit card
Replace debit card
Report debit card lost or stolen
Set Up Mobile Wallet
Add your debit card to your digital wallet to make payments with a quick scan of your phone. Here’s how:
Apple Pay
Open Wallet and press the plus (+) sign.
Select “Add Debit or Credit Card”.
Follow the instructions.
Google Pay
Install Google Pay app.
Open Google Wallet app and press the plus (+) sign.
Select “Add Debit or Credit Card”.
Use your phone’s camera to scan your card info or enter it manually.
Connect your Axos account directly to your accounting software.
For more detailed instructions, visit our Business FAQs.
Log in to your accounting software.
Go to Online Banking Setup under the Banking tab.
Search for Axos and select Axos Bank to connect your account(s).
Log in using your Axos credentials.
Select the account(s) you want to connect.
Follow the prompts to complete setup.
Services
We offer a variety of services to give your business the tools it needs for success.
Merchant
Services
Services
Breeze through the acceptance and processing of credit and debit cards, gift cards, and checks through Celero Merchant solutions.
Payroll
Services
Services
Paying your employees has never been easier. Use the first chat-based payroll app for small business, Roll™ by ADP®.
SBA
Loans
Loans
Get a small business loan with a federally backed guarantee and flexible terms through Centerstone SBA Lending.
Treasury
Management
Management
Streamline your financial processes with efficient solutions to help grow your small business.
Frequently Asked Questions
I forgot the password to my account. What can I do?
Choose Forgot Password on the login screen and follow the steps to receive a password reset email. If you don’t receive an email, it could mean the email we have on file is invalid, inactive, or blocked. Please chat with Evo, your virtual financial assistant, or contact us for any additional assistance.
Where can I find my account information?
Your account and routing numbers were provided in the Welcome Letter sent in your application message portal. You can also view your account numbers in online banking by clicking on the account in your dashboard or from the Bank, Borrow and Invest tabs in the mobile app. Once you’re viewing the account, scroll to Settings for more details.
How do I send or receive a wire?
To send an outbound wire, simply log in online or in the app, select your account, choose Move Money, and select the Wire Transfers option.
Wiring funds into Axos Bank
To wire funds into an Axos Bank account you will need the following information:
Axos Bank ABA/Routing Transit Number: 122287251
Address:
Axos Bank
4350 La Jolla Village Drive, Suite 140
San Diego, CA 92122
Ensure the wire is to the benefit of your name and your account number at Axos Bank. Should you or your bank have any questions, please contact a Business Relationship Manager at (844) 678-2726 during business hours Monday-Friday 6 a.m. to 6 p.m. PT.
How can I transfer funds between my accounts?
Select Move Money in online banking or in the mobile app to setup and manage transfers between personal and business accounts, all in one place.
If the transfer is going to another entity or bank, use the Move Money or Bill Pay feature in online banking or mobile app. Add the new External Account or Recipient.
If you would like to process an incoming transfer from another bank or institution, you would initiate the transfer from the other bank or institution.
If it is a transfer within Axos from your business account to another Axos business or personal account, Select Move Money in online banking or in the mobile app to setup and manage transfers between personal and business accounts, all in one place.
I’m trying to log in, and I’m receiving a message that I need a verification code. How do I get that code?
One-time verification codes are only sent via SMS message to a mobile phone number that has SMS enabled. One-time verification codes cannot be sent to landlines or international phone numbers. Reach out to us for assistance adding or updating your cell phone number on file if you cannot access your account.
Where do I download my transaction history or I have a non-signer (bookkeeper, accountant) who needs online access?
If you need to download your transaction history for QuickBooks® or you have a non-signer (bookkeeper, accountant) who needs online access, login here or call us at 844-678-2726
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