Axos Bank Checking & Savings

APYs as high as 4.86%*

Watch your money grow with a bank account built for you. From Axos ONE® to Rewards Checking, you’ll discover an account that complements how you save and spend.

Among the Best Online Banks 2022

Forbes Advisor

Best Checking Account for High Interest

NerdWallet

Best Checking Account Overall

Motley Fool's The Ascent

Our Leading Personal Banking Products and Services

Find the perfect bank account for you. Whether it’s a checking account for your day-to-day or a savings account for your future, you can count on Axos for reliable and safe online banking.

Personal Checking

Bank on high interest rates, rewards, and little to no fees.

Personal Savings

Make your savings go further, faster daily compounding and no fees.

Certificates of Deposit (CDs)

Get guaranteed returns for terms of 3- to 60-months.

Premier

Welcome to premium banking with expedited service and exclusive rewards.

Why Choose Axos?

We are experts in online banking - offering competitive rates and a distinguished history. Our comprehensive range of financial services are designed to empower you on your journey to financial freedom.

Allow us to introduce ourselves - We have been at the forefront of digital banking since 2000, constantly innovating to provide frictionless financial solutions.

We believe in liberating individuals from the confines of traditional banking by offering support anytime you need it.

With our cutting-edge tools and services, you have the freedom to access and manage your money how, when, and where you prefer.

Find the Bank Account That’s Right for You

Meet our most popular checking, savings, and premium banking accounts.

Personal Banking

It takes more than a website to be an online bank. Our dedicated support team makes sure your needs are met.

Holistic Money Management

Our all-inclusive app is specially crafted to not only handle your Axos accounts but also to take care of your overall financial well-being.

Savings Straight to You

We’re here to help you maximize your money. We do that with competitive rates and fewer fees.

Checking Accounts: Making Everyday Money Moves Easy

Rewards Checking

Reward yourself with APY that’s up to 47x the national average1.

  • Up to 3.30% APY4

  • No monthly maintenance fees

  • Unlimited domestic ATM fee reimbursements

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ONE Checking

Bundled with your savings. One easy way to grow your cash fast.

  • Up to 0.51% APY*

  • Early paydays3

  • No monthly maintenance fees

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Essential Checking

Banking without the fees or the frills.

  • Early direct deposit3

  • No monthly maintenance fees

  • Unlimited domestic ATM fee reimbursements

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Savings Accounts: Competitive Rates Formulated to Reach Your Goals

High Yield Savings

No risk, high reward.

  • Up to 0.61% APY**

  • No monthly maintenance fees

  • No minimum balance requirements

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ONE Savings

Bundled with your checking. One easy way to grow your cash fast.

  • Up to 4.86%*

  • Early paydays3

  • No monthly maintenance fees

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Certificates of Deposit (CDs)

Reach your goals with guaranteed returns.

  • 3- to 60-month terms

  • No setup or maintenance fees

  • Open with as little as $1,000

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Premium Banking: Exclusive Accounts to Help You Manage Your Funds

InsureGuard+ Savings

Expand your FDIC insurance through a single banking relationship.

  • Multimillion-dollar FDIC insurance

  • Competitive banking rates

  • Maintain single bank relationship

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Private Client Banking

Access premium checking and savings with world-class rewards.

  • No banking fees

  • High transaction limits

  • Priority Pass Lounge access

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World Checking & Savings

Enjoy VIP banking from around the world.

  • International fee reimbursements

  • Competitive rates

  • Unlimited check writing

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Digital tools at your fingertips.

Easier, smarter banking starts with the Axos all-in-one mobile app.

  • Sync all financial accounts into one dashboard.

  • Analyze your saving and spending behavior.

  • Chat 24/7 with a virtual financial assistant.

  • Add, move, and send money to friends and others.

  • Automate your bill payments.

  • Monitor your credit score for free.

Deposit accounts FDIC insured up to $250K individual and $500K joint

Need more protection? Access expanded coverage up to $265MM with Axos Bank InsureGuard+ Savings from IntraFi® Network DepositsSM.

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Calculators

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APY Calculator

Estimate how much you can earn.

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Savings Goal Calculator

Set your timeline to meet your goal.

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Auto Loan Calculator

Calculate an estimated monthly payment.

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Want to know more about our personal banking products and services?

What is an online bank account?

Axos gives you all the features of a traditional bank account without having to go to a physical branch. All you need is access to the internet via your phone or computer.

Is online banking safe?

Absolutely! Online banking is safe – especially with Axos, where we utilize our decades of industry experience to ensure your accounts and information are secure. Learn how we keep your accounts safe.

Additionally, Axos Bank accounts are FDIC insured for up to $250,000. We also offer expanded coverage for larger accounts.

How can I open a bank account online?

It’s easy to open an account with Axos Bank – you can do it online or with the Axos app! All you’ll need is a valid ID, your Social Security number, and 15 minutes.

What do I need to open a bank account?

To open an account, we just need some basic identifying information: your full name, Social Security number, date of birth, and residential address. After all, we can’t make sure your information is secure without knowing you who are!

How many bank accounts should I have? Which ones are right for me?

That’s an excellent question! The number of accounts and types of accounts ultimately depend on your lifestyle, goals, and financial structure. Use our tools and explore our products to give yourself the full picture.

You can review all of your banking options by visiting these pages:

How do I deposit money into an online bank account?

There are several convenient ways to add funds to your Axos Bank accounts:

  • Use the Axos app for mobile check deposit.

  • Transfer funds from another account.

  • Initiate a wire deposit within the Axos app.

  • Use one of the 91,000 ATMs available within our network.

Articles & Tools

Insight

It’s Time to Start Saving for a Sunny Day

Rainy-day savings? Check. Now it’s time to get yourself a sunny-day savings account.

Insight

Understanding Overdraft: Fees, Protection, and More

If you’re not careful, overdrawing your bank account can lead to some serious fees. Here’s everything to know about overdraft.

Insight

3 Reasons You Need Early Direct Deposit

Find out why direct deposit is the best way to get paid – and how you can get paid faster with early direct deposit.