Essential Checking
Fee-free checking with all the perks.
All your banking essentials – for free. Say goodbye to bank fees for good.
Top 20 Checking Accounts 2023
GOBankingRates
Among the Best Online Banks 2023
Forbes Advisor
Best for Online Account Options
Business Insider
Essential Checking is anything but basic.
Direct Deposit Express
Unlimited ATM fee reimbursements
No overdraft, non-sufficient funds, or monthly maintenance fees
Exclusive Visa® offers and perks
Ready to open a no-fee Essential Checking account?
Direct Deposit Express
Get paid up to two days early*
Simple, fast, and free
Included for Essential Checking customers with direct deposit
Opening an Account Is as Easy as 1-2-3
Step 1: Select Open an Account.
Step 2: Have your ID, Social Security number, and address handy.
Step 3: Complete your application in less than 15 minutes.
Manage Essential Checking With the Axos App
View your transactions and spending history.
Get answers 24/7 with Evo, our virtual assistant.
Set up auto alerts for any strange activity you don’t recognize.
Move money to other accounts or send money to friends.
Enable security measures to keep your money safe.
Ready to Apply?
Ready to open your free Essential Checking account? All you need is a valid ID, your Social Security number, and 15 minutes.