All of the Features, None of the Fees with Golden Checking
No fees. 0.10% APY.* Free personal checks.** 100% online. For customers aged 55 and older.
Best Checking Account
NerdWallet
Best Online Bank
Go Banking Rates
Best Online Bank
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Account Benefits
No monthly fees
Up to $8 domestic ATM fee reimbursements per month
0.10% APY on all balances
100% mobile and online banking
For customers aged 55 and older
Golden Checking
Tier | APY* | Rate |
|---|---|---|
$0-$9,999.99 | 0.10% | 0.10% |
$10,000-$24,999.99 | 0.10% | 0.10% |
$25,000-$49,999.99 | 0.10% | 0.10% |
$50,000-$99,999.99 | 0.10% | 0.10% |
>$100,000 | 0.10% | 0.10% |
Two Free
boxes of checks
Get More With Golden Checking
Other banks charge as much as $30 for checks. With Golden Checking, you get 2 free boxes of checks every year.
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.
Features Comparison
Axos Golden Checking
Zero Monthly Maintenance Fees
Zero Overdraft Fees
$8 Reimbursed/month ATM Fees
$250 Opening Deposit requirement
Zero Minimum Balance requirement
Free Incoming Wires
Free Checks Semiannually
0.10% APY*
Average Checking Accounts
$165.59/Year1
$32.30/Year1
$56.28 ATM Fees/Year1
Opening Deposit Requirement Varies
Minimum Balance Requirement
$13.88/Incoming Wire2
No Checks on Account Open
0.03% APY3
We're a Bank You Can Count On
For 20 years, Axos has been a leader in digital banking. And as an FDIC-insured, publicly traded company with offices and employees across the US, we have the foundation to support you and stay ahead of your evolving financial needs.
Keeping your money and information secure is our top priority. We use a number of advanced security features to protect and monitor your accounts.
Even though we are a digital bank, you can still find help when you need it. You can speak with a U.S. based representative 24/7 or chat with our virtual financial assistant Evo.
Get more than just a great checking account. Axos offers a full suite of financial products including mortgages, investing, checking, loans, and small business banking.
I love this bank. I love the security measures they take to keep your account and information safe. Customer services is fast and always polite. All around great bank and free banking!!
Axos bank is amazing! Always had best customer service, I love the no fees! Everything!
Excellent customer service, personal, and compassionate with resolution.
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