Checking and Savings Accounts

Your money should work as hard as you.

Choose the checking and savings accounts that fit you best. Streamline your finances — without the fees and hassles of other banks.

Among the Best Online Banks 2022

Forbes Advisor

Best Checking Account for High Interest

NerdWallet

Best Checking Account Overall

Motley Fool's The Ascent

Want your savings and checking together? 
Meet Axos ONE.

Axos ONE brings all your savings and checking together. Earn up to 4.86% APY* on your savings account and manage your money with ease.

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Checking and Savings Accounts

Select the account type that fits your unique financial needs.

Checking

Find your perfect account match make money moves quickly and easily.

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Savings

Save smarter and earn faster with a savings account tailored to your personal savings goals.

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Axos Premier Banking

Elevate your wealth with our finest 
banking experience.

Welcome to VIP banking. Enjoy 24/7 access and high interest rates so your money works as hard as you do. No fees, expedited support and exclusive rewards, all with white-glove service.

Our tools can help you chart your financial future.

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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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Discover a world of banking tips and resources.

Insight

Why You Need to Know Interest Rates

Learn what interest rates are and how they work so you can leverage them in ways that benefit you.

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.

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How to Create the Perfect Budget That You’ll Actually Stick To

Budgets don't have to feel like a straightjacket.

All in one App

Stay on top of your money. Anytime. Anywhere.

Finally -- a bank that supports you. With the Axos app, managing finances is easy. Sync all your accounts to check balances, deposit checks, pay bills, and get custom account alerts quickly.

Frequently Asked Questions

What is the difference between a checking account and a savings account?

A checking account is for everyday spending, like paying bills or purchasing. It offers easy access to your money with a debit card or checks but usually has little to no interest.

A savings account helps you save money and earn interest over time. It’s ideal for reaching financial goals or building an emergency fund, though it may limit how often you can withdraw funds.

Using both accounts together can help you manage daily spending while growing your savings.

Can you have both a checking and savings account?

Yes, you can have a checking and a savings account.

Using both together makes it easier to manage your finances—keep your spending money in your checking account and set aside funds for future goals in your savings account.

Is it better to deposit in checking or savings?

Whether it’s better to deposit in checking or savings depends on your financial needs.

Checking accounts is ideal for money you plan to use regularly, like paying bills or purchasing. They offer easy access through debit cards, checks, and online payments.

Savings accounts are better for money you want to save and grow. They typically offer higher interest rates, helping your balance increase while keeping it separate from daily spending.

A good approach is to keep enough in your checking account for monthly expenses and emergencies while depositing extra funds into your savings account to build wealth.

Is a debit card checking or savings?

A debit card is designed for everyday spending and is most commonly used with checking accounts.

How do I know if my account is savings or checking?

To know if your account is savings or checking, check your bank statements and account details in online banking or ask your bank directly.

Checking accounts are for daily spending, while savings accounts are for earning interest and saving money.

Have Questions? We are here to help.

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