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.
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
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.
Select the account type that fits your unique financial needs.
Checking
Find your perfect account match make money moves quickly and easily.
Savings
Save smarter and earn faster with a savings account tailored to your personal savings goals.
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.
Estimate how much you can earn.
Set your timeline to meet your goal.
Calculate an estimated monthly payment.
Learn what interest rates are and how they work so you can leverage them in ways that benefit you.
Rainy-day savings? Check. Now it’s time to get yourself a sunny-day savings account.
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.
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.
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.
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.
A debit card is designed for everyday spending and is most commonly used with checking accounts.
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.
Log in to your Axos account and send a secure message.
Evo is your financial assistant, ready to help answer any questions.
Call us with any of your account or banking questions.