Online Checking Accounts
Find the checking account that fits you best.
From seamless access to easy online management, we offer a free online checking account plus high yield account options. Find your best match and open an account online.
Compare our best checking accounts.
Find an account that fits your financial needs, from reliable everyday use to the top premium perks.
Axos ONE®
For Checking and Savings Together
KEY FEATURE
Earn up to 4.66% APY* on savings, and 0.51% APY* on checking.
- Manage all your accounts from one place
- Early payday: Get paid up to 2 days early1
- No monthly maintenance, minimum balance, opening, or overdraft fees
- Expanded FDIC insurance up to $265M
Essential Checking
For Direct Deposit
KEY FEATURE
Get all the perks of a free online checking account with fewer fees.
- Early direct deposit1
- Unlimited domestic ATM fee reimbursements
- $0 monthly maintenance fees
- $0 overdraft or non-sufficient funds fees
- $0 required to open the account
Rewards Checking
For High Account Balances
KEY FEATURE
Build your own APY up to 3.30% APY2. Start earning with direct deposit.
- Up to 3.30% APY2
- Unlimited domestic ATM fee reimbursements
- $0 monthly maintenance fees
- $0 overdraft or non-sufficient funds fees
- $0 required to open the account
Accounts designed for your stage of life
First Checking
Empowering teens aged 13-17 to master money management through a secure joint checking account.
Golden Checking
Crafted for those 55 and older, enjoy high rates, no fees – and even free checks are included.
The card that reimburses ATM fees
With our accounts, you won't have to worry about those bothersome ATM fees. Access 90,000+ fee-free ATMs and get out-of-network reimbursements.
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.
FAQs
Can I open a checking account online?
Yes. At Axos Bank, you can open an online checking account in just a few steps—no branch visit required. Our secure, paperless application takes only minutes to complete, and you can do it all from your phone or computer.
How do I open a checking account online?
Opening an online checking account with Axos Bank is simple:
Choose the checking account that fits your needs.
Complete our secure application with basic personal information.
Once approved, you’ll get instant access to online banking tools, and your new debit card will be on its way.
Why should I get an online checking account?
An online checking account gives you more value and flexibility than a traditional bank account.
At Axos Bank, you’ll benefit from lower fees, competitive interest rates, and mobile-first features like remote check deposit, real-time transaction alerts, and 24/7 account access.
Designed for convenience and backed by FDIC insurance, your money is safe and always within reach.
Can I open a checking account online with no deposit?
Yes. Many of our online checking accounts have no minimum opening deposit. That means you can apply and open your account, even if you’re not ready to fund it immediately.