Axos Bank CashBack Checking Account

You can apply online, by completing a short form available through the "APPLY NOW" link on this page (scroll up a bit to see the button).

Once on the Axos Bank website, click to open the account.

You'll be asked to provide your personal information, including your:

• Name, email, and phone number.
• New username and password,
• Valid U.S. driver’s license or State ID (you can either submit a photo thereof or enter the information manually).
• Home address,
• Social Security number,
• Date of birth.

You can earn up to 1% cash back on signature-based purchases made using your Axos Bank debit card (up to $2,000 cash back per month) if you keep a $1,500 minimum average daily collected balance.

If your balance goes below $1,500, you'll earn 0.5% cash back for that month.

Not all purchases are eligible for cashback rewards through Axos Bank's CashBack program.

You won't earn any cashback rewards on purchases made at:

• Supermarkets,
• Superstores,
• Grocery stores,
• Wholesale stores,
• Discount stores,
• USPS,
• Financial or money transfer institutions.

Also, any "virtual purchases", such as those made using virtual wallets, fund transfer services or other similar technology aren't eligible either.

Axos Bank will make a deposit to your Axos Bank CashBack Checking account on your monthly statement cycle date.

Note that, if your account is closed mid-cycle or at zero at the end of a statement cycle, you will earn all of your earnings for that month. In the latter case, your account will be closed as well.

If you want to receive a free starter kit of checks from Axos, make sure you order it at the time of application for the CashBack Checking Account.

If you use your Axos Bank CashBack Checking Account debit card at U.S. ATMs, you will receive unlimited ATM fee reimbursements, meaning you won't ever have to pay any domestic ATM fees!

If you still want to locate surcharge-free ATMs, you can use Axos Bank's ATM Locator.

On the other hand, ATM fees apply when using your Axos Bank debit card abroad, as well as foreign transaction fees, so better don't use your debit card while on travel. 

Axos Bank made everything easier for you, so you need not download any forms or waste time waiting for a customer representative to follow up on your request.

You can easily order a new or replacement debit card when you log in to online banking. In your account, you'll see the Debit Cards tab, from which you can also activate it once it's arrived.

When your friends apply and open for Axos Bank's Essential Checking Account, you can earn up to $20 per referral, under a number of conditions.

Your friend must:

• Be a new Axos Bank customer, i.e. they have never owned an Axos Bank account.
• Apply through the referral link you provided.
• Be approved to open the account.
• Add $500 or more to their new account.
• Receive a direct deposit of $100+.

After your friend has made the initial $500+ deposit, and maintained an average minimum daily balance of $500+ for a month, you'll receive $10. If your friend then receives a direct deposit of $100+ and maintains the $500 minimum balance for the next month as well, you'll receive the last $10 into your account. By the way, your friend will also receive the reward!

Axos Bank's chatbot Evo, as in "Banking Evolved", is your financial assistant you can safely reach out to with any basic banking questions or requests you may have. Evo is accessible via the tiny x icon at the bottom of most Axos Bank web pages.

Evo gives you information about your transactions, balances, mortgage payment due days, recent deposits, and alike. You can also ask Evo to transfer money between your internal Axos Bank accounts, in case you have both a savings and a checking account with Axos Bank. You can tell Evo to pay your Axos Bank loans, as well. With a simple command, Evo can tell you where the nearest ATM is, and more.

While Evo can answer some of the questions without your logging in to your account, some, more specific inquiries and task request do require you to be signed in to your online bank account, whether through a browser or Axos Bank's mobile app.

Axos Bank routing number is 122287251.