Axos Bank Essential Checking Account

A no-fee checking account featuring:

  • unlimited domestic ATM fee reimbursements,
  • no overdraft or non-sufficient funds fees,
  • no minimum monthly balance requirements,
  • early direct deposit,
  • exclusive Visa offers and perks.

securely on the bank's website

With checking account fees reduced to a minimum, the Axos Bank Essential Checking Account might be great for those looking for a free checking account that still includes plenty of features for one's daily banking needs. 

The Axos Bank Essential Checking comes with many attractive and convenient banking perks and tools, including a great mobile banking app, virtual financial assistance, a Visa debit card, and unlimited domestic ATM reimbursements!

Everything's designed with Axos Bank's customers in mind, in order to provide a great banking experience, and make banking easier. The perks offered through this checking account offer let you bank on the go, since you can access your account at any time. You can even contact Axos Bank's customer support wherever your are, and whenever you want, since they're available 24/7. There's also a chatbot to help you with some banking questions and basic banking tasks, as well!

Because Axos is a digital bank, one of their major concerns is to ensure a safe online banking experience to all of its customers, which is why they've designed and implemented encryption technologies, account monitoring, antivirus software, and many other security tools and practices that add extra layers of protection. In addition to that, all of the bank's deposit accounts are FDIC-insured, so you can bank knowing your money is protected, not just against theft, but also in case Axos Bank fails.

Additionally, while this isn't a rewards checking account in that you earn cash back or points, it still rewards you each time you refer a friend, without any restrictions to the number of referrals!

So, if you don't need a brick-and-mortar bank to do business with, you should consider the Axos Bank Essential Checking Account. However, do keep your options open, and do shop around, as there are other neobanks offering even better checking account options.



Checking account details

Checking account fees

  • Monthly Fee
  • APY
  • Minimum Deposit to Open
  • Out-of-Network ATM Transaction Fee
  • Out-of-Network ATM Withdrawal Fee
  • Overdraft Fee
  • Non-Sufficient Funds Fee
  • Foreign Transaction Fee

Axos Bank Essential Checking Account FAQ

1. How can I open an Axos Bank Essential Checking Account?

To open an Essential Checking Account with Axos Bank, you need to complete a short checking account application form, available online, when you click on the "APPLY NOW" button available on this page.

You'll be asked to provide 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.
2. What ATMs can I use with Axos Bank?

As an Axos Bank customer, you can withdraw money at around 91,000 fee-free ATMs across the United States. You can use Axos Bank's ATM locator to find ATMs nearby.

3. How can I deposit cash into my Essential Checking Account?

Since Axos Bank partners with Green Dot Network®, you can deposit cash into your account at approximately 100,000 of America's largest and most respected retailers, such 7-Eleven, ACE Cash Express, CVS, Dollar General, Kroger, Rite Aid, Safeway, Walgreens, and Walmart.

You simply need to ask the cashier to add cash directly to your Axos Bank debit card at the register. The funds should be available on your card within 10 minutes. Keep it mind retailers may charge a fee of up to $4.95 per transaction. You can deposit any amount between $20 and $500, but at some Walmart locations, the amount can go up to $1,000 or up to $1,500 at participating ACE Cash Express locations. Visit to find a participating location in your area.

Another option to make cash deposits is at deposit-taking ATMs, which you can find using Axos Bank's ATM locator.

4. Is there a mobile app available for Essential Checking accountowners?

Sure there is! Axos Bank has designed a convenient mobile app, available for iPhone and Android devices.

With the app, you can check your account balances and transaction history, transfer funds between eligible accounts, pay bills, deposit checks, contact customer support, set up account alerts, and more. 

The app has built-in security features allowing you to bank on the go knowing your information is safe!

5. How do I make mobile check deposits with the Axos Bank mobile app?

Check deposits are piece of cake with the Axos Bank mobile app - free, fast, and secure! All you need to do is sign the back of your check, take a photo of the front and back of the check, and then upload your check in the Axos Bank mobile app.

6. What is the Direct Deposit Express service that's included in my Axos Bank Essential Checking Account?

With Direct Deposit Express, you can get paid up to 2 early when you set up direct deposit with your Essential Checking Account. 

7. How can I earn cash with Axos Bank's Refer a Friend?

Each time you invite a friend using your unique referral link to open the Axos Bank Essential Checking Account to a friend, you will receive $20!

That said, there are some 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!

While this might be a bit long of a procedure, it's still free money! Plus, there are no limits to the number of friends you can refer, so you can earn unlimited amounts if your friends meet the requirements, and open an Essential Checking Account using your link!

8. Who or what is Evo?

Evo, from "Banking Evolved", is your virtual financial assistant that answers your banking questions, and helps you stay on top of your finances by helping you check your balances, transfer money between any of your internal accounts, and even make loan payments, if you have any with Axos Bank.

You can ask Evo to give you information about your last transaction, mortgage payment due dates, recent deposits, nearest ATMs, and more.

You can chat safely and securely with Evo using either Online Banking, when you sign in through a web browser, or directly in the Axos Bank Mobile App. You'll find the Evo button when you access your Axos Bank Essential Checking Account - it's a tiny x button you need to select to begin using Evo.

9. How can I contact a live Axos Bank customer support?

If you aren't comfortable using Evo or need to talk to a real person, you can send a secure message through your Online Banking dashboard, or call Axos Bank's customer support at 1-888-502-2967, available non-stop, except for Thanksgiving Day and Christmas Day).

10. What kind of special offers and perks do I get with my Asos Bank Visa debit card?

There are many offers and perks available to Visa debit cardholders, such as shopping discounts, exclusive shipping rates, special experience pricing, and more. You can see Visa's current deals on its debit cards directly on the Visa website.

Check Out Other Products From Axos Bank
Bank Monthly Service Charge Minimum Deposit to Open APY
Axos Bank Essential Checking Account $0 $0 0.00%
Axos Bank Rewards Checking Account $0 $50 0.4166% - 1.25%
Axos Bank First Checking Account $0 $50 0.25%
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