Axos Bank Golden Checking Account

Since Axos Bank is an online-only bank, the only way to open the Axos Bank Golden Checking account is by completing an online form, available on the bank's website, and accessible when you click on the "APPLY NOW" button a bit higher on this page.

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.

Axos Bank's Golden Checking account is available to people aged 55+.

While Axos Bank doesn't offer a savings account designed specially for senior citizens, at the time of application for the Golden Checking, you'll be asked whether you'd like to open the Axos Bank High-Yield Savings Account. This free savings account comes with a 0.90% APY, free ATM card (optional), many digital banking tools, and enhanced security features. You can open it without having to meet any minimum opening deposit requirements.

You can order one free box of Colonial Classic checks (50 per pack) every 6 months. This means you get 100 free checks per year, since you can't receive more than 2 packs of checks for free.

Ordering checks is quick and easy, done in a couple of clicks!

When you sign in to your online banking, select the "Accounts" tab, choose the account, and go to "Account Details". The option to order checks is available under "I want to...".

Remember that you have the right to receive 2 free packs of checks per year (once every 6 months), after which, you will have to pay a $10 fee. To avoid paying for new checks, you can always use Bill Pay to set up electronic bill payments or issue physical checks to any U.S. address.

As per Axos Bank's Disclosure, the bank won't charge you any ATM fees. However, other ATM owners or networks may charge you a fee when using their ATM to access your Golden Checking funds with your Axos Bank debit card. That said, Axos Bank will reimburse you up to $8 each month, but only when using ATMs in the United States, not abroad.

Evo is Axos Bank's virtual financial assistant, more specifically, a chatbot, created to help Axos Bank customers with some basic banking tasks and requests.

You can chat with Evo when you log in to your Golden Checking account, whether it be through a web browser or Axos Bank's mobile app. There's a tiny x-like button, which represents Evo.

Evo can help you manage your account whenever you need assistance by providing you with instant answers to almost any account-related questions you may have. For example, you can ask Evo to give you information about your account balance, recent deposits, last purchase and transaction, mortgage and loan payment due dates, loan interest rates, and alike. You can also ask him to do things for you: pay your loan or mortgage, transfer funds between your Axos Bank accounts, and find the closest ATM.

You can also chat with Evo before becoming an Axos Bank customer - a list of frequently asked questions is available when you open the chat, but you can also just type "help" to see what Evo knows, and can help you with.

In case you don't find answers to your questions or issues in the Support section of the Axos Bank website, and Evo can't help you either, you can always talk to a real person. There are 2 ways to get in touch with them:

• You can text them through online banking/mobile app.
• You can call them at 1-888-502-2967 (24/7).

Each time you invite a friend to open an Axos Bank Essential Checking account using your personal link (provided by Axos), and your friend gets approved, you can earn up to $20. 

However, 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.
• 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!

The best of all? There's no limits to the number of friends you can refer!

Yes, Axos Bank is a FDIC member! The fact Axos Bank being an online bank should not be a red flag when it comes to your deciding whether to do business with them or not. It's completely safe to bank with Axos Bank: your deposit account is insured to up to $250,000.

Additionally, Axos Bank's top priority is to ensure the safety of their customers. You can check out their website for more information on security features and measures included in their banking product and service offers.