Axos Bank Golden Checking Account

Senior citizens can apply for Golden Checking, and enjoy plenty of perks, some of which are:

  • competitive APY rates,
  • no monthly fees,
  • domestic ATM fee reimbursements,
  • free checks!

securely on the bank's website

Axos Bank has designed Golden Checking to attract senior citizens by offering them a free checking account, rewarding in more ways than one. Not only will Golden Checking accountholders earn interest on their daily balance, but they can also earn unlimited bonuses when they invite friends to open Axos Bank's Essential Checking account!

This checking account has all one needs for daily banking tasks, including debit card management features, online and mobile banking tools with Digital Wallet and free Bill Pay, mobile check deposits, and more. Without any monthly maintenance, overdraft or NSF fees, the Golden Checking gets even more attractive!

Furthermore, Axos Bank is offering more competitive APY rates than some other banks offer to their senior customers. You'll find senior checking accounts with a poor rate of 0.05%, while the Golden Checking lets you earn 0.20% on your balance - even though the difference might not be great, it's useful to know that it's important to always shop around prior to making your final decision.

That said, we must mention that, except for better APY rates, Golden Checking doesn't have any special perks for senior citizens. While this checking account does come with plenty of fee-free perks, it is lacking something that would really make it the perfect choice for seniors. This could be special discounts, free museum or any-experience tickets, whatever might be appreciated by elderly people. However, unlike, again, most other banks, Axos Bank did waive many account fees, so that's another plus for Golden Checking.

To summarize, it's totally up to you: if you're fine with Axos Bank being an online-only bank (definitely no waiting in line!), as well as with using online and mobile banking for daily money management and customer support, then opening a Golden Checking might be just the banking solution you were looking for!

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 Golden Checking Account FAQ

1. How can I open an 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.
2. How old do I need to be to open an Axos Bank Golden Checking Account?

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

3. Is there a savings account linked to the Axos Bank Golden Checking Account?

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.

4. How can I get free personal checks with my Axos Bank Golden Checking Account?

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.

5. How can I order more checks from Axos Bank?

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.

6. How can I avoid ATM fees with Axos Bank?

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.

7. How can Evo help me?

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.

8. How can I talk to a real Axos Bank customer support representative?

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).
9. How does Axos Bank's referral program work?

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!

10. Is Axos Bank FDIC-insured?

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.

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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