Axos Bank


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Since July 4, 2020, Axos Bank has been providing personal, business, and commercial banking products and services across the United States.

Owned by Axos Financial, and member of the FDIC, Axos Bank is headquartered in San Diego, California, with offices in Laguna Hills, California; Los Angeles, California; Overland Park, Kansas; Omaha, Nebraska; Las Vegas, Nevada; New York, New York; Columbus, Ohio; and Salt Lake City, Utah.

As one of the first digital banks, Axos Bank is driven to create a unique banking experience, combining their human know-how with tech expertise. The bank's goal is to make banking easier, which is why it provides a unique range of products and services, offering minimum fees, competitive rates, and convenient money management solutions. Its "Banking EvolvedSM" mantra says it all.

Axos Bank has a great suite of business banking solutions and tools for small businesses, corporations, institutions, governments, and real estate investors. These products and services include small business checking accounts, savings accounts, CDs, as well as treasury management solutions, merchant services, and more. Plus, they also offer a set of services to their business partners, whether it be mortgage solutions, financial advisory, financing programs, dealer services or else.

When it comes to personal banking, Axos Bank offers checking accounts, savings accounts, CDs, mortgage, personal loans, and auto loans, all of which feature unique benefits and digital banking tools.

Axos Bank has 5 checking accounts:

  • Essential Checking Account,
  • Rewards Checking Account,
  • First Checking Account,
  • CashBack Checking Account,
  • Golden Checking Account.

First Checking and Golden Checking accounts are specialized, i.e. designed for a particular audience. First Checking is for young people aged 13-17, while Golden Checking is for senior citizens.

All of Axos Bank's deposit accounts are FDIC-insured.

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%
Axos Bank CashBack Checking Account $0 $50 0.00%
Axos Bank Golden Checking Account $0 $50 0.20%