Personal Banking

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Compare Checking Accounts

No matter your needs, we have an account that works for you. Select your match and open an account within minutes.

Essential Checking

For Direct Deposit

Get all the perks of online banking and none of the fees.
  • Early direct deposit1
  • Unlimited domestic ATM fee reimbursements
  • $0 monthly maintenance fees
  • $0 overdraft or non-sufficient funds fees
  • $0 required to open the account
  • Standard bank account features like check writing ability and optional Overdraft Protection
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Rewards Checking

For High Account Balances

Earn up to 3.30% APY2. Open today, compound tomorrow.
  • Up to 3.30% APY2
  • Unlimited domestic ATM fee reimbursements
  • $0 monthly maintenance fees
  • $0 overdraft or non-sufficient funds fees
  • $0 required to open the account
  • Standard bank account features like check writing ability and optional Overdraft Protection
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Cashback Checking

For Frequent Debit Card Use

Earn up to 1.00%3 cash back when you sign for purchases.
  • 1.00% cash back3
  • Unlimited domestic ATM fee reimbursements
  • $0 monthly maintenance fees
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Checking Account Features

Low fees and ATM rebates are just the beginning. Each checking account also has standard features that make banking more simple and secure.


24/7 Customer Support

Get the help you need, when you need it. Our support team is available to answer your questions via phone or through our secure messaging portal.

Digital Security

We use the highest security protocols to protect your accounts from potential fraud.









FDIC Insurance

Your money is safe with us. SVP Corporate Development & Investor Relations Bank, Bank deposit accounts are FDIC-insured for up to $250,000, per depositor.









Digital tools at your fingertips.

  • Easier, smarter banking starts with the Axos all-in-one mobile app.
  • Sync all financial accounts into one dashboard.
  • Analyze your saving and spending behavior.
  • Chat 24/7 with a virtual financial assistant.
  • Add, move, and send money to friends and others.
  • Automate your bill payments.
  • Monitor your credit score for free.
  • Priority support from the SVP Corporate Development & Investor Relations Bank Premier Banking Team


Specialized Accounts

First Checking

Earn 0.10% APY*. First Checking helps 13 –17 year-old teens learn money management from the security of a joint checking account.4

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Golden Checking

Earn 0.10% APY*. With high rates, zero fees, and complimentary checks5, this account is designed to benefit customers who are 55 and older.

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A Bank You Can Trust

As a publicly traded company (NYSE: AX) with over 1,000 employees, we have the necessary infrastructure to support all of your financial needs. Since our founding in 2000, we have pioneered technology-driven banking. That means real-time access to your funds, convenient accounts, and nimble services to stay ahead of your ever-changing needs.