RateHerald

APY, up to

1.00%

As of Nov 8, 2026. The bank states it as “up to” and doesn’t say what a balance earns.

Axos Bank · Checking account

Axos Checking

$100 bonus with our referral link

$0 a year for an everyday customer. No monthly fee. No minimum to open.

Checked Nov 8, 2026Updated

A year, everyday customer
$0
APY, up to
Monthly fee
To open

Offer

Bonus

Through RateHerald’s referral link

$100

Be approved, fund within 60 days; $1,500 in new Direct Deposits to Checking within 90 days of opening.

Axos’s referral bonus for new customers

Get the $100 bonusPartner offer: we may be paid if you open an account

“A $100 bonus will be earned by the Friend and by the Advocate when a total of $1,500 in new funds has been received via Direct Deposit into the Friend’s eligible Axos Checking account within the first 90 days after account opening.”The referral page on axosbank.com, checked Oct 25, 2026

Against the market

How it ranks

#422of 1043 checking accounts, by a year’s value for an everyday customer

All 1043 checking accounts, ranked

Features

  • ATM fee rebates
  • Bill pay
  • Debit card
  • Early direct deposit
  • Interest bearing
  • Mobile check deposit
  • No minimum balance
  • No overdraft fees
  • Online opening
  • Spending alerts
  • Support 24/7

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

In the bank’s words

Terms

Rate conditions

To earn the APY
at least $1 in qualifying Direct Depositaxosbank.com, checked Nov 8, 2026

Fees

Monthly fee
Noneaxosbank.com, checked Nov 8, 2026
Minimum to open
Noneaxosbank.com, checked Nov 8, 2026
Overdraft fee
Noneaxosbank.com, checked Nov 8, 2026
ATM network
95,000+ ATMs nationwideaxosbank.com, checked Nov 8, 2026
ATMs in the network
95,000axosbank.com, checked Nov 8, 2026
Out-of-network ATM fee
Noneaxosbank.com, checked Nov 8, 2026

FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 2 items counted at typical fees

Get the $100 bonusPartner offer: we may be paid if you open an account