RateHerald

APY, up to

5.00%

  • 5.00% for the first 6 months
  • Then: the bank doesn’t say

As of Nov 1, 2026. The bank states it as “up to” and doesn’t say what a balance earns.

Axos Bank · Savings account

Axos ONE Savings

Promotional rate · lasts 6 months$50 bonus with our referral link

No monthly fee. No minimum to open.

Checked Nov 1, 2026Updated

APY, up to
Monthly fee
To open

Offer

Bonus

Through RateHerald’s referral link

$50

Be approved, fund both accounts 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 $50 bonusPartner offer: we may be paid if you open an account

“A $50 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 ONE Checking account within the first 90 days after account opening.”The referral page on axosbank.com, checked Oct 25, 2026

Features

  • Extended deposit insurance
  • Interest bearing
  • No minimum balance
  • No overdraft fees
  • Online opening

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

Balance needed for the APY
$0axosbank.com, checked Nov 1, 2026
To earn the APY
Option 1: Receive at least $1,500 in total monthly qualifying direct deposits and maintain an average daily balance of at least $1,500 (meet with your Axos ONE Checking account). Qualifying transactions must post and clear the account by the 25th of the month.
  • Option 2: Receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of at least $5,000 (meet with your Axos ONE Checking account). Qualifying transactions must post and clear the account by the 25th of the month.
axosbank.com, checked Nov 1, 2026
APY when those aren’t met
1.00%axosbank.com, checked Nov 1, 2026
Promotional rate lasts
6 monthsaxosbank.com, checked Nov 1, 2026

Fees

Monthly fee
Noneaxosbank.com, checked Nov 1, 2026
Minimum to open
Noneaxosbank.com, checked Nov 1, 2026
Overdraft fee
Noneaxosbank.com, checked Nov 1, 2026
ATMs in the network
95,000axosbank.com, checked Nov 1, 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

Get the $50 bonusPartner offer: we may be paid if you open an account