Axos Bank

Website: https://www.axosbank.com
Type: Online-only bank (FDIC insured, Certificate #35546)
Parent: Axos Financial, Inc.
NMLS#: 524995

Overview

Axos Bank is a fully online bank offering personal banking, business banking, lending, and investment services. It has been recognized as:

• Best Checking Account Overall — The Ascent
• America's Best Online Bank — MyBankTracker
• Best Online Bank for Savings & Checking — Millennial Money

Featured Product: Axos ONE®

Axos ONE® is a bundled Checking + Savings account.

• Promotional APY: Up to 4.21% APY on Savings (accurate as of 3/17/2026)
• Checking APY: 0.51% promotional / 0.00% base
• Savings APY: 4.21% promotional (first $249,999.99) / 3.50% on balance above that / 1.00% base
• Monthly maintenance fees: None
• Early paydays: Yes (via early direct deposit)

Qualification Requirements (either Option 1 or Option 2):

Option 1:

1. Monthly qualifying direct deposits ≥ $1,500
2. Average daily checking balance ≥ $1,500

Option 2:

1. Monthly qualifying deposits ≥ $5,000
2. Average daily checking balance ≥ $5,000

Qualification Period:

• Runs from the 1st business day of the month through the 25th
• New accounts: qualification begins on approval date
• Accounts opened on/after the 25th are eligible starting the following month

What counts as a qualifying direct deposit:

• Electronic ACH paycheck or government benefits (e.g., Social Security, Disability)
• Does NOT include: international paychecks, P2P payments, internal transfers, mobile check deposits

What counts as a qualifying deposit:

• ACH transfers from external accounts, inbound wire transfers, mobile check deposits, real-time payments
• Does NOT include: internal transfers, interest payments, bonuses, credits/reversals, ATM deposits

Personal Banking Products

Bank

• Checking Accounts — https://www.axosbank.com/personal/bank/checking-accounts
• Savings Accounts — https://www.axosbank.com/personal/bank/savings-accounts
• Premier Banking — https://www.axosbank.com/personal/bank/premier

Borrow

• Mortgages — https://www.axosbank.com/personal/borrow/mortgages
• Personal Loans — https://www.axosbank.com/personal/borrow/personal-loans
• Auto Loans — https://www.axosbank.com/personal/borrow/auto-loans
• Marine Loans — https://www.axosbank.com/personal/borrow/marine-loans

Invest (via Axos Invest)

• Managed Portfolios — https://www.axos.com/invest/Managed-Portfolios
• Self-Directed Trading — https://www.axos.com/invest/self-directed-trading

Plan

• Axos Mobile App — https://www.axosbank.com/tools/payment-apps/mobile-app
• Financial Tools — https://www.axosbank.com/tools
• Insights / Blog — https://www.axosbank.com/personal/insights

Business Banking Products

Small Business

• Checking — https://www.axosbank.com/business/business-checking-accounts
• Savings — https://www.axosbank.com/business/savings
• Services — https://www.axosbank.com/business/services

Commercial Banking

• Third Party Payment Processors
• HOAs & Property Management
• 1031 Exchange Qualified Intermediaries
• Title & Escrow
• Global Fiduciary Banking
• Hedge Funds & Alternative Fund Banking Solutions
• Treasury Management

Commercial Lending

• Equipment Finance
• Lender Finance
• Small Balance Commercial Real Estate
• Residential Warehouse Lending
• Commercial Real Estate Bridge & Construction Lending

Partner Programs

• Wholesale & Correspondent Lending — https://www.axosbank.com/partners/wholesale-correspondent-portfolio-lending
• Dealer Services — https://www.axosbank.com/partners/dealer-services
• Strategic Partnerships — https://www.axosbank.com/partners/strategic-partnerships
• Advisor Login — https://arms.axosadvisor.com

FDIC Insurance & Deposit Protection

• Standard FDIC insurance: up to $250,000 per depositor
• Joint accounts: up to $500,000
• Extended coverage via Axos Bank InsureGuard+ Savings through IntraFi® Network Deposits℠: up to $265 million
• All Axos Bank deposit accounts (across brands) are combined under FDIC Certificate #35546

Security Features

• Biometric authentication (fingerprint, facial recognition, voiceprint)
• Advanced data encryption
• Real-time account alerts (text, push, email)
• Debit card management (lock/unlock, travel notices, replacement)

Online Banking Features

• Bill Pay (automated recurring payments)
• Person-to-person payments (via mobile number or email)
• Mobile check deposit
• Early direct deposit (paydays up to 2 days early)
• ATM Locator — https://www.axosbank.com/personal/support/atm-locator

Mobile App

Available on iOS and Android.
Download: https://www.axosbank.com/appdl

Investment Disclosures

• Advisory services: Axos Invest, Inc. — SEC-registered investment adviser
• Brokerage services: Axos Invest LLC — Member FINRA & SIPC
• SIPC protection: up to $500,000 (including $250,000 cash limit)
• Securities are not FDIC-insured, not bank-guaranteed, and subject to investment risk

Key Links

Login Portals

© 2026 Axos Financial, Inc. | Axos Bank® | Axos Invest LLC (Member FINRA & SIPC) | Axos Invest, Inc. All Rights Reserved.