Last Updated: 10/10/2025
Axos Bank Basic Business Checking
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in Business Checking Accounts from Axos Bank
Last Updated: 10/10/2025
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Highlights
Community Rating
Strongly recommended
Monthly Service Fee
$0(Verified 10/10/2025)
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ATM Fee: Out-of-Network (within the U.S.)
Starting at $0
Minimum Average Balance to Avoid Monthly Service Fee
Starting at $0
APY (Annual Percentage Yield)
0%(Verified 10/10/2025)
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Number of Reviews
Axos Bank Basic Business Checking Review
Axos Bank Basic Business Checking is offered by Axos Bank, a bank founded in 2000 and based in San Diego, CA. Axos Bank Basic Business Checking is available in 50 states and Washington, DC.
Key Takeaways
- Business owners get up to $400 welcome bonus!*. Open a business checking account by September 30th and get up to $400 when you use promo code NEW400 on your application.*
- 0% APY. As with most checking accounts, Axos Bank Basic Business Checking does not pay interest.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- $1,000 minimum opening deposit. This is a typical minimum initial deposit.
- No ATM fees. Axos Bank Basic Business Checking does not charge fees on ATM transactions .
- ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Axos Bank mobile or online banking.
Axos Bank Basic Business Checking Pros & Cons
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Axos Bank Basic Business Checking FAQ
Are business checking accounts from Axos Bank federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does Axos Bank Basic Business Checking offer?
Axos Bank Basic Business Checking is not an interest-bearing account.
What are the account minimums for Axos Bank Basic Business Checking?
Axos Bank Basic Business Checking requires a minimum initial deposit of $1,000 to open an account.
| Description | Amount |
| Minimum Initial Deposit | $1000 |
What fees does Axos Bank Basic Business Checking charge?
The good news is that this account does not have a monthly service charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $45 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does Axos Bank Basic Business Checking offer?
This account includes the following features:
- Business owners get up to $400 welcome bonus!*. Open a business checking account by September 30th and get up to $400 when you use promo code NEW400 on your application.*
- ATM reimbursement - This account will reimburse you for the ATM fees charged by other networks.
- Fraud monitoring - Axos Bank Basic Business Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Axos Bank Basic Business Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
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Message from Axos Bank Basic Business Checking
Promotional Offers
Earn up to $200
Open a Basic Business Checking account using promo code START200 by June 30, 2026.
Use below promo code:
Available NOW through July 1, 2026
Hours of Operation
Sunday
12:00AM - 12:00AM
Monday
12:00AM - 12:00AM
Tuesday
12:00AM - 12:00AM
Wednesday
12:00AM - 12:00AM
Thursday
12:00AM - 12:00AM
Friday
12:00AM - 12:00AM
Saturday
12:00AM - 12:00AM