Axos Bank Cashback Checking is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.
Last Updated: 04/23/2026
SuperMoney User Recommendation Score +43
Mostly recommended7 total votes
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Highlights
Community Rating
Mostly recommended
Welcome Offer
Starting at $0(Verified 06/21/2024)
Disclaimer popup with additional information
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0%(Verified 06/21/2024)
Disclaimer popup with additional information
Monthly Service Fee
$0(Verified 01/21/2026)
Disclaimer popup with additional information
Number of Reviews
Axos Bank Cashback Checking Review
Axos Bank Cashback Checking is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
The Axos Bank Cashback Checking is offered by Axos Bank, a bank founded in 2000 and based in San Diego, CA. Axos Bank Cashback checking is available in 50 states and Washington, DC.
Key Takeaways
- 0% APY. As with most checking accounts, Axos Bank Cashback Checking does not pay interest.
- Supports joint accounts. This allows two people to have equal authority over the management of an account.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- No ATM fees. Axos Bank Cashback 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 Cashback checking Pros & Cons
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Axos Bank Cashback checking FAQ
Are checking accounts from Axos Bank federally insured?
Yes, your Axos Bank checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #35546). 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 Cashback checking offer?
Axos Bank Cashback checking is not an interest-bearing account.
What are the account minimums for Axos Bank Cashback checking?
Axos Bank Cashback checking requires a minimum initial deposit of $50.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Combined Balance to Avoid Monthly Maintenance Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Axos Bank Cashback 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Axos Bank Cashback checking charge overdraft fees?
Yes, Axos Bank Cashback checking charges a $25 fee for every overdraft.What features and perks does Axos Bank Cashback checking offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for domestic ATM fees .
- Fraud monitoring - Axos Bank Cashback checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Axos Bank Cashback checking allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for Axos Bank Cashback checking?
The customer support email for Axos Bank Cashback checking is businessbanking@axosbank.com.
How do people rate the customer service and user experience of Axos Bank Cashback checking?
Overall, Axos Bank Cashback checking is mostly recommended based on community reviews that rate customer service and user experience.
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Message from Axos Bank Cashback checking
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
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Rating not yet determined (2 Reviews)
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Mortgage Refinance
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Other Checking Accounts from Axos Bank
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0%
Disclaimer popup with additional information
Monthly Service Fee
$0
Disclaimer popup with additional information
Bonus Offer
Starting at $0
Disclaimer popup with additional information
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.10%
Disclaimer popup with additional information
Monthly Service Fee
$0
Disclaimer popup with additional information
Rating not yet determined
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
Up to 4.21%
Disclaimer popup with additional information
Monthly Service Fee
$0
Disclaimer popup with additional information
Rating not yet determined
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
Up to 2.00%
Disclaimer popup with additional information
Monthly Service Fee
$0
Disclaimer popup with additional information
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +43, or 3.9 on a 5-point rating scale.
+43
-1000+100
No one recommends
Everyone recommends
Axos Bank Cashback Checking Community Reviews
Would you recommend Axos Bank Cashback Checking to your friends?
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
ability to pay your bills through this service, no monthly fees asked, and so many more benefits towards customers ,
MD
Maniya D.
Jul 28, 2022
May or may not recommend
ability to pay your bills through this service, no monthly fees asked, and so many more benefits towards customers ,
GM
Gabriel M.
Jul 22, 2022
May or may not recommend
I use this bank to pay my bills and it's easy even if i'm traveling with my family.
And there's no monthly service!
Omar N.
Jul 1, 2022
May or may not recommend
Bait and switch. I immediately asked for my direct deposit to be sent here to make a 60-day bonus offer. My first deposit will be 3 days after the 60-day limit. I now scheduled some funds for the axos account so it isn't closed before the first direct deposit. But you can bet I will be spending new years days looking for a new bank.
SJ
Sachida J.
Jun 14, 2022
May or may not recommend
Overall, I was really pleased with Axos Bank Cashback Checking. The account offered great value in terms of the cash back rewards and the customer service was excellent. I would definitely recommend this account to anyone looking for a good checking account option
U
Anonymous
Aug 20, 2020
May or may not recommend
Axos has been very convenient. I’m able to take cash out in any ATM nearby, whether under their network or not, it won’t charge an extra fee. I find it trouble-free to handle any issue that may arise, even when I travel. And its because it’s available in all the states.
DH
Diana H.
Jul 16, 2020
May or may not recommend
AXOS bank is a rip-off! They keep giving you fees that aren't justified.
They are essentially thieves.
Showing 7 of 7 reviews
