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Axos Bank Cashback Checking

in Checking Accounts from Axos Bank · Member FDIC

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Axos Bank Cashback Checking

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in Checking Accounts from Axos Bank · Member FDIC

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SUPERMONEY NET RECOMMENDATION SCORE

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Monthly Fee $0
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee $0
APY (Annual Percentage Yield) 0%

Axos Bank Cashback Checking Review

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.
  • $0 monthly fee. This account does not charge a monthly maintenance fee.
  • $50 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • No ATM fees. Axos Bank Cashback Checking does not charge fees on ATM transactions.
  • ATM fee reimbursements. This account will reimburse you for the ATM fees charged by other financial institutions
  • Free bill pay. Pay your bills to practically anyone in the United States through Axos Bank.
  • Hard credit pull. Axos Bank may require a hard pull on your credit report to open a checking account.
Axos Bank Cashback Checking Pros & Cons
Pros Cons
  • Customers can earn up to 1% cash back on signature-based purchases. ($2,000 cash back limit per month)
  • Unlimited domestic ATM fee reimbursement.
  • Available in all 50 states.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • Non interest bearing account.
  • Customers must maintain a $1,500 average daily balance to earn cash back.
  • No signup bonus.
  • Does not earn interest
  • Not FDIC-insured.
  • Higher than average wire transfer fees.
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 to open an account.

Axos Bank Cashback Checking Account Minimums
Description Amount
Minimum Initial Deposit $50

What fees does Axos Bank Cashback Checking charge?

The good news is that this account does not have a monthly service charge.

Axos Bank Cashback Checking Fees
Description
Monthly Fee $0
Paper Statement Fee $5
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $0
NSF Fee $25
Overdraft Protection Fee (per transfer) $0
Overdraft Item Fee $25
Early Account Closure $0
Returned Deposit Fee (Domestic) $10
Debit Card Replacement Fee $5
Bank Teller Fee N/A
Check Cashing Fee N/A
Online Bill Pay Fee $0
Stop Payment Fee $10
Check Image Service N/A
Check Copy N/A
Foreign Transaction Fee (Debit Card) 1%
Wire Transfer Fee - Domestic (Outgoing) $35
Wire Transfer Fee - International (Outgoing) $45
Wire Transfer Fee - International (Incoming) $0
Returned Deposit Fee (International) $10
Wire Transfer Fee - Domestic (Incoming) $0
ATM Reimbursement Monthly Limit N/A

What features and perks does Axos Bank Cashback Checking offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for the ATM fees charged by other networks.
  • Fraud monitoring - Axos Bank Cashback 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 Cashback 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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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Combined Balance to Avoid Monthly Fee $0
Minimum Direct Deposit to Avoid Monthly Fee $0
Minimum Initial Deposit $50
Minimum Balance to Avoid Monthly Fee $0
ATM Fee: In-Network $0
Early Account Closure $0
Monthly Fee $0
Online Bill Pay Fee $0
Overdraft Protection Fee (per transfer) $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
ATM Fee: Out-of-Network $0
Debit Card Replacement Fee $5
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $25
Overdraft Item Fee $25
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $10
Returned Deposit Fee (International) $10
Stop Payment Fee $10
Wire Transfer Fee - Domestic (Outgoing) $35
Wire Transfer Fee - International (Outgoing) $45
Bank Account Features
  • No ATM Fees
  • Debit Card
  • Free Bill Pay
  • Fraud Monitoring
  • Mobile Banking
  • Nationwide ATM Network
  • ATM Reimbursement
  • No Monthly Maintenance Fee
  • Mobile Check Deposit

Axos Bank Cashback Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

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-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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