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Axos Bank Essential Checking

in Checking Accounts from Axos Bank

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Axos Bank Essential Checking

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in Checking Accounts from Axos Bank

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Highlights
Highlights
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee $0
ATM Fee: Out-of-Network $0
APY 0%

Axos Bank Essential Checking Review

Axos Bank Essential Checking is offered by Axos Bank, a bank founded in 2000 and based in San Diego, CA. Axos Bank Essential Checking is offered in 50 states (and Washington, DC).

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 offer?

Axos Bank Essential Checking is not an interest-bearing account.

What are the account minimums for Axos Bank Essential Checking?

Axos Bank Essential Checking does not require a minimum initial deposit.

Axos Bank Essential Checking Account Minimums
Description Amount
Minimum Initial Deposit $0

What fees does Axos Bank Essential Checking charge?

The good news is that this account does not charge a monthly maintenance fee.

Axos Bank Essential Checking Fees
Description
Monthly Fee $0
Paper Statement Fee $5
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $0
NSF Fee $0
Overdraft Protection Fee (per transfer) $0
Overdraft Item Fee $0
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 Essential 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 Essential 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 Essential Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
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Availability

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

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

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