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Axos Bank Essential Checking

in Checking Accounts from Axos Bank · fdic

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Axos Bank Essential Checking

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in Checking Accounts from Axos Bank · Member FDIC

Net Recommendation Score +50

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +50, equating to 4 on a 5 point rating scale.

+50

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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3 users recommend
0 users are unsure
1 user doesn't recommend
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Highlights
Community Rating

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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 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 available in 50 states (and Washington, DC).

Key Takeaways
  • $100 Bonus offer. Open a new account and you can get up to $100 (see terms and conditions for more details).
  • 0% APY. As with most checking accounts, Axos Bank Essential Checking does not pay interest.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • No minimum initial deposit. There is no minimum balance required to open an account.
  • No ATM fees. Axos Bank Essential Checking does not charge fees on ATM transactions.
  • ATM fee reimbursements. 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 through Axos Bank.
  • Early direct deposit. Get access to you paycheck funds faster If you set up a direct deposit to this account.
Axos Bank Essential checking Pros & Cons
Pros Cons
  • Unlimited domestic ATM fee reimbursements.
  • Offers a $100 bonus offer.
  • Available in all 50 states.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • Does not earn interest
  • Higher than average wire transfer fees.
Axos Bank Essential 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 Essential checking 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 Opening Deposit $0

What fees does Axos Bank Essential checking charge?

The good news is that this account does not have a monthly Service Charge.

Axos Bank Essential Checking Fees
Description
ATM Fee: In-Network $0
Debit Card Replacement Fee $5
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0
NSF Fee $0
Online Bill Pay Fee $0
Overdraft Item Fee $0
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $10
Returned Deposit Fee (International) $10
Stop Payment Fee $10
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $35
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $45
ATM Fee: Out-of-Network $0

Does Axos Bank Essential checking charge overdraft fees?

No, Axos Bank Essential checking does not charge overdraft fees.

What features and perks does Axos Bank Essential checking offer?

This account includes the following features:

  • Signup bonus - You must open your new Essential Checking account at the same time as your High Yield Savings account and have a Direct Deposit totaling at least $1,000 from a third party within the first 60 days of account opening to your Essential Checking account to qualify for this bonus.
  • ATM reimbursement - This account will reimburse you for any domestic ATM fees.
  • Fraud monitoring - Axos Bank Essential 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.
  • Get paid early - If you set up direct deposit with your employer and request this service, you can collect your salary early.
  • Mobile Banking Services - Axos Bank Essential checking allows you to manage your money online or with a mobile app. This includes depositing checks 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 Essential checking?

The customer support email for Axos Bank Essential checking is contactaxos@axosfs.com.

How do people rate the customer service and user experience of Axos Bank Essential checking?

Overall, Axos Bank Essential checking is strongly recommended based on community reviews that rate customer service and user experience.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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

ATM Fee: In-Network $0
Early Account Closure $0
Monthly Fee $0
NSF Fee $0
Online Bill Pay Fee $0
Overdraft Item 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%
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
Account Features
  • No ATM Fees
  • Get Paid Early
  • Debit Card
  • Free Bill Pay
  • Fraud Monitoring
  • Mobile Banking
  • Nationwide ATM Network
  • ATM Reimbursement
  • No Monthly Maintenance Fee
  • Mobile Check Deposit
Bonus Offer You must open your new Essential Checking account at the same time as your High Yield Savings account and have a Direct Deposit totaling at least $1,000 from a third party within the first 60 days of account opening to your Essential Checking account to qualify for this bonus.
Signup Bonus $100

Axos Bank Essential Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +50, equating to 4 on a 5 point rating scale.

+50

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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