Axos Bank Essential Checking
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Would you recommend Axos Bank Essential Checking to your friends?
| Community Rating | Strongly recommended |
| Cashback Rewards | N/A |
| APY (Annual Percentage Yield) | 0% |
| Monthly Fee | $0 |
| Minimum Balance to Avoid Monthly Fee | Starting at $0 |
| Number of Reviews | 6 |
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
- Up to $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.
- Supports joint accounts. This allows two people to have equal authority over the management of an account.
- $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 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 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 |
|---|---|
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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.
| Description | |
|---|---|
| Minimum Combined Balance to Avoid Monthly Fee | $0 |
| Minimum Direct Deposit to Avoid Monthly Fee | $0 |
| Minimum Opening Deposit | Starting at $0 |
| Minimum Balance to Avoid Monthly Fee | Starting at $0 |
What fees does Axos Bank Essential checking charge?
The good news is that this account does not have a monthly Service Charge.
| 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:
- $100 Bonus offer. Open a new account and you can get up to $100 (see terms and conditions for more details).
- ATM rebates - 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.
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Message From Axos Bank
Contact
- Headquarters
-
4350 La Jolla Village Drive
Suite 140
San Diego, CA 92122 - Visit Site
- Email Support
Other Services by Axos Bank
View all checking accounts offered by Axos Bank
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 |
Axos Bank Essential Checking Community Reviews
Would you recommend Axos Bank Essential Checking to your friends?
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