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Axos Bank First Checking Account
in Checking Accounts from Axos Bank · Member FDIC
Claimed

Axos Bank First Checking Account

Claimed
in Checking Accounts from Axos Bank · Member FDIC
SuperMoney Net Recommendation Score +67  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +67, equating to 4.3 on a 5 point rating scale.

+67

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.

Strongly recommended

4 users recommend
2 users are unsure
0 users don't recommend
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Highlights
Community Rating Strongly recommended
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.10%
(Verified 07/08/2022)
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee Starting at $0
Number of Reviews 6

Axos Bank First Checking Account Review

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

Key Takeaways

  • Higher than average APY. Axos Bank First Checking Account has an annual percentage yield of up to 0.10%, which is higher than the national average interest rate on savings accounts.
  • 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.
  • Up to $12 in 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.

AXOS checking account Pros & Cons

Pros Cons
  • Interest bearing account.
  • No overdraft fees.
  • Teaches children about money management, with a the safety of a parent as joint-owner of the account.
  • Joint accounts available.
  • Available in all 50 states.
  • Interest-yielding account.
  • Free debit card
  • Access to a nationwide network of ATMs.
  • No charge on incoming domestic or international wire transfers.
  • Limited to daily $100 cash withdrawal and $500 of Point-of-Sale transactions.
  • Focused only on customers who are 13 through 17 years old and have an adult co-owner on the account.
  • No signup bonus.
  • Higher than average wire transfer fees.

AXOS checking account 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 checking account offer?

Axos Bank First Checking Account Rates & Terms
Description
APY (Annual Percentage Yield) 0.10%

AXOS checking account offers an APY of 0.10% (APY stands for annual percentage yield, rates may change).

What are the account minimums for AXOS checking account?

AXOS checking account does not require a minimum initial deposit.

Axos Bank First Checking Account Minimums
Description
Minimum Balance to Earn APY $0
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 checking account charge?

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

Axos Bank First Checking Account Fees
Description
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $12
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 Starting at $0

Does AXOS checking account charge overdraft fees?

No, AXOS checking account does not charge overdraft fees.

What features and perks does AXOS checking account offer?

This account includes the following features:

  • ATM rebates - This account will reimburse you for any domestic ATM fees up to a monthly maximum of $12.
  • Fraud monitoring - AXOS checking account 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 checking account 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 checking account?

The customer support email for AXOS checking account is contactaxos@axosfs.com.

How do people rate the customer service and user experience of AXOS checking account?

Overall, AXOS checking account is strongly recommended based on community reviews that rate customer service and user experience.

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Message From Axos Bank

No matter your needs, we have an account that works for you. Select your match and open an account within minutes. Low fees and ATM rebates are just the beginning. Each checking account also has standard features that make banking more simple and secure.

First Checking --- Ready to teach your child money management? First Checking offers financial freedom with the security of a joint checking account. No fees, plus essential skills to last a lifetime.

 

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • 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

Feature Breakdown

Minimum Balance to Earn APY $0
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
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 Starting at $0
ATM Reimbursement Monthly Limit $12
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
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Proof of citizenship/residence (Green Card)
  • Proof of Identity
  • Government Issued Photo ID
  • U.S. Tax Identification Number
  • Social Security Number
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • ATM Reimbursement
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card
  • Joint Accounts
Signup Bonus Starting at $0
APY (Annual Percentage Yield) 0.10%
(Verified 07/08/2022)

Axos Bank First Checking Account Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +67, equating to 4.3 on a 5 point rating scale.

+67

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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