Axos Bank Golden Checking is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.

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Last Updated: 05/11/2026

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Axos Bank Golden Checking

from Axos Bank

Last Updated: 05/11/2026

Strongly recommended7 total votes

6 users recommend

1 users don't recommend

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Highlights

Community Rating

Strongly recommended

Welcome Offer

Starting at $0(Verified 06/21/2024)

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Cashback Rewards

N/A

APY (Annual Percentage Yield)

0.10%(Verified 05/13/2025)

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Monthly Service Fee

$0(Verified 01/21/2026)

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Number of Reviews

Axos Bank Golden Checking Review

Axos Bank Golden Checking is no longer available to new customers on SuperMoney.

Click here to compare and quickly find the best options for your needs.

The Axos Bank Golden Checking is offered by Axos Bank, a bank founded in 2000 and based in San Diego, CA. AXOS checking account is available in 50 states and Washington, DC.

Key Takeaways

Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.10% .
No monthly maintenance fees. This account does not charge any monthly account fees.
Up to $8 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 when you enroll in Axos Bank mobile or online banking.

AXOS checking account Pros & Cons

Pros

Cons

Available in 50 states and Washington, DC.
Interest-yielding account.
Debit card
Access to a nationwide network of ATMs.
No charge on incoming domestic or international wire transfers.

No signup bonus.
Higher than average wire transfer fees.

AXOS checking account FAQ

Are checking accounts from Axos Bank federally insured?

Yes, your deposits are insured 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 Golden Checking 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 requires a minimum initial deposit of $50.

Axos Bank Golden Checking Minimums

Description

Minimum Average Balance to Avoid Monthly Service Fee

Starting at $0

Minimum Balance to Earn APY

Minimum Opening Deposit

Starting at $50

Minimum Average Combined Balance to Avoid Monthly Maintenance 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 Golden Checking Fees

Description

Monthly Service Fee

Paper Statement Fee

Starting at $5

ATM Fee: In-Network

Starting at $0

ATM Fee: Out-of-Network (within the U.S.)

Starting at $0

NSF Fee

Overdraft Item Fee

Starting at $0

Early Account Closure

Starting at $0

Returned Deposit Fee (Domestic)

Starting at $10

Card Replacement Fee (Standard Delivery)

Starting at $5

Online Bill Pay Fee

Starting at $0

Stop Payment Fee

Starting at $10

Check Copy

Foreign Transaction Fee (Debit Card)

Starting at 1%

Wire Transfer Fee - US Domestic (Outgoing)

Starting at $35

Wire Transfer Fee - International (Outgoing)

Starting at $45

Wire Transfer Fee - International (Incoming)

Starting at $0

Returned Deposit Fee (International)

Starting at $10

Wire Transfer Fee - US Domestic (Incoming)

Starting at $0

ATM Reimbursement Monthly Limit

Starting at $8

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 domestic ATM fees up to a monthly maximum of $8.
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 checks¹ 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 businessbanking@axosbank.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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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.

Message from AXOS checking account

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.

Golden Checking is an interest-bearing checking account designed for customers aged 55 and older. Enjoy no fees, high interest rates, and free personal checks.

Contact

Headquarters

4350 La Jolla Village Drive

Suite 140

San Diego, CA 92122

Visit Site

Email Support

Hours of Operation

Sunday

12:00AM - 12:00AM

Monday

12:00AM - 12:00AM

Tuesday

12:00AM - 12:00AM

Wednesday

12:00AM - 12:00AM

Thursday

12:00AM - 12:00AM

Friday

12:00AM - 12:00AM

Saturday

12:00AM - 12:00AM

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SuperMoney Net Recommendation Score

SuperMoney users strongly recommend this product, giving it a user recommendation score of +71, or 4.4 on a 5-point rating scale.

+71

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Axos Bank Golden Checking Community Reviews

Would you recommend Axos Bank Golden Checking to your friends?

Connor K.

Jan 25, 2023

May or may not recommend

I had been using Axos Bank Golden Checking Checking Accounts for several years before I moved states and switched to another bank. During my time with Axos Bank, I had a positive experience and found their services to be reliable and convenient. One specific experience I had with a member of their staff stands out in my mind. I had an accident where my card was almost compromised, but the staff ...Show More

Mazhar C.

Nov 25, 2022

May or may not recommend

Axos Bank provide us best banking features, they serve as a bank best service. No monthly maintenance fees. Easy to manage account. They provide up to $8 monthly reimbursement per month. I enjoy this bank best services.

Sania A.

Sep 17, 2022

May or may not recommend

Mayling M.

Sep 13, 2022

May or may not recommend

I have been searching for a bank that will serve as a bank not an extra bill for an elderly relative. They make it so easy to manage and with most of the fees being $0 including the minimum balance amount, it makes it easier for them to balance their check book and gain their financial independence back.

Desmond R.

Jul 6, 2022

May or may not recommend

With axos I feel like I am prioritized as a customer with all of the perks and delas they provide you with compared to other companies. Hey, provide $8-dollar monthly reimbursement and do not require a minimum balance unlike competitors which is very convenient, speaking of convenient you are also provided with 2 boxes of free checks upon registration. Overall, I'm very confident and comfortable in this companies' abilities to ...Show More

Anonymous

Aug 20, 2020

May or may not recommend

I like its features concerning ATMs. Unlike in many platforms I’ve seen, Axos reimburses me up to $8 monthly. I appreciate that there are no additional charges for taking out cash from a different ATM. Also, despite using various ATM networks, I still feel protected from any possibilities of fraud. Axos has a feature that would notify me if there have been any odd purchases or activities with my ...Show More

Anonymous

Apr 1, 2020

May or may not recommend

Axos' online banking internal dashboard is a joke. Not only is it two decades behind, but it was difficult to even find the most basic information on my account, and I would need to ask an online representative to even get that answer rather than having basic information on my account be accessible on the dashboard itself. Their mobile app is glitchy at best and needs to be constantly updated ...Show More

Showing 7 of 7 reviews