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  Axos Bank Golden Checking
Axos Bank Golden Checking
in Checking Accounts from Axos Bank · Member FDIC
Claimed

Axos Bank Golden Checking

Claimed
in Checking Accounts from Axos Bank · Member FDIC
SuperMoney Net Recommendation Score +71  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +71, equating to 4.4 on a 5 point rating scale.

+71

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

6 users recommend
0 users are unsure
1 user doesn't recommend
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Highlights
Community Rating Strongly recommended
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.10%
(Verified 04/19/2023)
Monthly Fee $0
(Verified 04/19/2023)
Minimum Balance to Avoid Monthly Fee Starting at $0
Number of Reviews 7

Axos Bank Golden Checking Review

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

Key Takeaways

  • Low APY. The maximum annual percentage yield for this account is only 0.10%.
  • $0 monthly fee. 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 through Axos Bank.

AXOS checking account Pros & Cons

Pros Cons
  • 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.
  • 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 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 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 to open an account.

Axos Bank Golden Checking Minimums
Description
Minimum Opening Deposit Starting at $50
Minimum Balance to Avoid Monthly Fee Starting at $0
Minimum Combined Balance to Avoid Monthly Fee $0
Minimum Direct Deposit to Avoid Monthly Fee Starting at $0
Minimum Balance to Earn APY $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 Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $0
ATM Reimbursement Monthly Limit $8
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $0
Overdraft Item Fee $0
Overdraft Protection Fee (per transfer) $0
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
Paper Statement Fee $5
Online Bill Pay Fee $0
Check Copy $5
Debit Card Replacement Fee $5
Early Account Closure $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 $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 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.

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.

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

Hours of Operation

  • Sunday 12:00pm - 12:00pm
  • Monday 12:00pm - 12:00pm
  • Tuesday 12:00pm - 12:00pm
  • Wednesday 12:00pm - 12:00pm
  • Thursday 12:00pm - 12:00pm
  • Friday 12:00pm - 12:00pm
  • Saturday 12:00pm - 12:00pm

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Opening Deposit Starting at $50
Minimum Balance to Avoid Monthly Fee Starting at $0
Minimum Combined Balance to Avoid Monthly Fee $0
Minimum Direct Deposit to Avoid Monthly Fee Starting at $0
Minimum Balance to Earn APY $0
Monthly Fee $0
(Verified 04/19/2023)
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $0
ATM Reimbursement Monthly Limit $8
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $0
Overdraft Item Fee $0
Overdraft Protection Fee (per transfer) $0
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
Paper Statement Fee $5
Online Bill Pay Fee $0
Check Copy $5
Debit Card Replacement Fee $5
Early Account Closure $0
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • 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
  • Member FDIC
  • Check Writing
Signup Bonus Starting at $0
APY (Annual Percentage Yield) 0.10%
(Verified 04/19/2023)

Axos Bank Golden Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +71, equating to 4.4 on a 5 point rating scale.

+71

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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