Axos Bank Rewards Checking
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Would you recommend Axos Bank Rewards Checking to your friends?
| Community Rating | Strongly recommended |
| Cashback Rewards | N/A |
| APY (Annual Percentage Yield) |
0.30% - 3.30% (Verified 08/09/2023)
|
| Monthly Fee |
$0 (Verified 08/09/2023)
|
| Minimum Balance to Avoid Monthly Fee | Starting at $0 |
| Number of Reviews | 12 |
Axos Bank Rewards Checking Review
Axos Bank Rewards Checking is offered by Axos Bank, a bank founded in 2000 and based in San Diego, CA. Axos Rewards checking is available in 50 states (and Washington, DC).
Key Takeaways
- $300 welcome bonus. Use the promo code SUNNYBUNNY when you apply for a Rewards Checking account by 12/31/23. Then have qualifying direct deposit(s) to earn a $300 welcome bonus!
- Up to 3.30% annual percentage yield (APY). This account offers an annual percentage yield of up to 3.30%, which is much higher than the average for the checking accounts that we track.
- 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 any monthly account fees.
- No ATM fees. Axos Bank Rewards 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.
Axos Rewards checking Pros & Cons
| Pros | Cons |
|---|---|
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Axos Rewards 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 Rewards checking offer?
Axos Rewards checking offers an APY starting at 0.30% and ranging up to 3.30% (APY stands for annual percentage yield, rates may change).
| Rates | Amount |
|---|---|
| APY (Annual Percentage Yield) | 0.30% - 3.30% |
What are the account minimums for Axos Rewards checking?
Axos Rewards checking requires a minimum initial deposit of $50 to open an account.
| 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 Rewards checking charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |
|---|---|
| Monthly Fee | $0 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | Starting at $0 |
| 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 |
| Debit Card Replacement Fee | $5 |
| Early Account Closure | $0 |
Does Axos Rewards checking charge overdraft fees?
No, Axos Rewards checking does not charge overdraft fees.What features and perks does Axos Rewards checking offer?
This account includes the following features:
- $300 welcome bonus. Use the promo code SUNNYBUNNY when you apply for a Rewards Checking account by 12/31/23. Then have qualifying direct deposit(s) to earn a $300 welcome bonus!
- ATM rebates - This account will reimburse you for any domestic ATM fees.
- Fraud monitoring - Axos Rewards 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.
- Mobile Banking Services - Axos Rewards 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 Rewards checking?
The customer support email for Axos Rewards checking is contactaxos@axosfs.com.
How do people rate the customer service and user experience of Axos Rewards checking?
Overall, Axos Rewards checking is strongly recommended based on community reviews that rate customer service and user experience.
Axos Bank Rewards Checking Disclosure:
To earn up to a $300 bonus, you must be approved for your new Axos Bank Rewards Checking account, fund it within 30 days of account opening, and have qualifying direct deposits that total at least $7,000.00 each calendar month during the first seven (7) calendar months your account is open as well as maintain a minimum average daily balance of $15,000. The minimum balance must be achieved and maintained from September 2023 through March 2024. A cash bonus of up to $300 can be earned in the following manner during the first seven (7) statement cycles. A statement cycle is a calendar month consisting of the days your account was open during that month. A maximum of six (6) payouts of $50 for each calendar month that the Rewards Checking account is receiving the direct deposit and maintain a minimum average daily balance of $15,000 can be earned during the seven (7) statement cycles, and the bonus will be deposited into your Axos Bank Rewards Checking account within 10 business days following the end of the statement cycle in which the direct deposit requirement was met. Your Axos Bank Rewards Checking account must be open and in good standing at the time the bonus is paid to be eligible to receive the bonus, and your Axos Bank Rewards Checking account must remain open for 210 days, or an early closure fee of up to $300 may apply, equal to the amount of the total bonus earned up to $300.
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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 Rewards checking
Contact
- Headquarters
-
4350 La Jolla Village Drive
Suite 140
San Diego, CA 92122 USA - Visit Site
- Email Support
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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 |
Axos Bank Rewards Checking Community Reviews
Would you recommend Axos Bank Rewards Checking to your friends?
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