Is Axos One Savings and Checking Bundle the right fit for you?
Last Updated: 04/01/2026
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Highlights
Welcome Offer
N/A(Verified 04/01/2026)
Cashback Rewards
N/A
APY (Annual Percentage Yield)
Up to 4.21%(Verified 04/01/2026)
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Monthly Service Fee
$0(Verified 04/01/2026)
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Axos One Savings and Checking Bundle Review
The Axos One Savings and Checking Bundle is offered by Axos Bank, a bank founded in 2000 and based in San Diego, CA. Axos Bank is available in 50 states and Washington, DC.
Key Takeaways
- Up to 4.21% annual percentage yield (APY). This account offers an annual percentage yield of up to 4.21%, which is much higher than the average for the checking accounts that we track (see terms and conditions for more details).
- No monthly maintenance fees. This account does not charge any monthly account fees.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- No ATM fees. Axos One Savings and Checking Bundle 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 when you enroll in Axos Bank mobile or online banking.
- Early direct deposit. You could have access to you paycheck funds faster if you set up a direct deposit to this account.
Axos Bank Pros & Cons
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Axos Bank 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 Bank offer?
Axos Bank offers an APY up to 4.21% (APY stands for annual percentage yield, rates may change).
* The Annual Percentage Yield (APY) is accurate as of 04/01/2026 The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at Axos discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at Axos discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings. *Note - A customer with $1,000,000 would earn 4.21% APY on their first $250,000 and 3.50% APY on the rest of their balance. Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below. The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE Savings account will earn a base rate of 1.00% APY. Axos ONE accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period: Option 1 1. Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total. 2. The average daily balance of your Axos ONE Checking account is at least $1,500. Option 2 1. Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total. 2. The average daily balance of your Axos ONE Checking account is at least $5,000. If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period: The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met. The Axos ONE Savings account will earn a promotional rate of up to 4.21% APY for the statement cycle in which the requirements are met. The Qualification Period is from the 1 st of the month through the 25 th of the month. The Qualification Period for new accounts will begin on the day the account is approved. Any qualifying direct deposits received after the 25 th of the month will count toward the next Qualification Period. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit. Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds. Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.What are the account minimums for Axos Bank?
Axos Bank does not require a minimum initial deposit.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Combined Balance to Avoid Monthly Maintenance Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Axos Bank charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Axos Bank charge overdraft fees?
No, Axos Bank does not charge overdraft fees.What features and perks does Axos Bank offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for domestic ATM fees .
- Fraud monitoring - Axos Bank 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.
- Eligible for early pay - If you set up an eligible direct deposit with your employer, you may be able to collect your paycheck up to two days early.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for Axos Bank?
The customer support email for Axos Bank is businessbanking@axosbank.com.
Axos One Savings and Checking Bundle Disclosure: * The Annual Percentage Yield (APY) is accurate as of 04/01/2026 The base and
promotional interest rate and corresponding APY for Axos ONE Checking is variable
and is set at Axos discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at Axos discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.
*Note - A customer with $1,000,000 would earn 4.21% APY on their first $250,000 and 3.50% APY on the rest of their balance.
Promotional terms and conditions are subject to change or removal without notice.
Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax
advisor. After the accounts are opened, the amount of incentive earned will depend on
meeting the additional requirements outlined below.
The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE
Savings account will earn a base rate of 1.00% APY.
Axos ONE accounts are eligible to receive a promotional APY for each statement cycle
where the promotional criteria are met during the Qualification Period. To receive the
promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE
Checking account must meet both of the requirements in either Option 1 or Option 2
below during the Qualification Period:
Option 1
1. Your Axos ONE Checking account has received qualifying direct deposits of at
least $1,500 in total.
2. The average daily balance of your Axos ONE Checking account is at least
$1,500.
Option 2
1. Your Axos ONE Checking account has received qualifying deposits of at least
$5,000 in total.
2. The average daily balance of your Axos ONE Checking account is at least
$5,000.
If both of the requirements in either Option 1 or Option 2 above are met during the
Qualification Period:
The Axos ONE Checking account will earn a promotional rate of 0.51% APY for
the statement cycle in which the requirements are met.
The Axos ONE Savings account will earn a promotional rate of up to 4.21% APY
for the statement cycle in which the requirements are met.
The Qualification Period is from the 1 st of the month through the 25 th of the month. The
Qualification Period for new accounts will begin on the day the account is approved.
Any qualifying direct deposits received after the 25 th of the month will count toward the
next Qualification Period.
A direct deposit is an electronic deposit of your paycheck or government benefits, such
as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and
mobile check deposits, etc.) or person-to-person payments are not considered a direct
deposit.
Qualifying deposits only include deposits from the following eligible sources: (i) ACH
transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii)
check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e.,
transfers between an account holder’s Checking and/or Savings account), (ii) interest
payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.
Both accounts must be in an open and active status on the date the interest is paid to
receive the promotional APY for that statement cycle. Account transactions may take
one or more business days from the transaction date to post to the account.
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 Bank
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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Mortgage Refinance
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Other Checking Accounts from Axos Bank
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0%
Disclaimer popup with additional information
Monthly Service Fee
$0
Disclaimer popup with additional information
Bonus Offer
Starting at $0
Disclaimer popup with additional information
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.10%
Disclaimer popup with additional information
Monthly Service Fee
$0
Disclaimer popup with additional information
Rating not yet determined
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
Up to 2.00%
Disclaimer popup with additional information
Monthly Service Fee
$0
Disclaimer popup with additional information
SuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
+100
-1000+100
No one recommends
Everyone recommends
Axos One Savings and Checking Bundle Community Reviews
Would you recommend Axos One Savings and Checking Bundle to your friends?
OM
Omid M.
Mar 2, 2025
May or may not recommend
Axos One Checking has been a great all-in-one account for me. No monthly fees, ATM fee reimbursements, and the online banking is super easy to use. I love the cashback perks and the fact that I don’t have to worry about hidden charges.
If you want a modern, hassle-free checking account, this one is definitely worth considering!
Showing 1 of 1 reviews
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