Last Updated:
Axos Bank Review 2026
Quick Summary
Rating
4.4/5 ⭐
Savings APY
4.61%
Checking APY
Up to 3.30%
Monthly Fee
$0
Best for: Rate chasers willing to meet requirements
What is Axos Bank?
Axos Bank is a full-service online bank offering competitive rates and modern banking features.
✓ Pros
- Very high APY on both accounts
- Interest on checking (with requirements)
- No monthly fees
- Multiple account types
- Early direct deposit
✗ Cons
- Requirements for max checking APY
- Less intuitive mobile app
- Smaller brand recognition
Account Details
| Savings APY | 4.61% |
| Checking APY | Up to 3.30% |
| Min Deposit | $0 |
| Monthly Fee | $0 |
| ATM Access | None (91,000+ free ATMs) |
| Mobile App | Good |
| FDIC Insured | Yes |
Who Should Choose Axos Bank?
Best for: Rate chasers willing to meet requirements