AXOS ONE®
Your money, multiplied.
Meet Axos ONE® — the checking and savings bundle designed to accelerate your wealth. Earn high-yield interest, get paid up to 2 days early.¹
Earn it. Multiply it. Enjoy it.
A smarter way to bank that puts your growth first.
High-yield savings.
Why let cash sit idle? Earn up to 4.21% APY* on savings and 0.51% APY* on checking when you meet requirements.
Get paid sooner.
Waiting is overrated. Get your paycheck up to 2 days early¹ — so your money starts working for you faster.
Zero monthly fees.
No monthly maintenance fees, no minimum balance requirements, and no overdraft fees.
Protect your future.
We’ve got you covered. Access up to $2.5 million of additional FDIC Insurance. Zero paperwork. Zero fees. Zero hassle.
See your savings grow in real time.
Grow your cash fast with a savings rate that’s up to 9x the national average.†
APY & Annual Earnings are estimated, actual monthly APY earned may vary and can be found on monthly statements.
Balance Balance | Annual Percentage Yield* APY* | Annual Earnings Earnings |
|---|---|---|
| $10,000 | 4.21% | $421 |
4.21% APY*
Balances $0 to $499,999.99
4.01% APY*
Balances $500,000 and up
Rates apply to a tiered account structure. No minimum balance to earn interest. Full tier details available below.
Banking that goes where you go.
Digital-first doesn't mean limited access. Withdraw, deposit, and manage your money anywhere—no branch required.
95,000+ fee-free ATMs.
Access your cash nationwide with one of the largest ATM networks in the country. Find the closest one in your app.
Call us, 24/7.
Digital-first doesn't mean you're on your own. Connect with our support team anytime, day or night, for real help from real humans.
Earn $50 when you refer a friend.
Invite friends to bank with Axos. When they open an eligible account and meet requirements, you can earn $50.
ONE account. More FDIC protection.
Scale your coverage with up to $2.5 million of additional FDIC Insurance through the Axos Insured Deposit Program — right from your Axos ONE® Savings account. No fees. No complications. Just peace of mind.
Unlocking high rates is easier than you think.
Choose the path that fits your life to unlock up to 4.21% APY* on savings.
Option 1
Receive at least $1,500 in total monthly qualifying direct deposits and maintain an average daily balance of at least $1,500.
Option 2
Receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of at least $5,000.
Qualifying transactions must post and clear the account by the 25th of the month.
Get Started
Axos ONE® Rates
Tiers
Savings Balance Tier | Boosted Rate/APY* | Standard Rate/APY* |
|---|---|---|
$0 - $49,999.99 | 4.12% / 4.21% | 1.00% / 1.00% |
$50,000 - $99,999.99 | 4.12% / 4.21% | 1.00% / 1.00% |
$100,000 - $149,999.99 | 4.12% / 4.21% | 1.00% / 1.00% |
$150,000 - $199,999.99 | 4.12% / 4.21% | 1.00% / 1.00% |
$200,000 - $249,999.99 | 4.12% / 4.21% | 1.00% / 1.00% |
$250,000 - $499,999.99 | 4.12% / 4.21% | 1.00% / 1.00% |
$500,000 - $749,999.99 | 3.93% / 4.01% | 1.00% / 1.00% |
$750,000 - $999,999.99 | 3.93% / 4.01% | 1.00% / 1.00% |
$1,000,000 - $1,999,999.99 | 3.93% / 4.01% | 1.00% / 1.00% |
$2,000,000 - $2,999,999.99 | 3.93% / 4.01% | 1.00% / 1.00% |
>$3,000,000 | 3.93% / 4.01% | 1.00% / 1.00% |
All in one App
Drive your savings growth with the Axos app.
The power of the Axos app provides savings account holders with easy access to smart and efficient money management tools designed to enhance your financial growth and security.
Unlock the advantages of banking with Axos.
Security you can count on.
Sleep soundly with enterprise-grade protection, biometric login, and real-time fraud monitoring.
Trusted by
500k+.
Join over half a million customers who have chosen a smarter way to bank for over 25 years.
$25 Billion
in Assets.
Publicly traded since 2005 (NYSE: AX) with the proven stability and deep resources to keep your money safe.
Axos ONE® Frequently Asked Questions
What is the difference between a checking and savings account?
A checking account is used for everyday spending and transactions, while a savings account is designed for storing money and earning interest. Savings are also used for emergency funds and unexpected expenses.
Checking provides easy access to money through debit cards and ATM withdrawals and often earns minimal to no interest. More options for high-yield accounts are available with savings, allowing you to earn more interest.
Why is it important to have a checking and savings account?
Having a checking account and a savings account is crucial for managing your money effectively and building financial stability. It’s important to keep funds in separate checking and savings accounts because the money in each account will be used for different purposes.
Checking is primarily for everyday expenses, while savings are primarily for long-term goals and emergency funds.
Will I receive a debit card when I open an Axos ONE® account?
Yes. To get a debit card with your Axos ONE® checking account, just select the debit card option when applying for the account. Already applied? Great. Just log in online or in the mobile app and send us a secure message asking for a debit card. We’ll get right on it.
How do I access my Axos ONE® account online?
Log in online at axosbank.com or through the Axos All-In-One Mobile App. Enter your login credentials to access your account anytime, anywhere.
How do I set up direct deposit?
It's easy to set up direct deposit. Log in online, navigate to Profile and Settings, then select Direct Deposit.