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Axos ONE Checking Review
Our take: No monthly or overdraft fees, 95,000+ fee free ATMs, early pay and 24/7 support. Interest depends on meeting monthly rules.
Pros
- No monthly, minimum or overdraft fees
- 95,000+ fee free ATMs
- Early pay and 24/7 phone support
Cons
- Interest only in months you meet the rules
- ATM fee reimbursement capped at $10 a cycle
- No confirmed way to deposit cash
Key facts
- Overdraft
- No overdraft fees
- Early direct deposit
- Up to 2 days early
- APY requirements
- $1,500 direct deposits and $1,500 average balance, or $5,000 deposits and $5,000 average balance
- Minimum to open
- $0
- Monthly fee
- No monthly fee
- ATM access
- 95,000+ fee free ATMs
- Current offer
- Opened together with Axos ONE Savings, new customers can earn 5.00% APY on the first $49,999.99 in savings for 6 statement cycles when this checking account meets the monthly rules.
- Insurance
- FDIC insured up to $250,000 per depositor, per ownership category. Up to $2.5 million in additional FDIC coverage through the Axos Insured Deposit Program
- FDIC certificate
- 35546 (Axos Bank, San Diego, CA)
- Who can open
- US residents 18 or older
- Mobile app
- Axos app: 4.7 on the App Store, 4.6 on Google Play (Sep 28, 2026)
- Customer service
- (888) 502-2967, 24/7 except Thanksgiving and Christmas
Source: Axos Bank website, checked Oct 26, 2026. Insurance details from the FDIC BankFind database.
Our verdict
Axos ONE Checking is a fee free account with the largest ATM network we track, more than 95,000 fee free ATMs, plus early pay and 24/7 phone support. In months you meet its deposit and balance rules, checking earns 0.51% APY and the paired savings account earns its top rate too.
What it takes to earn interest
Each month you need either $1,500 in direct deposits and a $1,500 average daily balance in checking, or $5,000 in deposits and a $5,000 average daily balance. Otherwise checking earns 0.00% APY. Read our Axos ONE Savings review for the savings side.
How we rated it
It earns top marks for fees, app, support and safety, and loses a little on ATM reimbursement limits and cash deposits. It scores 4.6 out of 5 on our scorecard for this category. See how we score on the comparison page and our methodology.
How Axos Bank compares
| Account | Rating | Monthly fee | Fee free ATMs |
|---|---|---|---|
| Axos ONE Checking | 4.6 | $0 | 95,000+ |
| SoFi Checking | 4.6 | $0 | 55,000+ |
| Capital One 360 Checking | 4.5 | $0 | 70,000+ |
| Chime Checking Account | 4.3 | $0 | 47,000+ |
| U.S. Bank Smartly Checking | 3.3 | $12 | 4,000+ |
Axos Bank checking FAQ
Does Axos ONE Checking have fees?
Axos lists no monthly maintenance, minimum balance or overdraft fees.
How does Axos ONE Checking earn interest?
It earns 0.51% APY in months you meet the direct deposit or deposit rules plus the matching average balance; otherwise 0.00%.
How many ATMs can I use with Axos ONE?
More than 95,000 fee free ATMs.
Ready to open Axos ONE Checking?
Rates as of Oct 26, 2026. Confirm the current rate and terms on the provider’s site before you apply.