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Advantage Checking

Looking for a convenient account with top-of-the-market interest earnings? Look no further. Advantage Checking offers up to 0.90% APY*, so you can get more bang from your bucks.

Account Benefits

  • Earn up to 0.90% APY*
  • Minimum $50 required to open an account
  • No overdraft or non-sufficient funds fees
  • No monthly maintenance fees
  • No minimum balance requirements
  • Access to over 80,000 ATMs nationwide

Advantage Checking

Advantage Checking
Tier APY* Rate
Direct deposits totaling $1,000 or higher each month (excluding intra-bank transfers) 0.45% 0.45%
Ten or more $3+ point-of-sale transactions per month with your Advantage Checking Visa® debit card 0.45% 0.45%
Total 0.90% 0.90%

Features Comparison

Advantage Checking Average Checking Accounts
Up to 0.90% APY* 0.03% APY1
Zero Monthly Maintenance Fees $165.59/Year2
Zero Overdraft Fees $32.30/Fee2
$50 Opening Deposit Requirement
Zero Minimum Balance Requirement
Minimum Balance Requirement
Free Incoming Wires $13.88/Incoming Wire3
Free Visa Debit Card No
Average Checking Accounts
0.03% APY1
Opening Deposit Varies
Minimum Balance Requirement
$13.88/Incoming Wire3
No Visa Debit Card

We're a Bank You Can Count On

For 20 years, Axos has been the leader in digital banking. And as an FDIC-insured, publicly traded company with offices and employees across the US, we have the foundation to support you and stay ahead of your evolving financial needs.

Advanced Security

Keeping your money and information secure is our top priority. We use a number of advanced security features to protect and monitor your accounts.

Convenient Support

Even though we are a digital bank, you can still find help when you need it. You can speak with a U.S. based representative 24/7 or chat with our virtual financial assistant Evo.

Diverse Products

Get more than just a great checking account. Axos offers a full suite of financial products including mortgages, investing, savings, loans, and small business banking.

Upgrade to Advantage Checking

Open an account online within minutes.