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Making Deposits

Mobile deposit is the easiest way to deposit checks into your account. Open the online banking app and with a few taps on your smartphone, you can make a deposit when it's convenient for you.

Simple, Secure and Convenient

  • Convenient: Deposit your checks on your schedule, wherever you are
  • Secure: We use SSL encryption to secure your information
  • Simple: Log in and follow the simple instructions, using your mobile device take a picture of your check
  • Fast: No need to visit the branch or mail in checks

Get the Nationwide by Axos Mobile App on your phone

Enter your phone number and we'll send you a download link.

By providing your phone number and selecting Send Link, you have agreed to these Terms and Conditions, and you have agreed to receive automated text messages, calls, and emails for any purpose including but not limited to marketing of products and services by Axos Bank. You understand and agree that such messages may be sent via Automatic Telephone Dialing System and/or artificial or pre-recorded voice, and that such consent is not a condition of receipt of any good or service. Mobile carrier messages and data rates may apply. You may opt out at any time.

Accepting Deposits

Making deposits is simple. Using your computer or mobile device, you can take a photo and upload your check directly to your account from your online banking dashboard. It’s fast, secure, and completely free.

Cash Deposits

For security reasons, we strongly recommend that you do not send cash deposits via mail. Instead, visit any local ACE Cash Express, CVS/Pharmacy, Dollar General, Kmart, Rite Aid, 7-Eleven, or Walgreens store, with your Axos Bank for Nationwide debit card and ask to load cash into your account at the register.

Mobile Deposits

Mobile Deposit from Axos Bank allows you to deposit checks into your checking or savings account using your smartphone or other mobile device, wherever you are and whenever you want.

Make a Deposit

With Make a Deposit, you can make secure deposits anytime or anywhere. Whether you’re at home, at the office, or travelling across country – you can set up your deposits anywhere.

Endorsements

If items are made payable to you or your order and you have not endorsed them, you authorize Axos Bank to supply any missing endorsements. You agree that all endorsements on items deposited to your account are genuine. Endorsements must be placed only in the area so designated on the back of an item.

ACH New Account Funding

ACH Funding will be posted upon final credit from the external bank. Generally, this means 2–3 business days after the new account is opened.

ACH Payments, ACH Credits, or Direct Deposit to Money Market Savings and Advantage Savings Accounts

When you set up an ACH Payment, ACH Credit, or Direct Deposit to your Money Market account or Regular Savings account with another bank, please designate “Checking” as the account type so we can process your request electronically.

Our Receipt of Deposits

In receiving deposits, Axos Bank acts only as your collecting agent and assumes no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit, or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit.