Core Insights - Axos Bank, founded in 2000, is a digital bank based in San Diego, offering a range of banking, lending, and investment products tailored for online customers. It is recognized as one of the top 10 online banks for 2026 [1] Product Overview - Axos One combines checking and high-yield savings with no monthly fees, minimum balance requirements, or overdraft fees, offering 0.51% APY for checking and up to 4.21% APY for savings, along with expanded FDIC insurance up to $2.5 million [2] - The Rewards Checking account can earn up to 3.3% APY with no monthly fees, contingent on meeting specific requirements such as direct deposits and maintaining a balance in an Axos Invest account [4] - Essential Checking is a free standard account with no monthly fees or minimum balance, offering perks like early direct deposit and unlimited ATM fee reimbursements [5] - First Checking is designed for teens aged 13-17, earning 0.1% APY with no monthly fees and transaction limits [6] - Cash-back Checking rewards customers with 1.00% back on qualifying purchases, with no monthly fees and unlimited ATM fee reimbursements [7] - Golden Checking, for customers aged 55 and over, earns 0.1% APY and offers up to $8 in ATM fee reimbursements monthly [8] - Summit Savings provides a competitive 3.75% APY on all balances with no fees or minimum requirements [10] - First Savings for teens earns 0.1% APY with no monthly fees and ATM fee reimbursements [11] Lending and Investment Products - Axos offers personal loans up to $50,000, auto loans with no payment for up to 90 days, and a variety of mortgage options with no lender fees [19] - Investment products include managed portfolios and self-directed trading accounts, accessible via a mobile app [13] - Retirement accounts such as traditional, Roth, and Rollover IRAs are available for tax-advantaged savings [14] - Business banking products include checking and savings accounts tailored for small businesses [15] Fees and Customer Service - Axos Bank generally charges few fees, with specific charges for services like wire transfers and early withdrawal fees for CDs [16] - Customer support is available 24/7 for personal banking, with specific hours for loan servicing and small business banking [21][22] - The mobile app has high ratings and allows customers to manage transactions, loans, and investments conveniently [23] Additional Information - Axos Bank is FDIC-insured, ensuring deposits are protected up to $250,000 [24] - The bank does not have physical branches and does not currently offer Zelle, but provides peer-to-peer payment options through its own feature [27]