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Axos Bank, formerly Bank of Internet USA, was born on July 4, 2000. The bank’s founders purposely set the launch date for the Fourth of July because they wanted to demonstrate their independence from traditional banking. Almost 20 years on, and Axos is still a leader in online banking.
Here are some of the advantages Axos offers over regular banks:
Throughout almost 20 years in online banking, Axos Bank has had plenty of time to develop and refine its services in accordance with what its customers want.
Axos Bank highlights include:
Axos Bank has made a name for itself as one of the longest-running digital banks, but it by no means neglects traditional banking services. Axos Bank users get access to a range of bank accounts and financial services.
Here’s a breakdown:
One of the best things about Axos Bank is the fees – or lack thereof. Axos Bank doesn’t charge any maintenance fees. What’s more, most accounts come with the lure of no overdraft fees as well as ATM reimbursements ranging from unlimited for standard checking accounts to $8-12 worth of monthly reimbursements for age-restricted accounts.
|Varies by tier
|Golden Checking (Age 55+)
|First Checking (Age 13-17)
|High-Yield Money Market
|CDs (3 to 60 months)
|0.55% to 2.25%
With Axos Bank, you don’t only get 24/7 online access. You also get 24/7 customer service via two methods: secure messaging (online or mobile) or phone. In addition, the Axos Bank website has an extensive support section with answers to lots of frequently asked questions.
All Axos Bank customers get access to the free Axos mobile banking app, available for download on iOS and Android devices. Although not as comprehensive as Axos Bank’s online platform, the app does have some pretty useful features.
With the Axos mobile banking app, you can:
One of the things we like about Axos Bank is that it’s transparent about security measures. According to Axos, its accounts come with the following layers of protection:
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Axos Bank does the basics very well, in fact better than most banks. While it lacks some of the rewards and add-ons found at other online banks, Axos is up there with the best banks when it comes to APYs and fees. If being able to open parallel checking and savings accounts with decent interest, no fees, and the convenience of 24/7 access from your computer or mobile device is your priority – then Axos Bank checks all the right boxes.