Axos Essential Checking

For Those Who Want a Simple, No-Fee Checking Account

Bank Account

Available in

All 50 States

What you will need to apply:

  • Driver's License
  • email address and phone #
  • Social Security number
  • physical address in the US
  • Smartphone (to take photos of your picture ID)
See the Summary of Fees
Sign up in AppStore, Google Play, or desktop
Google Play

If you prefer to apply later from your phone...

You will receive the requested link on your phone shortly.
Oops! Something went wrong while sending the link.
  • Direct Deposit
  • Bank-to-bank transfer
  • Remote deposit with your smartphone
  • MoneyPak & Reload @ the Register (cash)

Choices for Obtaining Cash

  • Unlimited domestic ATM fee reimbursements
  • $0 PIN withdrawal at the point of sale

Other Ways of Using Funds

  • $0 per purchase
  • $0 online billpay
  • $0 Venmo and Zelle
  • $0 Google Pay, Android Pay, and Apple Pay

Other Services

  • $0 Early direct deposit of pay*
  • Exclusive VISA offers & perks

Monthly Fee


Per Purchase


ATM Withdrawal


Cash Reload

$0 from Axos. MoneyPak will charge a fee

ATM Balance Inquiry Fee


Customer Service Fee

$0 call (888) 502-2967

Inactivity Fee


Additional Fees*

Here are some of the other fees:
  • $0 Debit card replacement
  • 1% foreign conversion fee

Bank products and services are offered by Axos Bank®. All deposit accounts through Axos Bank brands are FDIC insured through Axos Bank. All deposit accounts of the same ownership and/or vesting held at Axos Bank are combined and insured under the same FDIC Certificate 35546. All deposit accounts through Axos Bank brands are not separately insured by the FDIC from other deposit accounts held with the same ownership and/or vesting at Axos Bank. For more information read our FDIC Notice.

*Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s funding.

Back Arrow icon
Back to Choice of Cards