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Axos

Monthly fee, APY, bonus, and minimum deposit are copied from the provider's page, with the date we checked.

Best for Free checking that pays interest

Axos

Axos Bank

Bank

Monthly fee
$0No monthly maintenance fee, no overdraft fee, and no minimum balance.as of Oct 30, 2026 source
APY
1.00%On the checking balance with at least $1 in qualifying direct deposit.as of Oct 30, 2026 source
Sign-up bonus
Noneas of Oct 30, 2026 source
Min. deposit
$0as of Oct 30, 2026 source
  • No monthly fee
  • 1.00% APY with direct deposit
  • Early direct deposit
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What we have verified

Bank or fintech
Bank
Deposit insurance
Up to $250,000, or $500,000 on a joint account, per the Axos Checking page.