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Axos Bank Reviews

Axos Bank Reviews

842 Reviews
842 Reviews 93%
Customer Service
842 Reviews 92%
Safe and Secure
842 Reviews 96%
Mobile Banking
842 Reviews 96%

User Reviews:


Average Rating:

9.5 / 10

Summary of Axos Bank Reviews: Axos bank reviews say Axos is a reliable, convenient bank for everyone, but is it right for you? Although the bank is strictly remote and serves its customers through online management or via phone, it is the most reasonable bank out there with no monthly banking fees or balance minimums. Read our Axos reviews and find out what makes Axos the best online bank. Sign up today and watch your money grow with Axos bank.

Vanessa K.
Vanessa K.
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Axos bank is the way to go, by far the best customer service I've had in a long time. I love how the checking accounts have no maintenance fees, and to get approved for a loan was quick and straightforward, with no underlying hidden messages. I even opened up an account for my daughter to start saving.

What Does Axos Bank Offer?

  • Personal checking account – 1.30% APY* with no monthly maintenance fees and no minimum balance requirements while interest compounded daily, high-yield savings, unfolded.
  • Free Mobile Deposit – Axos allows you to deposit any checks anytime.
  • Online Bill Pay – No more missed payments, combine all your bills into one dashboard.
  • Mobile Banking – Download the Axos mobile app to maintain your accounts from your smartphone anytime, anywhere.
  • No-Hassle Switch Kit – Axos offers a step-by-step checklist that makes it simple and stress-free to change from your current bank to theirs.
  • Direct Deposit Express – Receive funds up to two days in advance.

Is My Money Safe with Axos?

Yes, Axos Bank is an FDIC member, which protects deposit accounts up to $250,000 for all customers. Additionally, they employ bank-grade encryption, 2-step authentication, anti-virus, and malware security, automated logout, and regular account monitoring. Our customers say in their Axos bank reviews they feel 100% safe and secure with using Axos bank with the high security procedures implemented. 

Security with Axos Bank

2-Step Authentication- For verification purposes, Axos ask security questions that only you can answer, or they’ll send a security code to your registered device.

Anti-Virus and Malware Protection- Axos bank conducts frequent updates to detect and prevent viruses and malicious software issues.

Account Monitoring- All accounts are monitored regularly for possible fraud.

SSL Encryption- Axos bank consists of a 128-bit Secure Socket Layer encryption that guarantees your data remains private and secure.

Automatic Logout- Idle sessions are automatically logged out to prevent unauthorized data collection or use of your accounts further.

 Usernames and Passwords- Safe and secure Axos does not share your usernames or passwords with anyone. 

Axos High Yield Savings Account

High Yield Savings Accounts with Axos is currently paying a rate of 1.30% APY and has no minimum balance requirements to open an account. While the fees are not as high as other online banks, Axos Bank is a full-service bank, offering all banking services online only. Although, it’s also higher than what’s being presented by the broad majority of local banks.

Axos banking is 100% digital, creating low overhead costs; therefore, better yields for clients. Everything from Saving accounts and Money Market to CDs and CDARS, Axos banking offers competitive rates nationally. Our Axos bank reviews that this is one of their favorite perks banking with Axos.

Auto Loans

Auto loans are accessible to purchase or refinance, ranging from $10,000 to $90,000. Terms available up to 84 months with no prepayment penalties. Auto loan decisions are determined within 24 hours. Axos is currently promoting their auto loan rates as low as 4.45% APR.

Jacob C.
Jacob C.
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I felt like I had no one to turn to when I had to refinance my home. Thankfully, a friend of mine referred me to Axos, so I checked them out and got approved and received my loan in no time, excellent customer service reasonable terms and conditions it's everything I needed and more!

Small Business Banking

From checking accounts that fit your business needs to merchant services, Axos has digital banking solutions and tools for your new or expanding business. Which help significantly say our Axos bank reviews.

Basic Business Checking
Designed specifically for small businesses with moderate account activity. No monthly maintenance fees and an inexpensive minimum deposit obligation to open an account.

Business Interest Checking (0.80% APY*)
This option Axos provides is ideal for developing businesses with cash reserves. No monthly maintenance fees when you maintain an average minimum daily balance of $5,000.

Business Premium Savings (1.06% APY*)
Maximize business earnings with more interest earnings. No monthly maintenance fees, competitive interest yields, and no balance requirement. However, a minimum deposit requirement of $25,000 due at opening.

Business Savings (0.80% APY*)
A useful plan for making interest on your balance. No monthly maintenance fees as long as a $2,500 minimum daily balance is in the account. Low minimum opening deposit of $1,000.

Business Money Market (0.80% APY*)
Experience competitive interest earnings with check-writing privileges. No monthly maintenance fees required with a minimum average daily balance of $5,000. Low minimum opening deposit of $1,000.

Commercial Lending

Comprehensive commercial solutions for corporations, institutions, governments, and real estate investors. Flexible and cost-effective plans. Customized strategies to accommodate complex financial structures. The Axos bank reviews rave about how much this service has impacted their businesses.

Commercial Lines of Credit

Axos commercial lending group provides revolving lines of credit to assist short-term financing needs to businesses. With these flexible loan solutions, you are able to achieve a more significant cash flow, enhance working capital, and boost business growth.

Commercial Term Loans

Axos is here to help you develop you’re mid to large-sized business or to purchase non-real-estate business assets with term loan financing beginning at $250,000.

Small Balance Commercial Real Estate Lending

Axos Bank values efficiency, value, and customer service. They possess unique and valuable online lending tools, and, with the help of their expert staff, can match their Small Balance Commercial products to your consumers.

Holly J.
Holly J.
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I am a business owner and thought I had my finances under control. Still, once I started working with Axos, my mind was blown by everything. The tools they had for me to use, the help they provided me and the reassurance that everything was going to be so much better, I was able to build up my capital for my company, it has been terrific working with them. I don't know where I'd be if it weren't for Axos!


Axos Bank provides accounts receivable financing services available to give small and midsize businesses the steady cash income they need to continue to move forward. Through their factoring services, they can turn your invoice into instant cash.

Equipment Finance

Axos provides its clients with access to ample capital joined with the security of working with a nationwide trusted bank. Let their equipment financing professionals help you achieve the right lending solution to access the equipment needed to reach your business goals.

Commercial Real Estate Specialty Bridge and Construction Lending

Axos Bank’s Commercial Real Estate Specialty Lending department specializes in implementing bridge loans to owners, investors, and developers in need of funding. The streamlined process and extensive knowledge help to guarantee fast and smooth closings.

Residential Warehouse Lending

Axos Bank develops a partnership that grows with your business. They are dedicated to assisting you in attaining a competitive advantage in today’s mortgage market. They offer diverse loan programs that provide you with the flexibility to meet evolving consumer needs while maximizing origination opportunities.

Lender Finance

Axos Commercial Lender Finance division presents creative, transparent, and effective financing solutions for speedy and reliable closings. Their in-house industry knowledge and extensive experience make Axos masters when it comes to structuring financing plans for your specific needs and complex loan situations.

Ryan D.
Ryan D.
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Great bank with low fees I've been with them for a little over 2 years now, no complaints, very satisfied with the service provided.

Commercial Banking

Industry Expertise

Axos has designed custom tools and services for your unique industry needs. Take use of competitive rates, customized software integrations, and simple account opening processes.

Treasury Management

Help minimize costs while optimizing your receivables and payment processing, lessening risk through fraud prevention, and maximizing your profits on investment balances.

Analyzed Business Checking

Axos is designed for companies that obtain significant transaction volume and advanced treasury management needs. Their aggressive Earnings Credit can further offset your monthly charges.

Certificate of Deposit Account Registry Service

Protect your investments while gaining CD-level results that may compare positively to Treasury and money market fund yields.

High-Yield Reserve Accounts

Axos banking is 100% digital, creating low overhead costs; therefore, better yields for clients. Everything from Saving accounts and Money Market to CDs and CDARS, Axos banking offers competitive rates nationally.

Partner with Axos

Kelly L.
Kelly L.
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Opening an online high-yield bank account was the best thing I have ever done. Just deposit the money and watch it grow so amazing. I love that Axos offers this. I highly recommend them to anyone looking to save and increase your cash.

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