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Essential Checking

Fee-free checking with all the perks.

All your banking essentials – for free. Say goodbye to bank fees for good.

Open My Account

Top 20 Checking Accounts 2023

GOBankingRates

Among the Best Online Banks 2023

Forbes Advisor

Best for Online Account Options

Business Insider

Essential Checking is anything but basic.

  • Direct Deposit Express
  • Unlimited ATM fee reimbursements
  • No overdraft, non-sufficient funds, or monthly maintenance fees
  • Exclusive Visa® offers and perks

Ready to open a no-fee Essential Checking account?

Open My Account

Direct Deposit Express

  • Get paid up to two days early*
  • Simple, fast, and free
  • Included for Essential Checking customers with direct deposit

Opening an Account Is as Easy as 1-2-3

  • Step 1: Select Open an Account.
  • Step 2: Have your ID, Social Security number, and address handy.
  • Step 3: Complete your application in less than 15 minutes.

Manage Essential Checking With the Axos App

  • View your transactions and spending history.
  • Get answers 24/7 with Evo, our virtual assistant.
  • Set up auto alerts for any strange activity you don’t recognize.
  • Move money to other accounts or send money to friends.
  • Enable security measures to keep your money safe.

Ready to Apply?

Ready to open your free Essential Checking account? All you need is a valid ID, your Social Security number, and 15 minutes.

Open My Account