Axos ONE Checking & Savings Review: Earn Up to 4.21% APY (Nationwide)

With the Axos ONE savings and checking bundle,  you’ll get up to 4.21% APY on savings and 0.51% APY on checking to elevate your earnings. No monthly maintenance fees to worry about!

Update 5/4/26: The rate has decreased to 4.21% APY from 4.31%. This account offers a competitive rate on your funds when you bundle!

Axos ONE Checking & Savings Features

• Earn up to 4.21% APY on savings, and 0.51% APY on checking when you meet requirements.
• It’s easy to earn the boosted rates for ONE Savings (4.21% APY) and ONE Checking (0.51% APY). Just receive qualifying monthly direct deposits of at least $1,500 in total and maintain an average daily balance of $1,500 in your Axos ONE® Checking account.
• Get your money up to 2 days early. You’ve earned it, so start earning on it.
• No monthly maintenance, minimum balance, account opening, or overdraft fees.
• We’ve got you covered. Access expanded FDIC Insurance for up to $265 million.
• Access a network of over 95,000 fee-free ATMs.
• Manage all your bank accounts from one place in the Axos app.
• Link external accounts in the app to move your money seamlessly.

(FDIC Insured)

Conclusion

Rest assured that your money is safe with FDIC Insurance. Learn more.

For more options, see our list of the latest bank bonuses and best bank rates. You can also see our list of the latest Axos promotions.