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What you should know about Axos bank

What you should know about Axos bank

Axos bank – A bank should have the ability to address your financial requirements, be it savings, safe custody, facility, mortgage, education to mention just a few.

It has gone past deposit and withdrawal, you deserve more, as banking evolves more opportunities emerge in the most seamless way you’d ever think of.

In this light, I find it pertinent to bring into your notice “Axos bank.”

About Axos bank

Axos bank leads in technology driven finance, by this standard, it’s a full service online bank for you.

It ensures you have access to your funds unconditionally.

It was founded in 2000 with the name “Bank of Internet USA.” It however changes to Axos in 2018 with various products that suit, meet and surpass customer experience.

Axos bank products

  • Checking account
  • Savings account
  • Certificate of deposit
  • Small business banking
  • Investing and
  • Mortgage

Checking account

The Axos checking accounts come in different tastes and offers as suitable to customers with every income class.

1. Essential checking account: This account comes with enticing benefits to you which may be difficult to ignore for an online bank.

With this account, you can send money to friends with just their mobile number or email.

Interestingly, you can activate, deactivate or reactivate your debit card in few steps on your banking dashboard, isn’t that awesome?

All card payment services are delivered online and timeless.

Your bill payment is automated directly from your account so you don’t miss your bill payment anymore.

Features

  • Unlimited domestic ATM fee reimbursement
  • No overdraft or non-sufficient funds fees
  • No monthly maintenance fee charged
  • It does not come with a monthly balance requirement, which means your account can be withdrawn to $0.
  • Direct deposit express
  • It has exclusive Visa offers and perks.

APPLY HERE

2. Rewards checking account: What can be more appealing than spending your money then receive a reward for taking care of your basic and immediate needs? It can only be banking redefined with class, with reward checking you earn up to 1.25% APY.

Features

  • You stand to earn upward of 1.25% Annual Percentage Yield.
  • Availability of unlimited domestic ATM fee reimbursement
  • Overdraft does not apply for a non-sufficient fund fees
  • No maintenance fees charged
  • It goes without a minimum balance requirement
  • However, you will make provision for a minimum of $50 to open the account

APPLY HERE

3. CashBack Checking: Still on being delighted for using certain products, in this case you’ll be rewarded for simply shopping. On all transactions that require signature, you’ll earn up to 1% cashback, it simply returns a fraction being spent.

Features

  • For signature based purchases, up to 1% cashback awaits you
  • Unlimited domestic ATM fee reimbursement applies
  • No monthly maintenance fees
  • You draw and write unlimited check without consequences whatsoever.

APPLY HERE

4. Golden checking: This is an interest bearing checking account suitable/designed for customers 55 and beyond/ senior citizens.

Features

  • 0.20% APY on all balances
  • Up to 8% domestic ATM fee reimbursement s per month
  • Free personal checks
  • No minimum monthly balance required
  • Overdraft cannot be drawn on non-sufficient checks
  • There isn’t a minimum monthly balance required
  • You will need a minimum balance of $50 to open the account.

5. First checking: Teaching your children financial management early enough does not come with side effect, it’s about the best gift you can offer a child.

First checking is a joint checking account for children between 13-17 years old, this undoubtedly moves a child’s compass in the right direction.

Features

  • Earn 0.25% APY
  • For children between 13-17 years old
  • Up to 12% domestic ATM fee reimbursements monthly
  • No monthly maintenance fees attached
  • No overdraft/non-sufficient fund fees
  • It has a daily transaction limits of $100 cash, $500 debit.

That’s it for Axos bank checking account. APPLY HERE

Savings account

The next account product in line is “Axos bank savings account.”

As a 100% digital bank, its overhead costs are lower than the traditional banks, by saving smart you’ll simply end up with more money in your account. You will say goodbye to traditional banks after a great treat.

A look at some of the savings accounts shows that axis has the following;

1. High yield saving: If you wish to grow your money faster, high yield savings may just be the best deal to compliment your dreams, it begins and takes through by multiplying your funds geometrically through a robust interest rate.

Features

  • You earn up to 0.61% APY
  • You have free ATM card upon request
  • It comes with suite of digital money management tools
  • No maintenance fees whatsoever
  • You do not need keep a monthly minimum balance, by this gesture your account can be withdrawn to $0.
  • You will need $250 minimum balance in place to open this account

2. Certificate of Deposit (CDs): This is a time deposit, a bank financial product with specific fixed term and interest rate. By this standard you are leaving a sum for a predetermined period of time.

Features

  • Earn up to 0.20% APY
  • Free electronic interest transfers
  • 3 to 60 months terms obtainable
  • You will require $1000 minimum for account opening
  • You are not paying setup or maintenance fees
  • Auto renewal with a 10-day grace period
  • FDIC insured

APPLY HERE

3. High Yield Money Market: This affords a high interest rate.

Features

  • Earn 0.6% APY
  • FDIC insured
  • Check writing allowed
  • No monthly maintenance fees
  • No minimum balance requirements
  • Debit card transactions available
  • Minimum opening balance is $1000

Mortgage

If you are looking to purchase or refinance a building/house, Axos bank is a home for low mortgage rates.

Read also: Scotiabank Canada, SWIFT code, GIC and subsidiary

This can be done in three easy steps;

  • Check the rate, then fill out the instant mortgage rate quote form as seen on the page.
  • Apply online, it ensures you avoid trips to the bank.
  • Get pre-qualified, axos delivers home loan pre-qualifications and pre-approvals quickly to qualified candidates.
  • To get mortgage call: 888-546-2634 or Apply Here.

Small business checking accounts

I want to believe you have great plans for your business already, axos shares in your sentiment too, in this light you can have access to its small business accounts suitable for customerS of all class.

To motivate and support you, if you registered your business after June 1, 2020, you will receive a $100 bonus to your business account by applying the promo code: NEWBIZ100.

The small business checking account has been classified into:

1. Basic business checking: This is designed for small businesses with average or moderate account activity over time.

Features

  • No monthly account maintenance fees
  • Your first set of 50 checks are free
  • Unlimited domestic ATM fee reimbursements
  • Visa debit card available
  • ACH payments accepted
  • Dedicated relationship manager in place

Additional services attached to the basic business checking account are;

  • Mobile banking
  • Online banking
  • 24/7 customer service support
  • Workplace banking, this is aimed at helping your employees to improve their financial wellness, it offers a low fee account.

2. Business interest checking: If you wish to grow your business with cash reserve, this account is ideal for you.

Features

  • Earn up to 0.81% annual percentage yield
  • A minimum opening balance of $100
  • Maintain a daily minimum balance of $5000, with this in place the bank will wave the $10 monthly maintenance fee.
  • Unlimited domestic ATM fee reimbursement
  • Free image statement etc

Additional services attached to this package are

  • Online banking
  • Mobile banking
  • Remote deposit anywhere

3. Business premium savings: This is likewise aimed at small businesses with moderate account activity, it comes with no minimum deposit requirements.

Features

  • It has operational competitive interest rate
  • A minimum opening balance of $2,500
  • No monthly maintenance fee attached
  • No average daily balance in place
  • Free image statement
  • Online banking associate is free
  • You can deposit remotely from any location

Additional services attached are:

  • Online banking
  • Mobile banking
  • Remote deposit anywhere

4. Business money market: This is an account that ensures you enjoy competitive interest earnings and check writing privileges without monthly maintenance fee.

Features

  • Competitive interest rate
  • $1,000 minimum opening deposit
  • $5000 average daily balance
  • Free image statement

Additional services attached are:

  • Online banking
  • Mobile banking
  • Remote deposit anywhere

Axos bank locations/ commercial offices

San Diego: 4350 La Village Drive, STE 140 San Diego, CA 92122

Los Angeles: 700 S. Flower St, STE 2300 Los Angeles, CA 90017

Las Vegas: 9205 West Russell Rd, STE 400 Las Vegas, NV 89148

Kansas: 7300 College Blvd, STE 450 Overland Park, KS 66210

Salt Lake City: 6975 Union Park Center, STE 200 Cottonwood Heights, UT 84047

Axos Bank Headquarters

4350 La Jolla Village Drive, Suite 140 San Diego California 92122

Axos bank phone number

Personal banking: 1-855-232-2967

Business banking: 1-855-232-2967

Mortgage banking: 1-844-296-7466

Loan servicing: 1-866-923-7112

Frequently asked questions

Q1. How do I enable the reset password feature in online banking?

Ans. You will have to log into your online banking platform, select the options tab.

Under Personal Settings, enter your password reset questions and answers, then select submit to enable the feature, that’s all.

Q2. How do I send a secure message in online banking?

Ans. Log into your online banking, then select “Secure Messages” on the left end of your navigation menu.

Q3. How do I make a deposit to my business account?

Ans. You may fund your business account in any of following ways;

Axos bank ABA/Routing Transit Number – 122287251,

Address: Axos bank 4350 La Jolla Village Drive, Suite 140 San Diego, CA 92122.

  • Mail a check option: Mail your check to Axos bank PO Box 509127 San Diego, CA 92150-9127
  • Use the mobile app: Remote deposit anywhere allows you to deposit a check by simply using your smart phone to take a photo of it, your deposit can be made at any time.
  • Have your financial institution initiate a transfer of money to the bank.

Q4. Is my Axos bank account secured?

Ans. All business banking products/services offered by Axos are insured with FDIC.

Q5. How do I contact Axos bank?

Ans. Phone: Business relationship manager: 1-844-678-2726. Business hours Monday – Friday 6:00 a.m to 6:00 p.m

Fax: 1-858-350-0443

Traditional mail: Send mail via USPS to Axos bank P.O. Box 509127 San Diego, CA 92150-9127

Email: businessbanking@axosbank.com

Q5. What is the routing and transit number for Axos?

Ans. 122287251

Conclusion

There are a number of ways you can benefit from Axos bank products, take your time to check them out and pick from the list what really suits your financial and business wellness.

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