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finder.com’s rating: 5.0 / 5.0
★★★★★
Axos Bank’s Golden Checking is an interest-bearing account for people aged 55 and older. But the APY on this account is the lowest offered by Axos on its interest-bearing accounts, and it doesn’t include some of the more popular perks included in the bank’s other checking accounts.
$0 per month
Fee
0.10%
APY
$250
Minimum deposit to open
APY | 0.10% on balances of $0+ |
---|---|
Fee | $0 per month |
Minimum deposit to open | $250 |
ATMs | 91,000 free ATMs across the country |
ATM fee rebates | Up to $8 domestic ATM fee reimbursements per month |
Overdraft fee | $0 |
Nonsufficient funds fee | $0 |
Learn more | Apply now |
Review by
Heather Petty is a personal finance writer at Finder, specializing in home and personal loans. After falling victim to a disreputable mortgage broker when buying her first home, she’s on a mission to help readers avoid similar experiences when managing their own finances. A self-proclaimed word nerd, her writing has been featured on MSN, Credit.com and MediaFeed, among others. Heather previously worked as a technical writer and editor for the casino systems industry and is an internationally published young adult mystery author. She earned a bachelor’s degree in English with a minor in journalism from the University of Nevada, Reno.
Open a Golden Checking account in six steps:
You must meet the following requirements to open the account:
Have the following information ready before you apply:
In addition to mobile banking tools, expect the following benefits:
Keep in mind the following drawbacks before you apply:
So, if you want an account with a higher interest rate, compare your options before you apply.
The account details listed on Axos’ website are inconsistent with the account disclosure documents. The site lists a $250 opening deposit, while the disclosure lists it for $250. We spoke with a representative who confirmed that the disclosures have not been updated and $250 is the correct amount. You’ll want to double check account details before you apply and accept the terms.
You can access your money in several ways.
In addition to Golden Checking, Axos offers a variety of other personal checking accounts:
Call 888-502-2967 any time of the week, excluding major holidays, or log in to your online account to send a secure message.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.