Axos Bank Bonus Offers in September 2026

Axos is an online bank offering a variety of checking, savings and banking products. It’s known to feature great bank account bonuses. In the past, Axos had offered a bonus of up to $500 for one of its personal checking accounts. Historically, most Axos’ bonuses have direct deposit, balance or activity requirements you must meet before you can collect bonus cash.

All Axos bonuses at a glance

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Capital One 360 Checking

An interest-bearing checking account with flexible overdraft options and international access.

• $0 monthly fees
• Large ATM network (70,000)
• Multiple overdraft protection options
• 0% foreign transaction fees
• Works with Zelle

Partner terms and conditions

Member FDIC

Incentive Details and Disclaimers: Current Promotion

Earn a $250 bonus with 360 Checking. Open a new account on or after August 22nd, 2024 using the promo code CHECKING250 then set up and receive at least 2 qualifying direct deposits of $500 or more within 75 days of account opening. Terms Apply.

Axos’s best bonus offer

One of Axos Bank’s easiest bank account bonuses to earn is the referral bonus, since it requires minimal effort on your end (and it’s the only one right now, so it wins by default).

As the referrer, you must have the Axos Rewards Checking or Axos ONE account and send a unique referral link for someone to use upon signup. The referred person has to set up direct deposit and deposit at least $1,000 within 90 days. Afterward, both you and the referred person earn the $50. Compared to other bank account bonuses, these bonus requirements are well within what we’d consider reasonable.

If you need a business checking account, the $300 bonus for either the Basic Business Checking or Business Interest Checking accounts is up for grabs. However, both bonus offers require maintaining high balances and meeting specific debit card activity thresholds.

Bonus spotlight

If you’re still in the market for an account, check out Finder rewards for more opportunities.

Compare more bank account bonuses

Axos frequently offers new customer and direct deposit bonuses, but many require setting up direct deposit, holding a certain balance or performing a minimum number of transactions. However, that’s not unique to Axos — most bank account bonuses have specific requirements to obtain that tasty bonus cash.

Check out the best bank account bonuses if Axos isn’t what you’re looking for.

• SoFi terms and conditions

  New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 5/15/2026 and will be available through 12/31/26. See full bonus and annual percentage yield (APY) terms at sofi.com/banking/checking-offer/
  
  Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 5/28/26. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet
  
  We do not charge any account, service, or maintenance fees for SoFi Checking and Savings. We do charge transaction fees for outgoing wire transfers, Instant Transfers, and global remittance transfers. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.
  
  SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.
  
  We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.
  
  Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.
  
  Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at https://www.sofi.com/legal/banking-rate-sheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.
  
  Earn up to 4.00% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.90% APY Boost (added to the 3.10% APY as of 5/28/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at sofi.com/banking#4. SoFi Bank, N.A. Member FDIC.

Frequently asked questions

• How do I get a $300 Axos bonus?

  Finder members were eligible to receive a $300 digital Visa gift card when they opened a new Axos ONE account through Finder and deposited $5,000 or more. This offer has now ended.

• How do I get the $500 bonus at Axos Bank?

  The $500 bonus for the Axos Rewards Checking Account expired in July 2024.

• Are there banks with immediate signup bonuses?

  In nearly every case, new customer bank account bonuses are not immediate. You'll probably need to meet specific requirements before earning the bonus cash, such as setting up direct deposit, referring someone to open a new account or maintaining a certain balance over a set period.

  After you've met bonus requirements, banks typically send out bonus cash within two weeks to one month, though delivery times vary by bank.

• Is Axos a legit bank?

  Axos is a legitimate online bank. It originally launched as Bank of Internet USA in the early 2000s and is now known as Axos Bank. It is FDIC-insured, meaning its deposit accounts are protected up to $250,000 per depositor.

• Does Axos support Zelle?

  No, Axos does not currently support the money transfer service Zelle. However, you can use the Zelle app on its own, and there are over 2,000 banks and credit unions integrated with Zelle. Compare top banks that support Zelle.

To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings as part of our fact-checking process.

Written by

Bethany Hickey

Banking editor

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Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto. Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt. Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others. Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine. See full bio

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