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Axos Bank Bonus Offers in December 2024

Compare this online bank’s account and referral bonuses.

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

Bonus typeBonus amountRequirementsLearn more
Basic Business Checking or Business Interest Checking new customer bonus$300 or $400Enter promo code NEW400 upon opening.
  • Earn up to $75 for up to 4 cycles when you hold an average daily balance of $25,000 to $49,999.99 and complete 10 POS transactions.
  • Earn up to $100 for up to 4 cycles when you hold an average daily balance of $50,000 or more and complete 10 POS transactions.
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Referral bonus$50 for each referrer and referred personSuccessful referral for an Axos Essential Checking or Rewards Checking account. Requires use of unique referral link in Axos account, and referred person must fund the with at least $1,000 in direct deposits within 90 days of opening. Read Review

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.

As the referrer, you must either have the Axos Essential Checking or the Axos Rewards Checking 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 or $400 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.

4.2
★★★★★

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Axos ONE

The Axos ONE account is an all-in-one digital account, complete with checking and savings. Earn high APYs on both checking and savings balances after meeting deposit and balance requirements.

  • $0 monthly fee
  • Up to 4.86% APY on savings
  • Up to 0.51% APY on checking
  • Large 90,000+ fee-free ATM network

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.

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PNCUp to $1,000Learn more
SoFi®Up to $300Learn more
Discover® Online Savings AccountUp to $200Learn more
UpgradeUp to $200Learn more
ChimeUp to $100Learn more
VaroUp to $25Learn more

Frequently asked questions

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

The $500 bonus for the Axos Rewards Checking Account expired in July 2024. The highest available bonus at Axos currently is the $400 bonus for select business bank accounts, as of November 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.

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

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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