Top 20 Checking Accounts 2023
GOBankingRates
Among the Best Online Banks 2023
Forbes Advisor
Best for Online Account Options
Business Insider
Essential Checking is anything but basic.
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Direct Deposit Express
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Unlimited ATM fee reimbursements
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No overdraft, non-sufficient funds, or monthly maintenance fees
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Exclusive Visa® offers and perks
Direct Deposit Express
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Get paid up to two days early*
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Simple, fast, and free
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Included for Essential Checking customers with direct deposit
Opening an Account Is as Easy as 1-2-3
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Step 1: Select Open an Account.
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Step 2: Have your ID, Social Security number, and address handy.
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Step 3: Complete your application in less than 15 minutes.
Manage Essential Checking With the Axos App
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View your transactions and spending history.
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Get answers 24/7 with Evo, our virtual assistant.
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Set up auto alerts for any strange activity you don’t recognize.
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Move money to other accounts or send money to friends.
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Enable security measures to keep your money safe.
Ready to Apply?
Ready to open your free Essential Checking account? All you need is a valid ID, your Social Security number, and 15 minutes.