checking
Axos $200
Axos Checking
With a friend's Axos referral link during the holiday window, new Axos Checking customers earn $200 after $1,500 in direct deposits within 90 days.
Effective value after fees
$200
Uses the holiday total of $200 and the product page's $0 monthly fee. Without a referral link, this offer does not apply. After the holiday window, the published friend bonus on this product is $100.
Exact requirements
- You must be new to Axos and apply with a current customer's referral link, using the same email you entered on that link.
- The standing referral pays the new customer $100 after $1,500 in direct deposits within 90 days.
- The holiday add-on pays another $100 if you sign up through the link by December 31, 2026 and submit the application between November 9, 2026 and January 15, 2027.
- A friend can earn only one personal referral reward. This does not stack with Axos ONE or Summit Savings.
- Bonus
- $200
- Direct deposit
- $1,500 in paycheck or government-benefit direct deposits within 90 days of opening.
- Deposit
- Fund the account within 60 days of opening or Axos may close it.
- Keep the account open
- The account must be open and in good standing when Axos pays, within 30 days after you qualify.
- When the bonus posts
- Within 30 days after the product requirements are met.
- Expiration
- Holiday signup through the referral link by December 31, 2026. Applications for the extra $100 run November 9, 2026 through January 15, 2027. After that, the page still describes the standard $100.
- Monthly fee
- $0 monthly fee on the Axos Checking product page.
- How to waive it
- The checking product page says there is no monthly fee, no overdraft fee, and no minimum balance. That fee language is on the product page, not repeated in the referral footnotes.
- Early closure
- Not stated. Fund within 60 days to avoid closure.
- Credit pull or ChexSystems
- not stated
- Where it is offered
- Availability not stated. The referral page does not list states.
- Last verified
- November 15, 2026
Fine print
International paychecks, real-time payments, transfers, ATM and mobile deposits, and person-to-person payments do not count. Bonuses may be reported on Form 1099. Verified November 15, 2026. Product fee checked the same day at https://www.axosbank.com/personal/bank/checking-accounts/axos-checking.
Source checked November 15, 2026: https://www.axosbank.com/referral-program