Total Loan Rewards Checking Account

Maximize your loan. Get rewarded with cash back.

Have a loan with us? Earn 3% cash back* on your monthly payments with our Total Loan Rewards Checking Account.

Open an Account

America’s Best Online Bank

MyBankTracker

Best Overall Bank Checking Account

Forbes 2022

Best Overall for Online Banking

Forbes Advisor 2022

Designed Exclusively for Loan Customers

Bank With Confidence

  • 3% annualized cash back on a single monthly loan payment*

  • Unlimited domestic ATM fee reimbursements

  • Zero monthly maintenance fees

  • 100% mobile and online banking

  • Zero minimum balance required to open an account

  • Unlimited check writing

Ready to get started?

With Total Loan Rewards Checking, you can earn 3% annualized cash back* on your loan payments. Just keep at least 2x a single monthly loan payment as an average daily balance.

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Peer-to-Peer Payments

Pay your friends directly from your account. All you need is their mobile number or email. It’s fast, easy, and secure.


Account Alerts

Want to stay up-to-date on your activity? We’ve got you covered. Turn on alerts and get real-time updates on your account activity. Get notified via text, push notifications, or email – it’s all up to you!

Automate Your Bills

Never miss a bill payment again. With Bill Pay, you can truly “set it and forget it” by auto-paying bills directly from your account.

Debit Card Management

Activate, deactivate, or reactivate your debit card – all from your banking dashboard. Need a replacement card? Traveling soon? Not a problem – take care of all your debit card needs online.

Biometric Authentication

Fingerprints, voiceprints, and facial recognition = peace of mind. At Axos Bank, your security is our top concern. Boost your account security with biometric authentication – and keep the scammers away.

Security You Can Count On

Anti-virus and Malware Protection

We execute regular updates to detect and prevent viruses and malicious software.

2-Step Authentication

For identity verification, we ask questions that you only know the answer to, or we'll send a security code to your registered device.

SSL Encryption

Our 128-bit Secure Socket Layer (SSL) encryption ensures your data remains private and secure.

Account Monitoring

All accounts are regularly monitored for potential fraud.

Automatic Logout

Inactive sessions are automatically logged out to prevent unauthorized data collection and use of your accounts.

Usernames and Passwords

We do not and will not share your usernames or passwords.

Ready to apply?

All you need is a valid ID, your Social Security number, and 15 minutes.

Apply Now