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Axos One: Earn Up to 4.66% APY on Savings and 0.51% APY on Checking with Qualifying Requirements

+19 Deal Score
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Axos is offering up to 4.66% APY on savings, and 0.51% APY on checking when you meet requirements with Axos One.

Offer Requirements:
  • Option 1
    • Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.
    • The average daily balance of your Axos ONE Checking account is greater than $1,500.
  • Option 2
    • Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.
    • The average daily balance of your Axos ONE Checking account is greater than $5,000.

If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:
  • The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.
  • The Axos ONE Savings account will earn a promotional rate of up to 4.66% APY for the statement cycle in which the requirements are met.

Details:
  • Earn up to 4.66% APY on savings, and 0.51% APY on checking when you meet requirements.
  • Get your money up to 2 days early. You've earned it, so start earning on it.
  • No monthly maintenance, minimum balance, account opening, or overdraft fees.
  • We've got you covered. Access expanded FDIC Insurance for up to $250 million.
  • Access a network of over 95,000 fee-free ATMs.
  • Manage all your bank accounts from one place in the Axos app.
  • Link external accounts in the app to move your money seamlessly.



*The Annual Percentage Yield (APY) is accurate as of 1/30/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.

The Qualification Period is from the 1st of the month through the 25th of the month. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period.
A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.

Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder's Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.

Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.


Slickdeals may be compensated by Axos
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Created 11-06-2024 at 10:36 AM by EfficientGame645
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Deal
Score
+19
117,872 Views
These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

149 Comments

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Joined Nov 2011
L3: Novice
> bubble2 203 Posts
56 Reputation
Kostbar
02-20-2025 at 07:17 PM.
02-20-2025 at 07:17 PM.
Quote from famewolf :
I'm not sure exactly what you are smoking but you should change blends. Are you now talking to yourself because I didn't report any posts but did note YOURS disappeared.



..and here you are starting things back up AGAIN.

I'm curious...you've been on slickdeals 2 years less than me..and yet have never POSTED a thread which means you've NEVER posted a deal...so is this all you come here for? Sounds like it's you screaming for attention. I retired 20 years ago and lived off my investments...what have you done with YOUR life? Oh and I'm less than 55 years old so do the math. Go back to your mother's basement and let the adults discuss finance.

I came here to help others by posting some good rates, not argue with children.

Wow, easy there. No need to be unkind.
Reply
Joined Mar 2022
L2: Beginner
> bubble2 90 Posts
33 Reputation
SharpSquirrel2492
02-20-2025 at 09:05 PM.
02-20-2025 at 09:05 PM.
Quote from scigenumab :
I am done chasing these. I just do swvxx, vanguard settlement fund, or other similar money market funds. They pay near the top of any bank and the rates float with the bond market rather than a bank's customer acquisition plans.

Is that Schwab Value Advantage Money Fund? And not vanguard.
Reply
Joined Dec 2007
L10: Grand Master
> bubble2 6,002 Posts
1,725 Reputation
famewolf
02-21-2025 at 07:52 AM.
02-21-2025 at 07:52 AM.
Quote from SharpSquirrel2492 :
Is that Schwab Value Advantage Money Fund? And not vanguard.


Sounds like it....the schwab cash acccount is paying a decent return albeit not FDIC insured and no rate guarantee of any kind... they had to since for their intelligent portfolio's they want you to keep large sums in cash. Even choosing the most aggressive option you still have to keep 4% in cash and the default is much much higher. Now that's just for the robo advisor...you can still do your own thing in a regular account.
Reply
Joined Dec 2007
L10: Grand Master
> bubble2 6,002 Posts
1,725 Reputation
famewolf
02-21-2025 at 08:04 AM.
02-21-2025 at 08:04 AM.
Quote from Kostbar :
Wow, easy there. No need to be unkind.

It may seem that way but keep in mind many of his posts have been deleted. In any case I added him to ignore...problem solved. Back to interest rates. Smilie
Reply
Joined Mar 2005
L6: Expert
> bubble2 1,409 Posts
228 Reputation
MrHaney
02-21-2025 at 10:49 AM.
02-21-2025 at 10:49 AM.
Security State Bank 5% CD 12 months

Link: https://www.ssbscott.com/
Reply
Joined Jun 2010
L5: Journeyman
> bubble2 559 Posts
68 Reputation
ramblers
02-21-2025 at 01:04 PM.
02-21-2025 at 01:04 PM.
Quote from rdcrds :
I had took some out to fund another bank but i only have 19k in there i can close it in a hot second but ill wait for the 1st of the month to get full interest before i close it out but right now i have my capital one which only pays 3.90 to move first before the 4.31 UFB
Are people currently getting 4.3 with UFB? Mine dropped from over 5 to 4.01.
Reply
Joined Dec 2007
L4: Apprentice
> bubble2 339 Posts
83 Reputation
Aphex242
02-21-2025 at 04:23 PM.
02-21-2025 at 04:23 PM.
Quote from goredsox415 :
Happened to me with UFB Direct bank. Opened and within 3 months, rate dropped from 5.0% to 4.3%.
Had the same experience with UFB. Last year, mid-summer, I was at 5.23% with them. Today I'm at 4.01%. Worse, they've never once notified me about a decrease. I'm closing my account Tuesday, which is the soonest I can move money out now. Eff these guys.
Reply

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Joined Dec 2009
L9: Master
> bubble2 4,917 Posts
506 Reputation
rdcrds
02-21-2025 at 05:59 PM.
02-21-2025 at 05:59 PM.
Quote from ramblers :
Are people currently getting 4.3 with UFB? Mine dropped from over 5 to 4.01.
nope they dropped to 4.01 after the last fed move. lots higher
Reply
Joined Dec 2009
L9: Master
> bubble2 4,917 Posts
506 Reputation
rdcrds
02-21-2025 at 06:01 PM.
02-21-2025 at 06:01 PM.
Quote from Aphex242 :
Had the same experience with UFB. Last year, mid-summer, I was at 5.23% with them. Today I'm at 4.01%. Worse, they've never once notified me about a decrease. I'm closing my account Tuesday, which is the soonest I can move money out now. Eff these guys.
Just wait another week past that and get the full month interest then close it out
Reply
Joined Dec 2007
L4: Apprentice
> bubble2 339 Posts
83 Reputation
Aphex242
02-21-2025 at 07:08 PM.
02-21-2025 at 07:08 PM.
Quote from rdcrds :
Just wait another week past that and get the full month interest then close it out

It's calculated on a daily basis. So nah.
Reply
Joined Dec 2007
L10: Grand Master
> bubble2 6,002 Posts
1,725 Reputation
famewolf
02-22-2025 at 09:46 AM.
02-22-2025 at 09:46 AM.
Quote from MrHaney :
Security State Bank 5% CD 12 months

Link: https://www.ssbscott.com/
*apologies* Slickdeals click tracking broke the link for me. Rep'd
Reply
Last edited by famewolf February 22, 2025 at 09:49 AM.
Joined Nov 2007
Research then Shop
> bubble2 261 Posts
81 Reputation
Itorian
02-22-2025 at 04:32 PM.
02-22-2025 at 04:32 PM.
I'm not giving up PayPal savings 4% with no real requirement
Reply
Joined Mar 2005
L6: Expert
> bubble2 1,409 Posts
228 Reputation
MrHaney
02-22-2025 at 05:57 PM.
02-22-2025 at 05:57 PM.
Quote from famewolf :
*apologies* Slickdeals click tracking broke the link for me. Rep'd
Sorry, I'm not sure what you mean?
Reply
Joined Mar 2017
New User
> bubble2 2 Posts
10 Reputation
crbreingan
02-22-2025 at 05:58 PM.
02-22-2025 at 05:58 PM.
I tried Axos bank a couple of years ago. They have terrible customer service. They locked my account without any notice or explanation. I couldn't access my money for several weeks. Their support was terrible and I couldn't get anyone on the phone to fix my account. I do not recommend them
1
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Joined Dec 2007
L10: Grand Master
> bubble2 6,002 Posts
1,725 Reputation
famewolf
02-23-2025 at 09:34 AM.
02-23-2025 at 09:34 AM.
Quote from MrHaney :
Sorry, I'm not sure what you mean?

First time I tried your link it didn't work for me. tried it in a private window and it did...so the extensions I use to clean up slickdeals tracking broke the link. I had replied with the issued and edited the post once I figured out what was the problem.
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