Axos Bank vs Chime

Axos Bank is a full-service online bank with excellent checking and savings. How does it compare to Chime? Read our comparison chart below.

	Member FDIC	ChimeBank of America
	Learn More	Learn More
	Axos Bank	Chime
	SPECIAL OFFER Axos ONE - Earn up to 4.21% APY - Learn More Read Axos Bank Review	SPECIAL OFFER Get Started - Learn More Read Chime Review
	Benefits and Features
Savings	0.61% APY (balances under $25k); 0.25% APY ($25K-$100K); 0.15% APY ($100k and over)	1.00% Annual Percentage Yield (APY).
CD	0.20% APY. Terms of 3 months to 5 years. $1,000 minimum
Checking	Rewards Checking: Up to 3.30% APY Cashback Checking: Up to 1% cashback	No monthly service fee; no minimum balance; no overdraft fees; no foreign transaction fees
Monthly Fee		$0
Money Market	0.25% APY
Minimum Deposit to Open		$0
Mobile App	iOS & Android	iOS & Android
ATMs	approximately 91,000 partner ATMs	Over 50,000 fee-free MoneyPass, Allpoint, and Visa Plus Alliance ATMs
Customer Service	24/7	24/7
Locations	Online only	Online only
	CreditDonkey® Reviews
Savings
CD
Checking
Mobile App
ATMs
Locations
Customer Service
Pros & Cons	Pros: Checking with rewards No monthly fee Domestic ATM rebates Cons: Low CD rates No physical branches	Pros: No account fees Get paycheck 2 days early Up to $200 overdraft coverage Cons: Hard to deposit cash
Bottom Line	Full-service online bank with excellent checking and savings... Read full review	Banking app that offers an online account with early paycheck access and credit builder features... Read full review
	Axos ONE - Earn up to 4.21% APY Basic Business Checking - Up to $200 Bonus Business Premium Savings - Up to 3.60% APY	Get Started Personal Checking Account - $350 Bonus Personal Checking Account - $200 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Axos Bank: Pricing information from published website as of 02/20/2026. Chime: Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.

Member FDIC

Axos ONE - Earn up to 4.21% APY

Learn More

• Earn up to 4.21% APY* on savings, and 0.51% APY* on checking when you meet requirements.
• Get your money up to 2 days early.
• No monthly maintenance, minimum balance, account opening, or overdraft fees.

Member FDIC

Basic Business Checking - Up to $200 Bonus

Get Deal

Expires 6/30/2026

• Open a Basic Business Checking account using promo code START200 by June 30, 2026.
• Every dollar counts when you're starting out. That's why new businesses can earn up to $200 opening a new Basic Business Checking account today.
• No initial deposit requirement
• No minimum balance requirement
• No monthly maintenance fees
• Free domestic incoming wires. Two (2) outgoing domestic wire fees reimbursed per month.
• Unlimited domestic ATM fee reimbursements
• Unlimited item processing (debits, credits, and deposited items)
• Cash deposits via MoneyPass and Allpoint networks

Member FDIC

Business Premium Savings - Up to 3.60% APY

Get Deal

Expires 6/30/2026

• Bundle with checking and unlock a bonus of up to $600.
• Discover the Axos Business Bundle, combining flexible checking with high-yield savings and earn an exclusive bonus up to $600. Use promo code SBB600.†
• Earn 3.60% APY* With Business Premium Savings
• Free domestic and international incoming wires
• No monthly maintenance fee
• No minimum opening deposit
• No average daily balance requirement
• Business deposit accounts FDIC insured up to $250k

Which is Better: Axos Bank or Chime?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Axos Bank or Bank of America.

Articles on Axos Bank

Axos Bank Review

Axos Bank offers full-service banking completely online with no fees. Find out below whether they can replace your traditional bank account.

• Axos Bank vs Bank of America

Axos Business Checking

Looking for affordable banking for your small business? Axos Bank offers a free business checking account or an interest-bearing account. Read on.

Articles on Chime

Chime

Chime has no monthly fees, so what's the catch with the app? Find out how you can get paid two days early and grow your savings.

Chime Locations

Chime is a popular fintech company with no physical branches. But how do you access your money? Keep reading to find out.

Chime Alternatives

Discover the best Chime competitors that can offer you better rewards and a wider range of account options.

Which Do You Think is Best?

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