Axos Bank vs Chase

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

Axos Bank offers a range of checking and savings products. Checking options includes a up-to 1% cashback account and rewards checking account with a higher interest rate. Savings options include savings accounts and CDs with higher-than-average rates. All accounts have no monthly service fees.

While Chase is one of the biggest banks in the nation with more than 4,700 branches and over 15,000 ATMs. They offer a variety of banking, loans and investing services.

Compare Axos Bank with Chase, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Axos Bank	Chase
	Member FDIC	Member FDIC
	Learn More	Visit Site
	SPECIAL OFFER Rewards Checking - Up to 3.30% APY - Learn More Read Axos Bank Review	SPECIAL OFFER Chase First Banking - Learn More Read Chase Review
	Benefits and Features
Savings	0.61% APY (balances under $25k); 0.25% APY ($25K-$100K); 0.15% APY ($100k and over)	Chase Savings: 0.01% APY. $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account, OR a linked Chase College Checking for Overdraft Protection, OR a linked qualifying Chase checking account, OR for owners under 18. $0 to open. Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.
CD	0.20% APY. Terms of 3 months to 5 years. $1,000 minimum	Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking	Rewards Checking: Up to 3.30% APY Cashback Checking: Up to 1% cashback	Chase Total Checking® Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open. Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open. Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open. Chase Private Client Checking℠: For high net worth individuals who have $150,000 on deposit with Chase.
Money Market	0.25% APY
Mobile App	iOS & Android	iOS & Android
ATMs	approximately 91,000 partner ATMs	15,000+ Chase ATMs
Customer Service	24/7	Automated service available 24/7
Locations	Online only	Over 4,700
	CreditDonkey® Reviews

Savings
CD
Checking
Money Market
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: More than 4,700 branches New customer coupons Full service banking Cons: Low savings rates Not in all states
Bottom Line	Full-service online bank with excellent cashback and interest checking... Read full review	National bank with good promotions for new customers... Read full review
	Learn More	Visit Site
	Rewards Checking - Up to 3.30% APY Axos ONE - Earn up to 4.46% APY Basic Business Checking - Up to $400 Bonus	Chase First Banking Referral Program - Up to $500 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 06/07/2025. Chase: Pricing information and data points from published website as of 08/26/2025.

Member FDIC

Rewards Checking - Up to 3.30% APY

Get Deal

Build your own APY with up to 3.30% APY*
Zero monthly maintenance fees
Zero overdraft or NSF fees
Zero minimum monthly balance reqs
No initial deposit requirement
Unlimited domestic ATM fee reimbursements
Online debit card management
Simple, 3-step process for direct deposit

Member FDIC

Axos ONE - Earn up to 4.46% APY

Learn More

Earn up to 4.46% 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 $400 Bonus

Get Deal

Expires 9/30/2025

Business owners get up to $400 welcome bonus!* Open a business checking account by September 30 and get up to $400 when you use promo code NEW400 on your application.*
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

Which is Better: Axos Bank or Chase?

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.

In short: Axos Bank's savings and checking are notable. In particular, the checking is excellent.

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 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 Chase

Chase Bank Reviews

Chase has new customer bonuses and a strong nationwide presence. But there are drawbacks. Read this review to see if Chase is a good bank for you.

Chase Open Account

Opening an account with Chase Bank is simple. Take a look at what you'll need and check out your account options in our guide.

Chase Business Checking Coupon

Chase Business Complete Banking offers up to a $500 bonus for new customers with qualifying activities. Find out how to get this limited business checking promotion.