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Axos Bank vs Chime

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

 Axos Bank
Member FDIC
 Learn MoreLearn More
 

Axos Bank

Chime

SPECIAL OFFER
Basic Business Checking - Up to $400 Bonus - Learn More

Read Axos Bank Review

SPECIAL OFFER
Get Started - Learn More

Read Chime Review

 

Benefits and Features

Savings0.61% APY (balances under $25k); 0.25% APY ($25K-$100K); 0.15% APY ($100k and over)2.00% Annual Percentage Yield (APY).
CD0.20% APY. Terms of 3 months to 5 years. $1,000 minimum 
CheckingRewards 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
ATMsapproximately 91,000 partner ATMsOver 60,000 fee-free MoneyPass, Allpoint, and Visa Plus Alliance ATMs
Customer Service
24/7
24/7
Locations
Online only
Online only
 

CreditDonkey® Reviews

 Axos Bank
SavingsStarStarStarStarHalf StarStarStarStarStarStar
CDStarStarStarEmpty StarEmpty Star
CheckingStarStarStarStarStarStarStarStarStarStar
Money MarketStarStarStarStarHalf Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarStar
ATMsStarStarStarStarHalf Star
LocationsStarStarEmpty StarEmpty StarEmpty Star
Customer ServiceStarStarStarEmpty StarEmpty Star
Pros & ConsPros:
  • 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 LineFull-service online bank with excellent cashback and interest checking... Read full review Read full review

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 09/27/2024.

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.

Axos Bank
Member FDIC

Basic Business Checking - Up to $400 Bonus

Expires 10/31/2024
  • Business owners get up to $400 welcome bonus!*
  • Open a business checking account by October 31 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
Axos Bank
Member FDIC

Business Premium Savings - Up to 4.01% APY

  • Unlock a bonus up to $375 with Business Premium Savings. Save more, pay lower fees, and get a limited-time bonus up to $375 with a 4.01% APY* Business Premium Savings account. Use promo code BPS375.†
  • Earn 4.01% 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
Axos Bank
Member FDIC

High Yield Savings - Up to 0.61% APY

  • 0.61% APY on balance < $25,000
  • 0.25% APY on balance $25K-$100K
  • 0.15% APY on balance > $100K
  • No monthly maintenance fees
  • No minimum balance requirements
  • $250 minimum opening deposit
  • Free incoming wires
  • Zero minimum balance requirement

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 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?


Which Bank Account is Right for You?


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About CreditDonkey
CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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