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.
 | ||
| Learn More | Learn More | |
Axos Bank | Chime | |
|---|---|---|
Rewards Checking - Up to 3.30% APY - | Get Started - | |
Benefits and Features | ||
| Savings | 0.61% APY (balances under $25k); 0.25% APY ($25K-$100K); 0.15% APY ($100k and over) | 1.25% 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 | ||
| Money Market | ||
| Minimum Deposit to Open | ||
| Mobile App | ||
| ATMs | approximately 91,000 partner ATMs | Over 50,000 fee-free MoneyPass, Allpoint, and Visa Plus Alliance ATMs |
| Customer Service | ||
| Locations | ||
CreditDonkey® Reviews | ||
| ||
| Savings |   | |
| CD |  | |
| Checking | | |
| Money Market | | |
| Mobile App | | |
| ATMs | | |
| Locations | | |
| Customer Service | | |
| Pros & Cons | Pros:
| Pros:
|
| Bottom Line | Full-service online bank with excellent cashback and interest checking... | Banking app that offers an online account with early paycheck access and credit builder features... |
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. 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. | ||
Rewards Checking - Up to 3.30% APY
- 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
Axos ONE - Earn up to 4.66% APY
- 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.
- No monthly maintenance, minimum balance, account opening, or overdraft fees.
Basic Business Checking - Up to $400 Bonus
- 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 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?
You Might Also Like
Banks with No Overdraft Fees
Banks are slowly starting to ditch overdraft fees. If you're looking to open a new account without overdraft fees, here are some of the top picks.
Best Joint Checking Accounts
Explore an expert review of the top joint checking accounts for your needs: married couples, unmarried couples, parents-teens, and businesses.
Best Free Debit Card for Kids and Teens
Are free debit cards for kids safe and legit? Compare the top 9 best free debit cards for teens and kids under 13.
Quontic Bank Review
Quontic Bank aims to provide a better experience (and rewards) for those underserved by traditional banks. Review the rates, fees, and customer reviews.
Best Student Checking Accounts
A student checking account allows you to manage your money with fewer fees and requirements. Find the best student checking accounts offered by the top banks.
Best Free Checking Accounts
Want to dodge hefty banking fees? Learn about the best free checking accounts in this detailed guide. No hidden charges or high balances needed.
Next Page: Axos Bank Review
