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Axos Bank vs USAA Bank

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

 Axos Bank
Member FDIC
 Visit SiteLearn More
 

Axos Bank

USAA Bank

SPECIAL OFFER
Rewards Checking - Up to 3.30% APY - Learn More

Read Axos Bank Review

SPECIAL OFFER
9-Month Jumbo CD - 5.00% APY - Learn More

Read USAA Bank Review

 

Benefits and Features

Savings0.61% APY (balances under $25k); 0.25% APY ($25K-$100K); 0.15% APY ($100k and over) 
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
 
Money Market
0.25% APY
 
Mobile App
iOS & Android
 
ATMsApproximately 91,000 partner ATMs100,000+ USAA and USAA-preferred ATMs
Customer Service
24/7
  • Monday to Friday 8:00AM - 7:00PM (ET)
  • Saturday & Sunday 9:30AM - 2:00PM (ET)
Locations
Online only
5 financial centers in Colorado, New York, Maryland, and San Antonio
 

CreditDonkey® Reviews

 Axos Bank
SavingsStarStarStarStarHalf StarStarStarHalf StarEmpty StarEmpty Star
CDStarStarStarEmpty StarEmpty Star
CheckingStarStarStarStarStar
Money MarketStarStarStarStarHalf Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
ATMsStarStarStarStarHalf Star
LocationsStarStarEmpty StarEmpty StarEmpty Star
FeesStarStarStarHalf 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:
  • $0 monthly fees
  • Free bank card
Cons:
  • Low APY
  • Not available for all
Bottom LineFull-service online bank with excellent cashback and interest checking... Read full reviewSavings account with low rate and limited availability... Read full review
 Visit SiteLearn More

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 04/10/2024.

USAA Bank: Pricing information from published website as of 11/25/2023.

Axos Bank
Member FDIC

Rewards Checking - Up to 3.30% APY

Expires 6/30/2024
  • Use promo code AXOS300 and apply by June 30th, to earn up to a $300 bonus!
  • Up to 3.30% APY
  • Zero monthly maintenance fees
  • Zero overdraft or NSF fees
  • Zero minimum monthly balance reqs
  • Unlimited domestic ATM fee reimbursements
  • Online debit card management
  • Simple, 3-step process for direct deposit
  • Only $50 to open an account
Axos Bank
Member FDIC

Basic Business Checking - Up to $400 Bonus

Expires 6/30/2024
  • Business owners get up to $400 welcome bonus!*
  • Open a business checking account by June 30 and get up to $400 when you use promo code NEW400 on your application and maintain a minimum average daily balance of $50,000.*
  • Zero opening deposit and cash deposits accepted
  • Zero minimum monthly balance requirements
  • Two domestic wire reimbursements monthly
  • Unlimited domestic ATM fee reimbursements
  • Enhanced Visa benefits and first 50 checks free
  • Dedicated relationship manager and more
Axos Bank
Member FDIC

CashBack Checking - Earn up to 1.00% Cash Back

  • Earn up to 1.00% cash back on signature-based purchases
  • Unlimited domestic ATM fee reimbursement
  • No monthly maintenance fee
  • $50 minimum balance required to open account

Which is Better: Axos Bank or USAA Bank?

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 Chase.

In short: Axos Bank's savings is notable.


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.

Is Axos Bank Legit

Is Axos Bank safe and legit? Find out if Axos is a good bank and learn more about its pros, cons, and common complaints.

Articles on USAA Bank

USAA Savings Account Interest Rate

Looking to open a savings account with USAA Federal Savings Bank? Read on to learn what rates are being offered.

USAA High Yield Savings

USAA Bank boasts a savings account with an adequate rate and no fees. But you may not be eligible to get it. Read on to find out.

Which Do You Think is Best?





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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.

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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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