How do I qualify for an Axos Bank account bonus?

To open an account at Axos and qualify for the bonus, you’ll need to make sure the account is currently eligible to receive a bonus during that period. Make sure you meet the requirements. For example, the Basic Checking account bonus requires you to open the account with the promo code, NEW400, and to complete the qualifying activities to reach the max $400 bonus. The qualifying activities include adding funds to the account in the first 30 days, having an average balance of at least $25,000 and completing at least 10 debit transactions each month.

Can existing customers qualify for these promotions?

Typically, promotional offers from banks like Axos are primarily geared toward new accounts. If you’ve had an account at Axos in the last 12 months, you will not be eligible.

What happens if I close my account early?

Some bank promotions will only offer bonus cash if you complete the activities during the period required. The Basic Business Checking account requires the account to be open for at least 180 days; otherwise, you’ll be charged a $200 fee.

Are there any taxes on bank bonuses?

Yes. Bank bonuses are usually considered taxable income, so the bank may issue either a 1099-INT or 1099-MISC form, which you’ll need to include when it comes time to file your taxes.

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Axos Bank Bonuses: Best Offers for 2025

September 2, 2025

7 min Read

Written by Caitlyn Moorhead

Edited by Melanie Grafil

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GOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology.

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Axos Bank is offering business owners and savers the chance to pocket up to $400 in cash bonuses on select accounts. Whether you’re opening a business checking account or boosting your savings, you could earn hundreds — if you meet the right requirements. Here’s everything you need to know about the latest Axos Bank bonuses.

Current Axos Bank Promotions: September 2025

Here’s a quick look at the Axos Bank bonuses you could qualify for right now.

Account	Bonus Value	Expiration Date
Axos Bank Basic Business Checking	Up to $200	Sept. 30, 2025
Axos Bank Business Interest Checking	Up to $400	Sept. 30, 2025
Axos Bank Business Premium Savings	Up to $375	Sept. 30, 2025

Axos Bank Business Checking Account Bonus: Up To $200

If you’re considering a business checking account, this is one of Axos Bank’s best promotions available right now.

Bonus value: Up to $200
Average daily balance to qualify: $3,000 for four months
Expiration date: Sept. 30, 2025
How to qualify: Use the promo code START200 to open your account. Once approved, fund the account within 30 days. You can get up to $50 payout during the first five statement cycles, with a maximum of four payouts, to add up to $200.
When you’ll get it: The bonus will be deposited into your qualifying account within 10 business days following the end of the statement cycle in which the balance requirement was met.
Terms and conditions:
- To earn the $200 bonus, maintain an average daily balance of $3,000 for four months.
- The account must remain in good standing once the balance requirement is met.
Monthly maintenance fees: $0

Learn more about the Axos Bank Basic Business Checking bonus.

Good To Know

The Basic Business Checking account has no monthly maintenance fees and reimburses domestic ATM fees — giving you more ways to keep your money working for you.

Axos Bank Business Interest Checking Bonus: Up to $400

The Axos Bank Business Interest Checking account provides an opportunity to earn interest on your balance, with competitive rates depending on your account balance.

Plus, you can take advantage of a bonus offer of up to $400 when you meet certain balance and transaction requirements.

Bonus value: Up to $400
Average daily balance to qualify: $25,000 to $49,999.99 for a $300 bonus; $50,000 or more for a $400 bonus
Expiration date: Sept. 30, 2025
How to qualify: Use the promo code NEW400 to open your account. Once approved, you have to fund it within 30 days. You can get up to $400 in bonuses during the first five statement cycles, with a maximum of four payouts.
When you’ll get it: The bonus will be deposited into your qualifying account within 10 business days following the end of the statement cycle in which the balance requirement was met.
Terms and conditions: To earn the $300 bonus, you must maintain an average daily balance between $25,000 and $49,999.99 and complete 10 debit card transactions of at least $3 each per month. To earn the $400 bonus, you must maintain an average daily balance of at least $50,000 and complete 10 debit card transactions of at least $3 each per month. The account must remain open for at least 150 days or you will face a $400 early closure fee.
Monthly maintenance fees: $10, waived if you maintain a minimum average daily balance of $5,000

A great opportunity to earn extra cash: Axos Bank Business Interest Checking bonus.

Axos Bank Business Premium Savings Bonus: Up to $375

The Axos Bank Business Premium Savings account offers a APY on your savings without a monthly fee to contend with. Plus, you can score a bonus through this account.

Bonus value: Up to $375
Average daily balance to qualify: $30,000 to $74,999.99 for a $75 bonus per cycle; $75,000 or more for a $125 bonus per cycle
Expiration date: Sept. 30, 2025
How to qualify: Use the promo code BPS375 to open your account. Once approved, you have to fund it within 30 days. You can get up to $375 in bonuses during the first four statement cycles, with a maximum of three payouts.
When you’ll get it: Bonuses are deposited within 10 business days after the end of the statement cycle where requirements are met.
Terms and conditions: This bonus cannot be combined with other new Axos small business account promotions. The account must remain open for at least 120 days or you’ll face a $375 early closure fee.
Monthly maintenance fees: $0

A great promotion is available for you: Axos Bank Business Premium Savings.

How To Qualify for an Axos Bank Bonus

To qualify for these lucrative Axos Bank bonuses, you’ll need to open a new account. This process should only take a few minutes. If you’re a legal U.S. resident, you’ll need to choose your account and complete the online application.

To apply, you’ll need:

Your Social Security number
A valid U.S. driver’s license or state ID
A valid U.S. address — no P.O. boxes
A current routing number and bank account number for account funding

Axos Bank Promotions vs. Competitor Offers

Axos Bank provides compelling promotions for new customers, but how do they compare to other banks’ offers? Here’s a look at a few current promotions:

Bank and Account	Account	Bonus Amount	Requirements	Expiration Date
Axos Bank	Basic Business Checking	Up to $400	Use a promo code and fund your account within 30 days. After that, you can earn $100 per statement cycle — up to 4 cycles — by maintaining a $50,000 balance and making 10 debit card purchases of $3 or more each month.	Sept. 30, 2025
KeyBank	Key Smart Checking	$300	Use an offer code when opening your account and receive direct deposits of $2,000 or more within 90 days.	Dec. 19, 2025
Huntington Bank	Platinum Perks Checking	$600	Deposit a minimum of $25,000 in new funds into your account within 90 days.	Sept. 15, 2025

While these promotions offer valuable incentives, choosing the right account involves more than just the bonus. Be sure to compare minimum balance requirements, fees and account perks to find the best fit for you and your needs.

Checking

Savings

CDs

MOST COMPARABLE

4.7

GBR Rating

KeyBank Checking Accounts

Read Review

MOST COMPARABLE

4.7

GBR Rating

Wells Fargo Everyday Checking Account

Read Review

MOST COMPARABLE

4.8

GBR Rating

Huntington Checking Accounts

Read Review

Fees

$0 to $25, many waivable

$5 to $35 waivable monthly fee

$10 to $25

APY

for Key Select Checking

Up to

N/A

Min Opening

$0 to $50

$25

Fees

Up to $12 monthly service fee – can be waived

$4 to $10

APY

Up to for Platinum Savings accounts

Up to

Min Opening

$10

$25

$50

MOST COMPARABLE

3.0

GBR Rating

KeyBank CD Accounts

Read Review

MOST COMPARABLE

3.3

GBR Rating

Wells Fargo CD Account

Read Review

MOST COMPARABLE

3.3

GBR Rating

Huntington Bank CD Accounts

Read Review

Fees

N/A

Early withdrawal penalty may apply

No monthly service fee

APY

Up to

on 5-month promo CD

Min Opening

$2,500

$2,500 to $5,000

$1,000

Why Choose Axos Bank?

Axos Bank stands out for its generous cash bonuses, competitive banking features and user-friendly online platform. Whether you’re opening a business checking or savings account, these promotions could help you make the most of your money.

However, remember that Axos Bank is fully online, so if a face-to-face banking relationship is important to you, you may want to look elsewhere.

FAQ

If you are considering opening a bank account with Axos Bank, the following answers may be helpful.

How do I qualify for an Axos Bank account bonus?
- To open an account at Axos and qualify for the bonus, you’ll need to make sure the account is currently eligible to receive a bonus during that period. Make sure you meet the requirements.
- For example, the Basic Checking account bonus requires you to open the account with the promo code, NEW400, and to complete the qualifying activities to reach the max $400 bonus. The qualifying activities include adding funds to the account in the first 30 days, having an average balance of at least $25,000 and completing at least 10 debit transactions each month.
Can existing customers qualify for these promotions?
- Typically, promotional offers from banks like Axos are primarily geared toward new accounts. If you’ve had an account at Axos in the last 12 months, you will not be eligible.
What happens if I close my account early?
- Some bank promotions will only offer bonus cash if you complete the activities during the period required. The Basic Business Checking account requires the account to be open for at least 180 days; otherwise, you’ll be charged a $200 fee.
Are there any taxes on bank bonuses?
- Yes. Bank bonuses are usually considered taxable income, so the bank may issue either a 1099-INT or 1099-MISC form, which you’ll need to include when it comes time to file your taxes.

More About Axos Bank

Cynthia Bowman and Sarah Sharkey contributed to the reporting for this article.

Information on promotions is accurate as of Sept. 2, 2025. Additional requirements may apply. Offers and terms are subject to change.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.