You’ll still have to watch for surcharges imposed by the owner of the ATM, but by shopping carefully, you can get an account that will rebate your account for a limited number of ATM owner surcharges each month.
- General Consumer
- Business Owner
- College Student
- No
- Yes
Axos Bank Rewards Checking Account
- Use Promo Code "MAY150" for a $150 bonus!
- Up to 1.25% APY
- Zero monthly maintenance fees
- Zero overdraft or NSF fees
- Zero minimum monthly balance reqs
- Unlimited domestic ATM fee reimbursements
- Zero Minimum Balance Requirement
- Only $50 to open an account
Axos Bank Business Interest Checking
- Earn 1.01% APY*
- New business owners get a $200 welcome bonus with promo code NEWBIZ200. Not a new business? Use promo code NEWAXOSBIZ for a $100 bonus.
- $100 minimum opening deposit
- Pay no monthly maintenance fee with an average daily balance of at least $5,000
- Unlimited domestic ATM fee reimbursements
- Enhanced Visa Debit Card Perks
- ADP Payroll Services – Axos clients receive 1st 4 months free
- Cash Deposit capability via MoneyPass and AllPoint networks
Axos Bank First Checking
- For customers ages 13-17.
- No monthly maintenance fees.
- No overdraft or non-sufficient funds fees.
- Earn 0.10% APY.
- Up to $12 domestic ATM fee reimbursements per month.
Axos Bank Golden Checking
- For customers age 55 and over.
- 0.10% APY on all balances.
- No fees and free personal checks.
- Up to $8 domestic ATM fee reimbursements per month.
- No overdraft or non-sufficient fund fees.
HSBC Premier Checking
- Receive a $500 Welcome Deposit for eligible new customers who open a new HSBC Premier checking account and complete the following qualifying activities.
- Open your new HSBC Premier checking account online, using this offer page, by June 30, 2022.
- Make recurring Qualifying Direct Deposits totaling at least $10,000 per month from a third party to your HSBC Premier checking account(s) for 3 consecutive calendar months from the second full calendar month after account opening.
- You will automatically receive the $500 Welcome Deposit in your new HSBC Premier checking account approximately eight weeks after completing all qualifying activities. It's that simple.
- Features Include:
- Global Banking
- - Free International account opening and portable credit history
- - Access your global HSBC accounts from one place with Global View
- - No fees for Global Transfers between eligible HSBC accounts worldwide
- - Covert, hold and send money abroad with no transfer fees with our Global Money account
- No HSBC Fees
- - No HSBC fees* on everyday banking transactions
- - No HSBC incoming or outgoing wire transfer fees
- - No foreign transaction fees using your Premier debit or credit card
- - No U.S. HSBC ATM fees worldwide
- *A monthly maintenance fee may apply
- Restrictions may apply see offer page for full details.
- Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.
Axos Bank Basic Business Checking
- New business owners get a $200 welcome bonus with promo code NEWBIZ200. Not a new business? Use promo code NEWAXOSBIZ for a $100 bonus.
- ADP Payroll Services – Axos clients receive 1st 4 months free
- Zero monthly maintenance fees
- Unlimited Transactions
- Unlimited domestic ATM fee reimbursements
- $0 Minimum Opening Deposit requirement
- 2 Free Domestic Wires, monthly
- Cash Deposit capability via MoneyPass and AllPoint networks
Axos Bank Essential Checking
- No monthly maintenance fees
- No minimum monthly balance requirements
- Unlimited domestic ATM fee reimbursements
- No overdraft or non-sufficient funds fees
Axos Bank CashBack Checking
- Earn up to 1.00% cash back on transactions that require a signature
- No monthly fees
- Unlimited domestic ATM fee reimbursements
American Express Business Checking

- Earn a $300 deposit when you open American Express Business Checking and do the following:
- (a) Deposit $5,000 within 20 days of opening your account, AND
- (b) Maintain an average account balance of $5,000 for 60 days, AND
- (c) Make 10 or more qualifying transactions within 60 days of opening your account
- 1.1% APY on balances up to $500k. No interest is earned on account balances over $500,000
- No monthly account maintenance fees
- No minimum balance requirement
- With 37,000 MoneyPass® ATMs nationwide, you can enjoy fee-free withdrawals at locations near you
American Express Rewards Checking

- Earn a 0.50% APY, 10X higher than the national rate
- No Monthly Account Fees and No Minimum Balance Requirements
- Earn Membership Rewards® points on Debit Card purchases: Reward your everyday spending and earn 1 Membership Rewards point for each $2 of eligible Debit Card purchases. No cap on how many points you can earn
- Amex Rewards Checking accounts do not currently provide services for wire payments, overdraft protection, or online bill payment
- With 37,000 MoneyPass® ATMs nationwide, you can enjoy fee-free withdrawals at locations near you
- Amex Rewards Checking accounts are subject to a maximum deposit limit of $5,000,000.