Axos ONE savings and checking bundle
The Axos ONE® savings and checking bundle lets you earn up to 4.51% APY on your savings and 0.51% on checking once meeting requirements:
- Monthly direct deposits totaling at least $1,500 and an average daily balance of more than $1,500, or
- Monthly deposits of at least $5,000 and an average daily balance of more than $5,000
Axos ONE also offers payday up to two days early, plus zero monthly maintenance fees.
Axos ONE® savings and checking bundle
Axos Bank® is a Member FDIC.
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Annual Percentage Yield (APY)
Axos ONE Checking: 0.00% APY base rate and 0.51% APY promotional rate; Axos ONE Savings: 1.00% APY base rate and 4.51% APY promotional rate
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Minimum balance
None. To earn promotional rates, monthly direct deposits of at least $1,500 and daily balance greater than $1,500
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Monthly fee
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ATM network
Over 95,000 fee-free ATMs
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Overdraft fee
Pros
- Checking and savings combined for seamless banking
- Promotional APYs offered on both checking and savings
- No minimum deposit or balance (besides to earn promotional APY)
- No monthly maintenance, account opening or overdraft fees
- Early payday
- Expanded FDIC insurance
- Over 95,000 fee-free ATMs
- Can link external accounts
Cons
- Online-only bank, which means no in-person access
- Base APYs are low
- Promotional APYs require at least $1,500 in direct deposits and daily balance greater than $1,500
With just a $1,500 balance, that’s $67.65 in interest alone in your savings after one year, and $7.65 in your checking. With a greater balance of $5,000, that becomes $25.50 in your checking and $225.50 in your savings after one year.
SoFi Checking and Savings
When you open a high-yield savings account at SoFi, you automatically get a checking account. With the SoFi Checking and Savings, you can earn up to 4.50% APY for six months: Open by Jan. 31, 2026, and become a SoFi Plus member within 60 days by setting up an eligible direct deposit or enrolling in a $10 per month subscription.
The account also offers a bonus of up to $300 with eligible direct deposits.
- Impressive welcome bonus
- Strong APY with direct deposit
- No minimum balance or deposit needed
- No monthly fees
- Comes with checking account and ATM access
- Receive your paycheck in your account up to 2 days early automatically when you set up direct deposit
- Save change automatically with Roundups and set savings goals with Vaults
- No foreign transaction fees
- FDIC insurance up to $2 million through the SoFi Insured Deposit Program*
- Non-direct deposit APYs are low compared to other high-yield savings accounts
- No reimbursement for out-of-network ATM fees
- No physical branches
What to look for in a bundled bank account
A bundled checking and savings account can maximize your earnings and simplify your finances. When looking at what a bank offers, consider the below features:
- Interest rates: This is obvious, but what rate(s) do the accounts offer and what are the requirements to earn that rate?
- Fees: Are there any fees like monthly maintenance fees? What are the minimum balance or deposit requirements?
- FDIC insurance: Be sure that the accounts you’re looking at are FDIC-insured so that your money is protected.
- Access: How do you access your cash, and are there withdrawal limits?
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