Axos Bank vs. Chase Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Axos BankAxos ONE Jan 21, 2026 | Chase BankChase Savings℠ Jan 21, 2026 |
|---|---|---|
| APY | 4.31% | 0.01% |
Est. Earnings | $5,000+$216 $10,000+$431 $25,000+$1,078 | $5,000+$1 $10,000+$1 $25,000+$3 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | The 4.31% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppChecking Bundle | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Comparison Analysis
Comparing Axos Bank vs. Chase Bank
As of Axos Bank offers an APY of 4.31% for its Axos ONE account, with a minimum balance of $0, compared to Chase Bank's 0.01% APY for its Chase Savings℠ account, with a minimum balance of $0.
Axos Bank pays $430 more than Chase Bank on a $10,000 balance after one year. Axos Bank pays $431, while Chase Bank pays $1 - an APY advantage for Axos Bank.
In addition, Axos Bank also offers 3.75% APY for the Summit Savings account, with a minimum balance of $0.
Why Axos Bank?
- ✓Earn 0.51% APY on checking account
- ✓Access to 95,000 fee-free ATMs
- ✓Higher potential APY (3.75%-4.31% vs 0.01%) on all balances
- ✓Offers 2 different high-yield savings options
Why Chase Bank?
- ✓Fast transfers via Zelle® (up to $2,000 a day)
— Key Feature Differences —
Better Returns at $10,000
Axos BankAxos Bank's Axos ONE earns more on smaller deposits (approx. $431 vs $1/yr).
Better Returns at $25,000
Axos BankAxos Bank's Axos ONE pulls ahead with larger amounts (approx. $1078 vs $3/yr).
Best for Simplicity
Axos BankAxos Bank's Summit Savings offers 3.75% APY with no bundling, direct deposit requirement or caps.
Best for All-in-One Banking
Axos BankAxos Bank's Axos ONE pays a superior APY for customers who also open a checking account.
Best Mobile App Experience
Chase BankChase Bank offers an iOS app rated 4.8 (vs. 4.7) and Android app rated 4.7 (vs. 4.5)
Shared Benefits
Over a 1-year period, Axos Bank's Axos ONE pays $430 more interest on a $10,000 balance than Chase Bank's Chase Savings℠.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Axos Bank offers a superior savings option with its Axos ONE account, featuring a competitive APY of 4.31%, available through a savings and checking bundle. This account does not require direct deposit, though it is the easiest way to achieve the highest APY. In contrast, Chase Bank's savings account provides a minimal APY of 0.01% and charges a maintenance fee of $5, which can be waived under certain conditions. While Chase excels in mobile app experience, the stark difference in APY makes Axos Bank the more attractive choice for savers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Axos Bank vs. Chase Bank Savings Calculator
You earn $430 more with Axos Bank than Chase Bank on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Axos Bank
Axos ONE
Savings Breakdown
- Interest Earned+$431.00(4.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,431.00
Chase Bank
Chase Savings℠
Savings Breakdown
- Interest Earned+$1.00(0.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,001.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Axos Bank | Chase Bank |
|---|---|---|
| APY | 4.31% Verified: 1/21/2026 ↘︎ 0.20%90d Change | 0.01% Verified: 1/21/2026 Stable (90d) |
| Product Name | Axos ONE | Chase Savings℠ |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $5 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | Not required, but is the easiest way to earn the highest APY. | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS4.7 Android4.5 | iOS4.8 Android4.7 |
| Zelle® Support | Not Supported | Available Limit: $2,000/dayBranded as Chase QuickPay; dynamic limits up to $10k. |
| BBB Rating | A+ | A- |
| Important Notes | The 4.31% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. |
| Next Steps | Visit SiteGo to Axos Bank * Secure link to our partner | Visit SiteVerify at Chase Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Axos Bank | Chase Bank | ||
|---|---|---|---|---|
| Summit Savings | Axos ONE | High Yield Savings | Chase Savings℠ | |
Current APY | 3.75% | 4.31% | 0.61% | 0.01% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -3.8 | -4.6 | -0.0 | 0.0 |
Days Since Change | 41 | 50 | 357 | 357 |
12-Month High | 4.00% | 4.86% | 0.61% | 0.01% |
12-Month Low | 3.75% | 4.31% | 0.61% | 0.01% |
Adjustments / Mo | 0.08 | 0.34 | 0.00 | 0.00 |
Volatility Score | 0.027 | 0.038 | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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