Axos Bank vs. Chime
Compare rates, requirements, and features side-by-side to find the best option for you.
Axos Bank
Axos ONE
4.31%APYDec 6, 2025FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Axos Bank
Axos ONE
Chime
Chime High-Yield Savings Account
Up to3.50%APYDec 6, 2025FDIC InsuredDirect Deposit ReqChecking BundleNo MinimumsGreat iOS AppGreat Android AppRange: 1.00% – 3.50%Show Fine Print & Trends Hide Details
Chime
Chime High-Yield Savings Account
Looking for Simplicity?
Don't want a checking bundle? We track many high-yield banks that offer competitive rates without checking requirements.
Comparison Analysis
Comparing Axos Bank vs. Chime
Why Axos Bank?
- ✓Earn 0.51% APY on checking account
- ✓Access to 95,000 fee-free ATMs
- ✓Higher potential APY (4.00%-4.31% vs 3.50%) on all balances
- ✓Offers 2 different high-yield savings options
Why Chime?
No distinct advantages found vs Axos Bank.
— Key Feature Differences —
Better Returns at $10,000
Axos BankAxos Bank's Axos ONE earns more on smaller deposits (approx. $431 vs $350/yr).
Better Returns at $25,000
Axos BankAxos Bank's Axos ONE pulls ahead with larger amounts (approx. $1077 vs $875/yr).
Best for Simplicity
Axos BankAxos Bank's Summit Savings offers 4.00% APY with no bundling, direct deposit requirement or caps.
Requires Banking Relationship
Both banks require a checking account bundle and qualifying requirements to access their highest rates.
Best Mobile App Experience
ChimeChime offers an iOS app rated 4.8 (vs. 4.7) and Android app rated 4.7 (vs. 4.6)
Shared Benefits
Over a 1-year period, Axos Bank's Axos ONE pays $81 more interest on a $10,000 balance than Chime's Chime High-Yield Savings Account.
Executive Summary
Axos Bank offers a competitive Axos ONE savings account with a notable APY of 4.31%, available through a checking and savings bundle, which requires either a direct deposit of $1,500 or monthly qualifying deposits of $5,000. Alternatively, their Summit Savings account provides a simpler option with a 4.00% APY and no direct deposit requirement. In comparison, Chime's High-Yield Savings Account has a lower APY of 3.50%, but it mandates a qualifying direct deposit of $200 within the last 34 days. Overall, Axos Bank's Axos ONE stands out as the more lucrative choice.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
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| Feature | Axos Bank | Chime |
|---|---|---|
| APY | 4.31% Verified: 12/6/2025 ↘︎ 0.15%90d Change | 3.50% Range: 1.00% - 3.50% Verified: 12/6/2025 ↘︎ 0.25%90d Change |
| Product Name | Axos ONE | Chime High-Yield Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | RequiredYou need to receive a qualifying direct deposit of $200 or more within the preceding 34 days |
| Checking Bundle | Yes | Yes |
| Mobile Apps | iOS4.7 Android4.6 | iOS4.8 Android4.7 |
| 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. | - |
| Next Steps | SponsoredOpen Account |
Savings Comparison
Axos Bank earns $521.8 more than Chime.
Axos Bank
Axos ONE
Savings Breakdown
- Interest Earned+$2,635.90(12.8%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,635.90
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Chime
Chime High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,114.10(10.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,114.10
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Axos Bank | Chime | ||
|---|---|---|---|---|
| High Yield Savings | Summit Savings | Axos ONE | Chime High-Yield Savings Account | |
Current APY | 0.61% | 4.00% | 4.31% | 3.50% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -0.0 | 0.0 | -4.2 | 12.3 |
Days Since Change | 309 | 159 | 4 | 51 |
10-Month High | 0.61% | 4.00% | 4.86% | 3.75% |
10-Month Low | 0.61% | 4.00% | 4.31% | 2.00% |
Adjustments / Mo | 0.00 | 0.00 | 0.39 | 0.19 |
Volatility Score | 0.000 | 0.000 | 0.031 | 0.193 |
How to read these metrics(Click to expand)
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