Axos Bank vs. Chime
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Axos BankAxos ONE Jan 21, 2026 | ChimeChime High-Yield Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 4.31% | 1.00% - 3.50% |
Est. Earnings | $5,000+$216 $10,000+$431 $25,000+$1,078 | $5,000+$175 $10,000+$350 $25,000+$875 |
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. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppChecking Bundle | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDirect Deposit ReqChecking Bundle |
Looking for Simplicity?
Don't want a checking bundle? We track many high-yield banks that offer competitive rates without checking requirements.
As of Axos Bank offers an APY of 4.31% for its Axos ONE account, with a minimum balance of $0, compared to Chime's 3.50% APY for its Chime High-Yield Savings Account, with a minimum balance of $0.01.
Axos Bank pays $81 more than Chime on a $10,000 balance after one year. Axos Bank pays $431, while Chime pays $350 - 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 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. $1078 vs $875/yr).
Best for Simplicity
Axos BankAxos Bank's Summit Savings offers 3.75% 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 4.8 (vs. 4.5)
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.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Axos Bank offers a competitive Axos ONE savings account with a high APY of 4.31%, available through a checking and savings bundle, although a direct deposit of $1,500 is recommended to maximize earnings. In contrast, Chime's High-Yield Savings Account provides a lower APY of 3.50%, but requires a qualifying direct deposit of $200 or more within the last 34 days. While both banks operate online only, Axos Bank's higher yield makes it the more attractive option for savers looking for better returns.
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. Chime Savings Calculator
You earn $81 more with Axos Bank than Chime 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
Chime
Chime High-Yield Savings Account
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Axos Bank | Chime |
|---|---|---|
| APY | 4.31% Verified: 1/21/2026 ↘︎ 0.20%90d Change | 3.50% Range: 1.00% - 3.50% Verified: 1/21/2026 Stable (90d) |
| 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. | Not required, but is the easiest way to earn the highest APY. | 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 Android4.5 | iOS4.8 Android4.8 |
| Zelle® Support | Not Supported | Not Supported |
| 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 | Visit SiteGo to Axos Bank * Secure link to our partner | Visit SiteVerify at Chime Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Axos Bank | Chime | ||
|---|---|---|---|---|
| Summit Savings | Axos ONE | High Yield Savings | Chime High-Yield Savings Account | |
Current APY | 3.75% | 4.31% | 0.61% | 3.50% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -3.8 | -4.6 | 0.0 | 8.5 |
Days Since Change | 41 | 50 | 355 | 97 |
12-Month High | 4.00% | 4.86% | 0.61% | 3.75% |
12-Month Low | 3.75% | 4.31% | 0.61% | 2.00% |
Adjustments / Mo | 0.08 | 0.34 | 0.00 | 0.17 |
Volatility Score | 0.027 | 0.038 | 0.000 | 0.175 |
How to read these metrics(Click to expand)
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