Axos Bank vs. Presidential Bank
Comparing Axos Bank and Presidential Bank for high-yield savings: Axos Bank's Axos ONE pays 4.21% APY while Presidential Bank's Advantage Savings pays 3.75% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Axos Bank pays $46 more than Presidential Bank annually ($421 vs $375).
Choose Axos Bank if getting the best rate matters most. Choose Presidential Bank if you value in-person banking, or you want Zelle for quick transfers.
Important Considerations
Both banks require a checking account to access their highest savings rates.
| Metric | Axos BankAxos ONE Mar 7, 2026 | Presidential BankAdvantage Savings Mar 7, 2026 |
|---|---|---|
| APY | 4.21% | 3.25% - 3.75% |
Est. Earnings | $5,000+$211 $10,000+$421 $25,000+$1,053 | $5,000+$188 $10,000+$375 $25,000+$938 |
Min Deposit | $0 | $5,000 |
Snapshot view. Rates subject to change. | ||
Terms | The 4.21% 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 BundleDaily CompoundingRate Changes Often | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedDirect Deposit ReqChecking BundleRate Changes Often |
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. Presidential Bank
Executive Summary
Axos Bank offers a competitive savings option with its Axos ONE product, yielding a high APY of 4.21% when bundled with a checking account, which requires a direct deposit of $1,500 or qualifying monthly deposits of $5,000. In contrast, Presidential Bank's Advantage Savings account provides a lower APY of 3.75%, but it necessitates a monthly direct deposit of $500 into an Advantage Checking Account and has a minimum deposit requirement of $5,000. Axos Bank's Summit Savings, while offering a simpler option with a 3.75% APY and no direct deposit requirement, does not surpass the Axos ONE's yield.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Axos Bank?
- ✓Earn 0.51% APY on checking account
- ✓Access to 95,000 fee-free ATMs
- ✓Higher potential APY (3.75%-4.21% vs 3.75%) on all balances
- ✓Higher rated Android app (4.6 vs 4.2)
- ✓Offers 2 different high-yield savings options
Why Presidential Bank?
- ✓Physical branch access (10 locations in Maryland, Virginia and Washington D.C.)
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Better Returns at $10,000
Axos BankAxos Bank's Axos ONE earns more on smaller deposits (approx. $421 vs $375/yr).
Better Returns at $25,000
Axos BankAxos Bank's Axos ONE pulls ahead with larger amounts (approx. $1053 vs $938/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.
Shared Benefits
Over a 1-year period, Axos Bank's Axos ONE pays $46 more interest on a $10,000 balance than Presidential Bank's Advantage Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
* Secure link to our partner
Non-sponsored link to official site
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Axos Bank vs. Presidential Bank Savings Calculator
You earn $46 more with Axos Bank than Presidential 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+$421.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,421.00
Presidential Bank
Advantage Savings
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $374 per year in interest.
Both Axos Bank and Presidential Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Axos Bank | Presidential Bank |
|---|---|---|
| APY | 4.21% Verified: 3/7/2026 ↘︎ 0.10%90d Change | 3.75% Range: 3.25% - 3.75% Verified: 3/7/2026 ↘︎ 0.25%90d Change |
| Product Name | Axos ONE | Advantage Savings |
| Minimum Deposit | $0 | $5,000 |
| Min. Balance for APY | $0 | N/A |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Monthly |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Physical Branches | None | 10 locations in Maryland, Virginia and Washington D.C. |
| Direct Deposit Req. | Not required, but is the easiest way to earn the highest APY. | RequiredTo earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. |
| Checking Bundle | Yes | Yes |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Available Native integration; Advantage Savings supports Zelle. |
| BBB Rating | A+ | A- |
| Important Notes | The 4.21% 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 Presidential Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Axos Bank | Presidential Bank | ||
|---|---|---|---|---|
| Summit Savings | Axos ONE | High Yield Savings | Advantage Savings | |
Current APY | 3.75% | 4.21% | 0.61% | 3.75% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -4.2 | -4.7 | 0.0 | -7.8 |
Days Since Change | 86 | 35 | 365 | 80 |
12-Month High | 4.00% | 4.86% | 0.61% | 4.50% |
12-Month Low | 3.75% | 4.21% | 0.61% | 3.75% |
Adjustments / Mo | 0.08 | 0.41 | 0.00 | 0.25 |
Volatility Score | 0.031 | 0.040 | 0.000 | 0.079 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Axos Bank's APY of 4.21% with other banks
Compare Presidential Bank's APY of 3.75% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Presidential Bank vs Ally Bank | 3.20% | $0 |
| Presidential Bank vs American Express | 3.30% | $0 |
| Presidential Bank vs Bank of America | 0.01% | $100 |
| Presidential Bank vs Barclays | 3.85% | $0 |
| Presidential Bank vs Capital One | 3.30% | $0 |
| Presidential Bank vs Chase Bank | 0.01% | $0 |
| Presidential Bank vs Chime | 3.00% | $0 |
| Presidential Bank vs CIT Bank | 3.75% | $100 |
| Presidential Bank vs Citibank | 3.20% | $0 |
| Presidential Bank vs Discover Bank | 3.30% | $0 |
| Presidential Bank vs EverBank | 3.90% | $0 |
| Presidential Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Presidential Bank vs Newtek Bank | 4.20% | $0.01 |
| Presidential Bank vs Openbank | 4.09% | $500 |
| Presidential Bank vs Pibank | 4.60% | $0 |
| Presidential Bank vs SoFi Bank | 4.00% | $0 |
| Presidential Bank vs Synchrony Bank | 3.50% | $0 |
| Presidential Bank vs Varo Bank | 5.00% | $0 |
| Presidential Bank vs Wealthfront | 4.20% | $0 |
| Presidential Bank vs Wells Fargo | 0.05% | $25 |