Axos Bank vs. Presidential Bank
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
Presidential Bank
Advantage Savings
Up to4.00%APYDec 6, 2025FDIC InsuredMod. MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppIn-Person AccessRange: 3.50% – 4.00%Show Fine Print & Trends Hide Details
Presidential Bank
Advantage Savings
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
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 4.00%) on all balances
- ✓Higher rated Android app (4.6 vs 4.1)
- ✓Offers 2 different high-yield savings options
Why Presidential Bank?
- ✓Physical branch access (10 locations in Maryland, Virginia and Washington D.C.)
— Key Feature Differences —
Better Returns at $10,000
Axos BankAxos Bank's Axos ONE earns more on smaller deposits (approx. $431 vs $400/yr).
Better Returns at $25,000
Axos BankAxos Bank's Axos ONE pulls ahead with larger amounts (approx. $1077 vs $1000/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.
Shared Benefits
Over a 1-year period, Axos Bank's Axos ONE pays $31 more interest on a $10,000 balance than Presidential Bank's Advantage Savings.
Executive Summary
Axos Bank offers a competitive savings option with its Axos ONE account, providing a high APY of 4.31% when bundled with a checking account, which requires a direct deposit of $1,500 or maintaining a balance of $5,000. Alternatively, the Summit Savings account offers a slightly lower APY of 4.00% without any bundling or direct deposit requirements, making it a simple choice for savers. In contrast, Presidential Bank's Advantage Savings account offers a lower APY of 4.00% but requires a monthly direct deposit of $500 into an Advantage Checking Account and has a minimum deposit requirement of $5,000. Overall, Axos Bank's Axos ONE stands out as the more attractive option.
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
See who beats both Axos Bank and Presidential Bank.
| Feature | Axos Bank | Presidential Bank |
|---|---|---|
| APY | 4.31% Verified: 12/6/2025 ↘︎ 0.15%90d Change | 4.00% Range: 3.50% - 4.00% Verified: 12/6/2025 ↘︎ 0.50%90d Change |
| Product Name | Axos ONE | Advantage Savings |
| Minimum Deposit | $0 | $5,000 |
| Min. Balance for APY | $0 | N/A |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | RequiredTo earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. |
| Checking Bundle | Yes | Yes |
| Mobile Apps | iOS4.7 Android4.6 | iOS4.8 Android4.1 |
| 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 $201.2 more than Presidential Bank.
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
Sponsored Link
Presidential Bank
Advantage Savings
Savings Breakdown
- Interest Earned+$2,434.70(11.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,434.70
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 | Presidential Bank | ||
|---|---|---|---|---|
| High Yield Savings | Summit Savings | Axos ONE | Advantage Savings | |
Current APY | 0.61% | 4.00% | 4.31% | 4.00% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | 0.0 | -4.1 | -2.0 |
Days Since Change | 332 | 159 | 4 | 15 |
12-Month High | 0.61% | 4.00% | 4.86% | 4.50% |
12-Month Low | 0.61% | 4.00% | 4.31% | 4.00% |
Adjustments / Mo | 0.00 | 0.00 | 0.34 | 0.17 |
Volatility Score | 0.000 | 0.000 | 0.033 | 0.030 |
How to read these metrics(Click to expand)
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