Training Example: Axos Bank – Review the Data, Give Your Score & Compare to the Real AI Evaluation

[H1] Axos ONE®
[H2] Your money deserves 4.21% APY.*
Reach your financial goals faster. Axos ONE® Checking + Savings helps you get there.Get Axos ONEBest Checking Account OverallThe AscentAmerica's Best Online BankMyBankTrackerBest Online Bank for Savings & CheckingMillennial Money
[H2] Get up to 4.21% APY* with Axos ONE®
Early paydays,1 high APYs on your checking and savings, and no monthly maintenance fees — all bundled into one. Start Earning More
[H2] Know When Mortgage Rates Drop
Trying to time your mortgage? Sign up for Rate Watch. Get email alerts when rates drop. It’s quick, easy, and free.Check Your Rates Now
[H2] One App for All Your Money Needs
Get the Axos app for smart business and personal finance. It's the sleeker, faster way to bank, borrow, invest, and plan.
[H2] Always Protected, Always Secure
Advanced data protection. FDIC insurance. Digital security tools. We’re committed to providing a secure online banking experience for our customers.Find Out MoreVery short wait after put on hold. Great security checks [to confirm my identity]. Great assistance in reactivation my dormant account. And great help in establishing and navigating your website. Thank you for all the help that I needed.Hepolito F.Excellent customer service, good mobile app experience (especially impressed with mobile deposit), good website experience, understandable services and setup.Dana L.Very friendly… Willing to answer all my questions in a timely manner. I felt like [the customer service rep] was actually there to assist me, and [I wasn’t] just a job for her! Thank you. Donna E.
[H2] Your deposits are protected with FDIC insurance up to $250K.
Or up to $500K with a joint account. Need more coverage? Access up to $265MM with Axos Bank InsureGuard+ Savings through IntraFi® Network Deposits℠.Learn More
[H2] Start Banking Effortlessly
[H2] Invite Friends
Help a friend bank smarter with little to no fees, high savings rates, and a simple banking app to fit their busy lifestyle.Learn More
[H2] Automate Your Bills
Never miss a bill payment again. With Bill Pay, you can truly “set it and forget it” by making automatic payments.Learn More
[H2] Send Money to Friends
Pay your friends directly from your account. All you need is their mobile number or email. It’s fast, easy, and secure.Learn More
[H2] Account Alerts
Want to stay up-to-date on your activity? We’ve got you covered. Get real-time updates via text, push notifications, or email – it’s all up to you!Learn More
[H2] Biometric Authentication
Fingerprints, voiceprints, and facial recognition = peace of mind. Boost your account security with biometric authentication – and keep the scammers away.Learn More
[H2] Debit Card Management
Need a replacement card? Traveling soon? Not a problem – take care of all your debit card needs online. Learn More

[H1] Small Business Banking
[H2] Your business banking, reimagined.
Experience a business bank account that moves at the speed of business with fewer fees, competitive rates, transparent pricing, and digital-first solutions designed to accelerate your success.Open My AccountAmong the Best Business Checking AccountsForbes AdvisorOne of the Best Banks for Small BusinessNerdwalletOne of the Best Business Bank Accounts for Sole ProprietorshipsForbes Advisor
[H2] Select your offer and get started.
[H2] Checking: Up to $2001
For newly formed business who are just getting started.Basic Business Checking
[H2] Bundle: Up to $6002
For growing businesses seeking seamless, cost-efficient digital banking.Axos Business Bundle
[H2] Explore Our Best Business Bank Accounts and Services
Forget about waiting in line at a branch. Get started now on your path to financial success with our digital accounts. Whether it’s checking accounts with low fees or savings accounts to grow your reserves, our business bank accounts make it easy – allowing you to put time and money back into your business.
[H2] Basic BusinessChecking
No monthly maintenance fees. Free domestic incoming wires.Explore Checking
[H2] Business Premium Savings
High-yield savings to grow your money faster. No monthly maintenance fees.Explore Savings
[H2] Expanded FDICInsurance
Access FDIC insurance up to $265 million through a single bank relationship.Expanded FDIC
[H2] Solutions for today. Growth for the future.
Our mission is to make your banking experience easier so you can focus on what matters most – your business. Choose from our variety of business bank accounts and determine which is the best fit for your needs.
[H2] Checking
With low fees, easy access, and the ability to earn interest, our business checking accounts are designed to save you time and money.View Checking
[H2] Savings
A business savings account can grow your money and keep you prepared for financial emergencies.View Savings
[H2] Ready for business banking made for you?
With user-friendly tools and features, managing your new business is a breeze. We're here to make sure your banking works as hard as you do. Plus, earn up to $200.1Find Out More
[H2] Reach your financial goals faster with our digital tools.
We provide a variety of business banking services to move your small business forward.
[H2] SBA Loans
Achieve your goals with a business loan.Get Started
[H2] Merchant Services
Easy payment processing for your customers.Get Started
[H2] Payroll Services
Complete your payroll quickly and easily.Get Started
[H2] Treasury Management
Security through fraud and risk management solutions. Get Started
[H2] Insured Cash Sweep
Access expanded FDIC insurance through a single-bank relationship. View Expanded Coverage
[H2] Your one-stop shop for managing finances.
Easier, smarter banking starts with the Axos All-In-One Mobile App.View your business and personal bank accounts.Send wire transfers and schedule bill payments.Keep your accounts safe with enhanced security measures.Easily move money between accounts.Balance your books with accounting software integration.
[H2] Let’s Talk Business
Need a helping hand? Forget the phone tree. Call 844-678-‍2726 to speak to an actual person today and get customized solutions for your business. Talk with a business banking representative Monday-Friday, 6 a.m. to 6 p.m. PT, excluding federal holidays. Call Us
[H2] Small Business Banking Frequently Asked Questions
[H3] What is a business bank account?
A business bank account is designed to conduct business transactions, keeping them separate from your personal finances. You can make and receive payments in your businesses’ name instead of your name.Read about business bank accounts
[H3] What type of bank account do I need for my small business?
Types of business bank accounts include checking, savings, certificate of deposit (CD), and money market. Research the features of each type of account to determine what is the best fit for you.Read about types of accounts
[H3] What is small business banking?
Small business banking is financial services tailored to small or medium-sized businesses. This can include business checking and savings accounts, merchant services, and treasury management. These services are designed for lower transaction volume and more personalized customer service.Read about having multiple business accounts
[H3] How much money should a small business have in the bank?
Generally, a small business owner should have three to six months of expenses saved. This amount should keep you financially protected in the case of an emergency.Read about starting your account
[H3] What do I need to open a business bank account?
You’ll need the appropriate documentation, including Employer Identification Number (EIN), Social Security Number (if you’re a sole proprietor), ownership agreement, business license, and articles of incorporation/organization. Requirements can differ depending on the type of business you have.
[H3] Can I open a business account with EIN only?
No. You will likely need to provide other business documents and information.
[H3] Is an Axos business bank account FDIC insured?
Yes, your Axos business bank account is insured by the federal government up to $250,000 for individual accounts and up to $500,000 for joint accounts. You can get expanded FDIC coverage up to $265 million with Axos Bank InsureGuard+ Savings from IntraFi® Network DepositsSM. Read about FDIC coverage

[H2] Online Banking
Manage your money with ease! Axos Bank's online banking platform provides the tools you need to stay on top of your finances.
[H2] Manage Your Money Easier
[H2] Automate Your Bills
Never miss a bill payment again. With Bill Pay, you can truly “set it and forget it” by auto-paying bills directly from your account.
[H2] Online Wire Transfers
Skip the bank line and send money fast with online wire transfers.
[H2] Virtual Financial Assistant
Got banking questions? Evo has answers! Evo is your virtual bank teller that’s here to meet your banking needs, 24/7. Simply log in and ask away.
[H2] iOS shortcuts
Take the easy way into the app. iOS users use our app to quickly deposit a check, move money, or pay bills.
[H2] ClickSWITCH
Need to switch banks? Use ClickSWITCH to transfer direct deposit payments to Axos in 3 simple steps.
[H2] Do More With Online Banking
[H2] Remote Deposit
No more trips to the bank: with remote check deposit, you can deposit funds from the comfort of your home.
[H2] Peer-to-Peer Payments
Pay your friends directly from your account. All you need is their mobile number or email. It’s fast, easy, and secure.
[H2] Invite Friends
Help a friend bank smarter with little to no fees, high savings rates, and a simple banking app to fit their busy lifestyle. Plus, when your friend meets our welcome bonus requirements, we’ll deposit $50 into your account – and theirs!
[H2] Direct Deposit Express
Get paid up to two days early when you set up direct deposit with your Essential Checking account.
[H2] Personal Finance Manager
Sync all your external accounts and manage them in one secure place.
[H2] Bank Safely
[H2] Debit Card Management
Activate, deactivate, or reactivate your debit card – all from your banking dashboard. Need a replacement card? Traveling soon? Not a problem – take care of all your debit card needs online.
[H2] Biometric Authentication
Fingerprints, voiceprints, and facial recognition = peace of mind. At Axos Bank, your security is our top concern. Boost your account security with biometric authentication – and keep the scammers away.
[H2] Dispute Transactions
See a transaction you don't recognize? Flag it directly in online banking and we'll assist you.
[H2] Account Alerts
Want to stay up-to-date on your activity? We’ve got you covered. Turn on alerts and get real-time updates on your account activity. Get notified via text, push notifications, or email – it’s all up to you!
[H2] FDIC Insurance
Your accounts are fully insured for up to $250,000 per depositor.
[H2] Digital tools at your fingertips.
Easier, smarter banking starts with the Axos all-in-one mobile app. Sync all financial accounts into one dashboard.Analyze your saving and spending behavior.Chat 24/7 with a virtual financial assistant.Add, move, and send money to friends and others.Automate your bill payments.Monitor your credit score for free.
[H2] You have questions - we have answers
[H3] What ATM'S can I use?
A: You can use any ATM nationwide. However, reimbursement of the ATM fees depends on the type of account you have. For a list of ATM locations, use our ATM Locator.Compare the benefits of our various checking accounts and find out more about ATM fee reimbursements.
[H3] How do I deposit cash?
A: Through Axos Bank's partnership with Green Dot Network®, you can deposit cash into your account at nearly 100,000 of America's largest and most respected retailers including 7-Eleven, ACE Cash Express, CVS, Dollar General, Kroger, Rite Aid, Safeway, Walgreens, and Walmart.Ask the cashier to add cash directly to your Axos Bank debit card at the register. Axos Bank does not charge a fee, but retailers may charge up to $4.95 per transaction. You can reload any amount from $20 to $500 (up to $1,000 at participating Walmart locations and up to $1,500 at participating ACE Cash Express locations), and funds are typically available for use on your card within 10 minutes. Visit AtTheRegister.com/locations to find a participating location near you.ATM deposits are available at deposit taking ATM's which can be found using our ATM Locator.
[H3] How can I withdraw funds from my Savings Account?
A: Axos Bank savings accounts such as our High Yield Savings Account are true savings accounts that do not have the range of options to move money like a checking account. The options to withdraw funds from your savings account are:Use your debit/ATM card at any ATM.Log in to online banking to initiate a wire transfer.Initiate a transfer of money to another financial institution.
[H3] How do I get a new or replacement bank card?
Log in to your online banking account and select the Accounts tab.Select the account that corresponds with your debit/ATM card.Underneath Debit Card, select the Request Replacement Card link.
[H3] How do I perform a wire transfer?
Log in to your online banking account and select the Move Money tab.Select the Wire Transfer tab and complete the instructions.
[H3] What mortgages do you offer?
A: We offer a wide range of mortgage products to meet your needs. Find out more.
[H3] What are the up-front costs involved in buying a home?
A: There are two up-front costs that the buyer is responsible for when buying a home. First, there is earnest money, a nominal, good-faith deposit that shows you are serious about buying the home. It usually ranges from $500 to $2,000. Second, there is the down payment, which is a percentage of the cost of the home. The amount of the down payment depends on which type of loan you are using to purchase the home.
[H3] What should my down payment be?
A: The larger your down payment, the lower your monthly mortgage payment. However, your monthly payment will also depend on your credit history and the type of mortgage you choose. A standard down payment is 20%, but depending on the type of loan, the down payment can be anywhere from 0% (e.g., a VA Loan) to 3.5% (e.g., an FHA Loan) to 10% or more.
[H3] What are the minimum requirements for a personal loan?
A: Some of our minimum requirements* for a Personal Loan include:Credit score of 700 or greaterVerifiable incomeLoan amount between $5,000 and $35,0002 years of well-established credit history*Credit is subject to approval and all approvals are subject to underwriting guidelines.
[H3] How do I apply for an auto loan refinance?
A: Fill out our online application. It takes only a few minutes to complete.
[H3] How long does it take to be approved for an auto loan refinance?
A: It’s quick. You’ll receive a decision in less than 24 hours.
[H3] What are the basic loan and vehicle requirements?
A: The minimum credit score to qualify is 680, and the amount financed (your payoff) must be between $10,000 and $90,000. In addition, you must be current on your existing auto loan and, if applicable, your mortgage.Your existing loan can’t be with us, and your existing lender must be FDIC or NCUA insured. Most banks, credit unions, and larger auto finance companies meet this requirement.We will finance new and used personal-use cars, minivans, SUVs, and light trucks. Your vehicle must have less than 125,000 miles and be valued between $8,500 and $90,000 KBB retail.We don’t refinance Daewoo, Saab, Oldsmobile, Suzuki, or Isuzu vehicles; commercial vehicles; recreational vehicles (RVs); ATVs; motorcycles; boats; motor homes; camper vans; branded title vehicles; lemon vehicles; or vehicles without a Vehicle Identification Number (VIN) or title issued. At our discretion, we may determine a vehicle to be commercial or otherwise ineligible based on the model and/or information provided to us.

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