Axos Bank is a digital bank that offers a comprehensive range of Personal & Business banking products and services. Experience Axos Bank - Banking Evolved.
Written by the business, not verified by us.Axos Bank (axosbank.com) has a 4.4 out of 5 rating on OK.one, based on 100 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 87% of reviews are 4 stars or higher and 11% are 1 star; The business has replied to 100% of negative reviews; Reviews mostly discuss Customer service, User experience. Last updated 2026-08-11.
Reviewers overwhelmingly had a great experience with this company. Customers frequently praise the helpful staff and dedicated representatives for being exceptionally kind, patient, professional, and genuinely knowledgeable during all phone interactions. Reviewers note that customer service agents consistently go above and beyond to provide clear guidance and successfully resolve complex account issues smoothly. However, some customers also noted frustrating challenges regarding unusually slow fund transfer times and extended, unexpected holds placed on deposited checks. People additionally mentioned difficulties trying to navigate automated phone systems, reaching a live person, and experiencing communication barriers with certain support staff.
Auto-generated from all reviews of this business. For reference only.Kelly was personable, professional, helpful, and a delight to speak with.
Hi Richard, We're delighted to hear that Kelly provided such friendly, professional, and attentive service. We'll be sure to share your kind words and recognition with Kelly and her team. Thank you for being part of Axos, and we look forward to continuing to support your financial needs!
Axos is relatively easy to establish an account and provide external accounts for easy access.
Hi Charlie, we're glad to hear your experience getting started with us has been a positive one. Our goal is to provide a smooth and convenient banking experience, and it's great to know you're off to a strong start. Welcome to Axos! We appreciate your review and look forward to continuing to support your financial needs.
Customer service agent I spoke helped me immediately and solved my issue flawlessly
Hi Jacob, we're delighted to hear our team was able to provide prompt support and quickly resolve your concerns. We'll be sure to share your kind words with the associate who assisted you. We truly value your business and appreciate the opportunity to serve your banking needs.
My mother had a small account with them. She had me and my brother as beneficiaries. When she died, they required sooooo much in order to collect. Certified letters with notary signatures etc. I ended up sending them everything twice. I took more time and energy for a couple of thousands dollars, then all my mothers accounts combined. I kid you not. Now I keep getting emails about the account that should be closed. You can't reach anyone by phone . My moms broker emailed them and they said they would call me. I got an email a couple of days later telling me they gave me their condolences and told me to send in all the paperwork etc that I described above. I already got a check from them. They don't even know this? Beware.
Hi Judith, first and foremost, please accept our sincerest condolences on the loss of your mother. We understand that handling financial matters after the passing of a loved one is already difficult, and we're truly sorry to hear that this process added frustration and stress during such a challenging time. We regret that obtaining the funds required repeated document submissions and that your experience left you feeling unsupported. While certain documents, including notarized and certified forms, are required to help protect beneficiaries and ensure funds are disbursed securely, we understand how overwhelming these requirements can feel, especially when dealing with a loss. We are also sorry for the confusion surrounding the communications you've continued to receive after receiving your check. We maintain records of customer interactions and account activity, and if communications are still being sent, there may be an outstanding matter that requires review. We appreciate you bringing this to our attention. Your feedback has been escalated to management so your situation can be reviewed more closely, including the communication concerns you described. Thank you for taking the time to share your experience. Again, we extend our heartfelt condolences to you and your family during this difficult time.
I had an outstanding experience with the customer service tech David. He was professional, patient, and genuinely helpful from start to finish. He took the time to answer all of my questions, explained everything clearly, and made the entire process smooth and stress-free. It's refreshing to receive such excellent service these days. Thank you for going above and beyond—I truly appreciate it and Recommend AXOS Bank for your Business accounts!
Hi Rosie, We're so glad to hear your experience got off to such a positive start. Providing knowledgeable and reliable support is important to us, and it's wonderful to know David helped make the process a smooth one. We'll make sure your kind words are shared with him. Thank you for your recommendation and for choosing Axos. We're excited to support you and your business every step of the way!
It would’ve been nice to get the email link to the details off the website even in the email where this survey was given to me, but that’s OK. Otherwise the customer representative did a good job.
Thank you for taking the time to share your experience, Jeffrey. We're especially grateful for your recognition of our representative and are pleased to hear they provided the support you needed. We'll be sure to share your kind words with the team. We also appreciate your feedback on the overall experience, as it helps us identify opportunities to improve. Thank you for banking with us, and we look forward to continuing to serve you.
Hi Beverly, We're pleased to hear your issue was resolved and that our team was able to assist you. Thank you for taking the time to leave a review, and welcome to Axos! We look forward to supporting you on your financial journey.
Rudy helped me immensely to re-order checks for a new address. I feel confident i will receive the checks. I had attempted to order 2 times before but never received them.
Hi Vickie, We're glad Rudy was able to assist with your check order and help provide confidence that everything is now on the right track. We'll be sure to share your kind words with him and his leadership team. We're also sorry for the frustration caused by the earlier check orders that didn't arrive as expected. As a long-time customer, your trust and continued support mean a great deal to us, and we truly value your business. If you have any difficulty receiving your checks or need any additional assistance, please reach out to us at [email protected] and we'll be happy to help you directly. Thank you again for your feedback and for being a valued member of the Axos family.
Very disappointed in Axos. Axos acquired my previous bank (Jenius) earlier in 2026. Communication was issued that rate would remain the same. However, just a few months in, the rate dropped from 4.05 to 3.75 which was significant. Also, there was no communication on this change at all. I happened to find the change when looking up some info on my account but otherwise may not have noticed it. In speaking with their customer rep (who was very nice), I was told that the change in rate was strictly a management decision and not due to any fed policy change and that there was no language in the T&C to disclose any rate changes to customers. They did offer to raise the rate to 3.85 so seems there is some level of negotiating permitted on a per customer basis. None of this makes them trustworthy. BEWARE
Hi Apodaca, We're sorry to hear about your experience and appreciate you taking the time to share your feedback. We understand how concerning unexpected changes can be, especially following a transition from a previous financial institution. During the acquisition process, communications and disclosures provided to customers noted that account rates are variable and may change at any time without prior notice. This information is also outlined in the account disclosures available on our website as part of our commitment to transparency. We strive to keep our rates competitive while offering a variety of products to meet different financial needs. Because these acquired accounts do not have the same qualification requirements as some of our other products, such as the Axos ONE® bundle, rates were adjusted to better align with comparable savings offerings. We also encourage customers to explore our full suite of products to help maximize the value of their banking relationship. In some cases, account-specific reviews may be available, as we value each of our customers and their unique circumstances. If you have any remaining questions or concerns, please contact us at [email protected]. We'd be happy to review your situation in more detail and discuss the options available to help you make the most of your banking experience with Axos.
For starters the amount of effort, time and energy to get my board onto this account was ridiculous. It literally took months. Trying to get a "live person" to speak to is also annoying and lengthy. They removed our accountants access to view the account and did this to the majority of their customers and when I asked when will this be fixed they said they don't know. What kind of operation are they running when they take away a crucial element for an HOA to have our accountant view our account to create reports and do our accounting needs?
Hi customer, We’re very sorry to hear about the difficulties you've experienced, both during the onboarding process and in obtaining support when needed. We understand how important accountant access is for managing HOA finances, and we recognize how frustrating it must be to lose access to a tool that is critical to your day-to-day operations. We would like the opportunity to review this situation right away and ensure your concerns are escalated to the appropriate team. Please email your contact information and account details to [email protected], and we'll work to connect you with the right team to review the access issue and provide assistance directly. We apologize for the inconvenience and appreciate the opportunity to look into this further. We hope to hear from you soon.
DO NOT do business with Axos Bank! I wish I could give this bank zero stars. I contacted customer service to add my external bank accounts for transfers. They helped me set everything up and told me the transferred funds would be available the next day. However, two days later, the transfer was canceled, and my account was restricted without any clear explanation. When I called to close my account, I was told that only the back office could process the closure and that it would take another 2–3 days just to review my request and close the account. Based on this experience, I would not recommend doing business with Axos Bank. The process was frustrating, the communication was poor, and resolving the issue has taken far longer than I was led to expect.
Hi FmG Sunday, We're very sorry to hear about the difficulties you've experienced, and we understand how frustrating this situation must feel. Holds or account restrictions are never the Bank's goal, and when they do occur, it's because we're required to fully review certain activity to help protect our customers and their accounts. When this happens, communication is sent to the email address on file with details on what may be needed, and additional updates are provided as they become available. We understand that delays and uncertainty surrounding account requests can be disappointing, and we regret that your experience did not meet the level of service we strive to provide. If you have any remaining questions or concerns, please contact us at [email protected] or reply to our most recent email communication. If you still need assistance with your closure request, please reach out and we'll be happy to help. We regret that your experience led you to end your banking relationship with us and hope to have the opportunity to regain your trust in the future.
Jada it was very awesome and helped me with everything.I needed assistance with.She should have a raise for her services.
Hi Clifford, thank you for taking the time to recognize Jada's outstanding service! We're delighted to hear she provided the support you needed and made such a positive impression. We'll be sure to share your kind words with her and her leadership team. Thank you for choosing Axos and for allowing us the opportunity to assist you. We truly appreciate your support!
Christie was very patient with me all the way through this phone application.
Thank you for sharing your experience, Jeff! We're so glad Christle helped make the account opening process a smooth one. We'll be sure to share your feedback with her. Thank you for choosing us, and welcome to the Axos family!
Christel was able to solve my issue within minutes. I have called on other occasions and spoke with a representative for about an hour with no solution. I am thankful that I called back. Christel listened to my unique situation and walked me through everything. Christel was very polite, patient, and knowledgeable while resolving my issue. I appreciate Christel!
Hi Lisa, We're so pleased to hear that Christle was able to provide the guidance and support needed to help resolve your concern. Taking the time to understand each customer's unique situation and seeing it through to a positive outcome is exactly the level of service we strive for. We'll be sure to recognize Christle for her outstanding assistance and share your kind words with her. Thank you for being a valued long-time customer and for the trust you've placed in Axos Bank over the years!
Hi Thom, We're glad our team was able to provide the support you needed. Thank you for being a valued customer and for taking the time to share your feedback. We truly appreciate your continued trust!
Hi D File, We're so glad everything was taken care of and that we could provide the support you needed. We appreciate your feedback and thank you for choosing Axos.
There are moments when exceptional customer service isn’t just appreciated it genuinely changes someone’s life. Ordinarily, I would think that was a ridiculous statement, but today i experienced exactly that. Thanks to Ishani. For nearly a week, I was dealing with one of the most stressful banking situations I’ve ever experienced. My accounts had been restricted, I was unable to access over $37,000 of my own money, and despite calling repeatedly and requesting manager callbacks and escalations, I felt like I was getting nowhere. I was receiving little to no information, and every interaction left me feeling more frustrated, confused, and helpless. When I first spoke with Ishani, everything changed. From the very first moments of the conversation, she treated me like a person instead of a case number. Her calm demeanor, patience, empathy, and professionalism immediately diffused a situation that had become incredibly emotional for me. She listened without judgment, acknowledged how difficult the situation was, and never once made me feel like I was an inconvenience. After that first call, I was so impressed that I requested a survey specifically so I could recognize her. I later learned that my feedback was shared with her manager, and I couldn’t have been happier to hear that she received recognition for the outstanding service she provided. Then, by complete coincidence, I reached Ishani again the following day after my account had been fully deactivated. Once again, she went above and beyond. She spent more than an hour with me, carefully researching every detail of my situation instead of rushing me off the phone. She didn’t simply tell me what to do—she walked me through the process step by step, explained what had happened, answered every question I had, and made sure I understood exactly what needed to happen next. In a world where it’s easy to provide the minimum level of customer service, Ishani chose to provide extraordinary service. She demonstrated patience, compassion, ownership, and genuine care. She restored my confidence that someone at Axos was truly trying to help me. I don’t know how many customer surveys she’s received, but I sincerely hope this one reaches senior leadership. Employees like Ishani define a company’s reputation. People like her actually make the world a better place. She represents the kind of professionalism, empathy, and dedication that every customer hopes to encounter, especially during difficult circumstances. Please recognize her for the incredible work she does. She didn’t just answer my questions, she gave me hope when I honestly felt like I had run out of options. I will never forget the kindness she showed me during one of the most stressful experiences I’ve had with any financial institution. Thank you, Ishani. You made a world of difference. Myself and my family are deeply grateful.
Hi Matthew, thank you for sharing this incredible feedback and for taking the time to recognize Ishani's efforts. We are truly sorry for the stress, frustration, and uncertainty you experienced throughout this situation. The experience you described is not what we aim to provide, and we appreciate you bringing these concerns to our attention. Please know that we will review the interactions surrounding your experience internally as we continue working to improve the support we provide our customers. We are especially grateful to hear about the positive impact Ishani had during such a challenging time. It means a great deal to know that her dedication, compassion, and commitment to helping you made such a meaningful difference. Providing thoughtful, personalized support is the standard we strive for every day, and we're proud to know she exemplified those values so well. We will be sure to share your recognition with Ishani and the appropriate leaders, and she will absolutely be recognized for the outstanding care and dedication she demonstrated throughout your experience. We are incredibly proud to have her on our team and grateful for the positive impact she made during such a difficult time. Thank you for choosing Axos and for taking the time to share your story and support.
The customere service member that helped me was extraordinarily kind! I was extremely satified and my problem was quickly resolved. I wish there was less ai invovled; I'm not sure talking to the chat accomplished anything.
Thank you for the 5 stars, Ainslyn! We're delighted to hear you had a positive experience with our team and that your concerns were addressed quickly. We also appreciate your feedback regarding our chat experience and will share it with the appropriate teams as we continue looking for ways to improve. Thank you for choosing Axos and for taking the time to share your thoughts.
Ishani was wonderful!! 10 of 10 stars. Professional kind and so helpful! Absolutely wonderful!
Thank you for taking the time to share your experience, Domo! We're delighted to hear that Ishani made such a positive impression. We'll be sure to pass along your kind words and recognition. Thank you for your continued loyalty and for choosing Axos. We truly appreciate your support!
I applied to open a business account on July 17, and it has now been 14 days without a meaningful response or status update. I followed up Thrice by phone to request the documents needed for signature, and after completing the signing, I again received no response. When I called for an update, I was told that a message had been sent to the relationship manager and that I would receive a call back. I was also advised to open an account with Bank of America. Based on this experience, I would not recommend opening an account with them.
Thank you for sharing your experience, Devender. We sincerely apologize for the lack of communication and the frustration this process has caused. We understand how disappointing it is to wait for updates, especially after making multiple follow-up attempts, and we regret that this was your initial impression of us. Please know that your concerns have been escalated to management for review. A Relationship Manager will be reaching out directly to provide an update on your application and offer any additional assistance needed. We appreciate you bringing this to our attention and are committed to addressing the issues you've experienced. We value the opportunity to serve you and hope to regain your trust through improved communication and support.
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