Axos Bank is a digital bank that offers a comprehensive range of Personal & Business banking products and services. Experience Axos Bank - Banking Evolved.
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Is Axos Bank legit?
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.
What reviewers say
AI generated
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.
Adesh did a great job helping me with my issue today. Unlike that one person that I spoke with prior to Adesh, he said his name is Wilson, he definitely doesn't like his job. He keeps on telling me that i did not send the documents for name change which I did 2 weeks ago, which for sure no one checked it out my messages which where I attached my documents. Meanwhile I am here waiting for nothing, without my debit card for 2 weeks.
With Adesh, he took time to find out about the problem. Thoroughly, explained to me the process and the next thing I should expect after he solve the issue.
Definitely a 5- star for Adesh. This world needs a staff like him! - Nanette
Reply from Axos Bank2026-07-31
Hi Nanette, We sincerely apologize for the frustration and delays you encountered while trying to resolve this matter. We understand how important timely updates and clear communication are, and we appreciate you bringing your concerns to our attention. Please know that we will review the interactions you described internally as we continuously look for ways to improve the customer experience.
We're especially grateful to hear that Adesh was able to provide the level of support and guidance you needed. Taking the time to listen, thoroughly investigate concerns, and ensure customers feel informed and supported is exactly the standard we strive to deliver. We're delighted to know he made such a positive impression and helped restore your confidence during a challenging situation.
We'll be sure to share your kind words with Adesh and recognize him for the outstanding support he provided. Thank you for being a valued longtime customer and for continuing to place your trust in Axos.
Jessica made me feel valued and addressed my concerns in a friendly and efficient manner. Her customer service is superb. Thank you!
Reply from Axos Bank2026-07-31
Thank you for the 5 stars, Michelle! We're so pleased to hear that Jessica provided the care and attention you deserve. We'll be sure to share your kind words with her and recognize her for making such a positive impact. Thank you for choosing Axos and for trusting us with your banking needs.
Hi Octavio, we're so happy to hear our team was able to provide the support you needed and make the process a positive experience. We truly appreciate your support and thank you for being a valued customer!
Thank you for the 5 stars, Juan! We appreciate your kind feedback and are grateful for the opportunity to assist you. We truly appreciate your continued support and are grateful to have you as part of the Axos community.
I actually had a bank rep call me and offer me something that would benefit me better than what I originally signed up for. I do not think this has EVER occurred with my other bank institution. I'm still shocked, thinking this is unnatural and waiting for the 'gotcha'. Until that happens - I am very thankful that there's a bank that has its customer's best interest in mind, and has dedicated team members willing to personally reach out to share thorough details on your financial product offerings.
Reply from Axos Bank2026-07-29
Hi Pauline, thank you for the 5 stars and for sharing such thoughtful feedback! It means so much to hear that our team took the time to reach out and help you find an option that better aligned with your needs. We believe banking should be personal, and we're glad that commitment came through in your experience.
Your kind words about the care, transparency, and attention you received will be shared with the team. Thank you for your trust, your business, and for choosing Axos. We're grateful for the opportunity to support your financial goals.
Professional.
Handled the account concerns promptly.
Reply from Axos Bank2026-07-29
Thank you for the 5 stars, Noam. We're glad our team was able to address your concerns and provide the support you needed. We appreciate you taking the time to share your feedback and are excited to welcome you to Axos!
Customer Service person who helped me did a great job in helping me to get my account jumbo account set up (i am forgetting her name unfortunately). She walked me through the process and stayed with me until the creation process was complete.
The name of the person I worked with today was Tabinda.
Reply from Axos Bank2026-07-29
Thank you for the 5 stars, Cameron! We're so glad Tabinda was able to make the account setup process smooth and provide support every step of the way. We'll be sure to share your kind words with her. Thank you for your business and for trusting Axos with your banking needs!
Jada resolved my issue very quickly and was very pleasant.
Reply from Axos Bank2026-07-28
Thank you for the 5 stars, Kollene! We're delighted to hear Jada was able to assist and make your experience a smooth one. We'll be sure to share your kind words with her. We appreciate you choosing Axos and look forward to being here whenever you need us.
The team member was very polite very informative and was able to help me with no problems. Thank you I love Axos Bank
Reply from Axos Bank2026-07-28
Thank you for the 5 stars, Nancy! We're so glad to hear our team was able to provide the support you needed and make the process easy. Your kind words and support mean a lot to us. Thank you for choosing Axos!
Very patient, efficient, detailed ,understanding & helped step by step through the process!
Reply from Axos Bank2026-07-29
Hi n.f, we're so glad to hear our team was able to provide the guidance and support you needed throughout the process. We'll be sure to share your kind words with the team. Thank you for choosing Axos and for taking the time to share your experience!
I had an external transfer go into a UFB checking account that I did not know (or remember?) that I had. I was pleasantly surprised that customer service rep Harshit was able to move the money to the correct account (subject to completion on the next business day). This was easier than I anticipated. Good job, Harshit!
Reply from Axos Bank2026-07-27
Hi Michael, thank you for the 5 stars and for recognizing Harshit's efforts. We're delighted to hear that what could have been a complicated situation turned out to be a smooth experience. We'll be sure to share your kind words with Harshit and the team. We appreciate you taking the time to share your experience and thank you for choosing Axos. We're always happy to help whenever you need us!
It seemed there was an update or a system or on my end. Either way I had an issue and the great Customer Service on the other end was able to get me back up and running on a mid Sunday afternoon. You can't beat that, super kind, thoughtful, patient enough to put up me as well; all around amazing staff. Made sure that I wouldn't run into the same problem again as well with a perfect solution.
Reply from Axos Bank2026-07-27
Hi Demetre, we're grateful for your thoughtful feedback and pleased to hear our team was able to provide the assistance you needed when an unexpected issue arose. It's always our goal to make banking as smooth and stress-free as possible. Your kind words mean a great deal to us, and we'll be sure to share them with our team. Thank you for choosing Axos and for taking the time to share your experience!
Hi Isabel, We're so glad Adesh made your experience a positive one. We'll be sure to share your kind words with him and the team. Thank you for choosing Axos, we truly appreciate your business!
Jada answered my email promptly. I also appreciate the fact that I can change my payment date upon my first payment being made. This will make my life so much easier. Thank you Jada for your consideration.
Reply from Axos Bank2026-07-27
Hi Jennifer, We're so glad Jada was able to provide the assistance you needed and help make things a little more convenient. We'll be sure to share your kind words with her. We appreciate you taking the time to share your experience and thank you for choosing Axos!
I appreciate that you reached out to me by phone about an automatic payment that didn't go through rather than sending me a letter 2 months later after returning me to a credit bureau like USAA.
Reply from Axos Bank2026-07-27
Hi Philip, We're pleased to hear our team's outreach helped create a positive experience. Providing proactive support and clear communication is important to us, and we're glad we could assist. Thank you for being a valued long-time customer. We truly appreciate your continued trust and support over the years.
Thank you for the 5 stars, Joseph! We're so glad our team was able to provide a positive experience. We appreciate you taking the time to share your feedback and thank you for choosing Axos.
I had trouble connecting an external bank- a process I'd successfully managed several times, so was really thinking it was an Axos problem. The call to Axos customer service was helpful patient and quickly helped get me to an alternative method solution. I wish I'd have called for help sooner.
Reply from Axos Bank2026-07-27
Thank you for taking the time to share your experience, Joy. We're sorry you ran into difficulties along the way, but we're glad our team was able to help find a solution and get things back on track. We appreciate your patience throughout the process and are pleased we could assist. Welcome to Axos! We're excited to have you as part of our community and look forward to supporting your banking needs whenever you need us.
10/10 best bank ive had because my representative was able to give me a daily limit raised even tho it was after hours in just a few minutes and immediately able to buy a 3k set of silver jewelry for my friend since his bank( fulton bank) wasn't able to even tho he had the money
Reply from Axos Bank2026-07-27
Thank you for your 5-star review, Melvin! We're thrilled to hear our team was able to assist you when it mattered most and provide a smooth resolution. We'll be sure to share your kind words with the representative who helped you. We appreciate you taking the time to share your experience. Thank you for choosing Axos and for being part of our community.
Thank you for the 5 stars, Victor! We're glad our team could help and make things a little easier. We appreciate your feedback and thank you for choosing Axos.
Excellent service and even though I am not local to California Jim Van Rens went out of his way to personally call me and introduce himself and see if he could help me in any way. Personal service is rare these days. Thank you.
Reply from Axos Bank2026-07-27
Thank you for taking the time to share your experience, Michael. We're delighted to hear that you felt supported from the start and that Jim made a positive impression. Providing a personalized banking experience is important to us, and we'll be sure to pass along your kind words. Welcome to Axos! If you ever need assistance, your Relationship Manager and our team are just a call or message away.
