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*The Annual Percentage Yield (APY) is accurate as of 10/2/2026. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.

Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.

The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.

Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:

Option 1

1. Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.
2. The average daily balance of your Axos ONE® Checking account is at least $1,500.

Option 2

1. Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.
2. The average daily balance of your Axos ONE® Checking account is at least $5,000.

If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:

• The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.
• The Axos ONE® Savings account will earn a promotional rate of 4.21% APY on the first $249,999.99 and 3.50% APY on any additional balance for the statement cycle in which the requirements are met.

A limited-time APY Boost is available to new customers who open a new Axos ONE® bundle, meet both requirements in either Option 1 or Option 2 during the Qualification Period, and maintain an average daily balance of $249,999.99 or less in their Axos ONE® Savings account. The APY Boost can be earned for the first six (6) statement cycles including the cycle in which the account is opened and will be paid monthly as part of the monthly interest payment. Qualifying Axos ONE® Savings accounts will earn a 0.79% APY Boost which based on today’s rate results in a total of 5.00% APY on the first $49,999.99, and 4.21% APY on balances $50,000.00 or more for the statement cycle in which the requirements are met; rates are variable and subject to change. Customers who have previously held any account with Axos Bank or UFB Direct are not eligible, including but not limited to deposit accounts, loans, and investments. Axos Bank reserves the right to limit each primary account holder to one (1) APY Boost promotional offer under this or any other APY Boost promotion per 12-month period. In order to qualify, the account must be created from October 1, 2026 through October 31, 2026.

The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.

A direct deposit is an electronic ACH deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., real time payments, online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.

Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) mobile check deposits, (iv) real time payments. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds, (v) ATM deposits.

Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.