Axos Bank pays both an existing customer and a referred friend up to $100 when the friend opens an eligible Axos One, Axos Checking, or Summit Savings account using the referral link and meets the funding or direct deposit requirement for that account. The reward is deposited into both parties' accounts within 21 days after the friend satisfies the promotion's conditions.
Referral-gated. This bonus requires signing up through an existing member's referral link. Dealaka links only the official program page and never inserts its own referral link. See the method.
Eligibility
Available nationwide
No state restrictions on this offer.
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
Requires a referral link
You sign up through an existing member's referral link.
How to get the Axos Bank Referral Program bonus
- Log in to online banking to get your unique referral link.
- Share the link with a friend so they can open an eligible Axos One, Axos Checking, or Summit Savings account.
- Friend funds the new account within 60 days of opening.
- Friend meets the deposit or direct deposit requirement for that specific account within the stated window.
- Bonus is deposited into both the friend's and referrer's account within 21 days after requirements are met.
The fine print that matters
- Only referrals made through the advocate's unique link qualify.
- Friend must be new to Axos Bank and never have owned an Axos deposit, loan, or invest account.
- Friend may earn only one referral reward, and only one per product/service category.
- Bonus is paid into an open, eligible Axos liquid deposit account in good standing; if none exists at payout time the bonus is forfeited (unless Axos closed the account).
- Advocates cannot refer themselves and cannot be Axos employees.
- Bonus amounts vary by product: $50 for Axos One or Summit Savings, $100 for Axos Checking.
- Axos Checking requires $1,500 in direct deposits within 90 days; Summit Savings requires a $5,000 deposit and $5,000 average balance for a 30-day period within 3 months.
- Bonuses may be taxable and reported on IRS Form 1099-MISC or 1099-INT.
- Minors and trusts are not eligible to participate as advocate or friend.
- Promotion terms, amounts, and availability can change or be discontinued at any time without notice.
Verification and reports
Confirmed against axosbank.com on Jul 19, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: axosbank.com offer page (checked Jul 19, 2026)