1. We recently purchased a home and closed back in May. On the closing disclosure, Axos stated that they would not be selling our loan. A month later, we got a letter stating that our loan had been sold. This seems very strange to me. If a lender promises they won't do something, they should actually follow through on that promise. 2. During the closing process, about 11 or 10 days before close, the loan officers asked us how we wanted our vesting on the title worded. 2 days before close, their lawyer apparently told them that the way we had wanted it worded wasn't correct, and recommended it be worded another way. I don't know why they didn't speak up earlier when we asked them for input as to how to word it, and I don't know why we're even asked how we wanted it worded when apparently we don't have a choice in the matter. It also doesn't help that the loan officers we worked with were not able to offer recommendations on how to word it. Perhaps they could not do so for liability issues? Or did they not know the different options for how to word the vesting? If it was the former, it would have been helpful for them to tell us that. But then the lawyer told us how they wanted it worded anyways? Very confusing process. 3. Attempting to schedule recurring payments online, the website seems to be broken and is not allowing us to do so. I eventually reached a human being (see #4) and we were asked to print out a form and fill it out and email it back in. Just moved to a new house and haven't yet set up the printer, so it's a bit more of a hassle than I'd like. This is broken. Please fix it. 4. Called their customer service line several times. A couple of times, I got to the point in the script where Evo AI asked if I wanted to upgrade my account security through adding biometrics. I said no, because that was not the purpose of my call, and it hung up on me. This is broken. Please fix it. The only saving grace in this whole process was our loan origination officer, Kelly Lord, who was very patient and helpful and even went to bat for us to match a competing offer we had received. read more

My experience with Axos Bank was extremely disappointing. The interest rate I was promised was never honored. When I reached out multiple times by phone, email, and online chat to resolve the issue, I was repeatedly directed to review the account disclosures rather than receiving a meaningful explanation or resolution. As a result, I decided to move my funds to another financial institution. During the transfer process, Axos froze my accounts for more than a week, citing concerns about possible identity theft. This significantly delayed my access to my own money and added to an already frustrating experience. After my funds were finally released, I was surprised to receive a solicitation from Axos Financial Investing encouraging me to consider their investment services. Given my experience with the bank, I found this solicitation to be both inappropriate and disappointing. read more

Should be renamed Satan's Bank. They are thieves! Try to call, you're sent to india to someone who can't speak anything near fluent English, ask to transferred Stateside so I could understand them and no, unable to transfer. They pay almost no interest, Dad put beneficiaries on his account before he died, they refuse to honor it and locked me, the POA and Guardian out of the app!! They're demanding probate and refuse to provide critical IRS data even though he is deceased. I'm filing with every government regulatory agency on their lawlessness and attempts to confiscate hundreds of thousands of dollars. Stay away! You've been warned! read more

This bank has been a nightmare. They seemed fine at first but they are now holding my paychecks for a minimum of 10 days before allowing me access to my own money. They tried to tell me that this is protocol if you do not use direct deposit. Not all employers use direct deposit because they must pay a great deal for it. Axos then claimed that they have to wait for the checks to clear. I altered my employer who called their bank and the check has completely cleared. It's now 8 days since the check cleared and they continue to hold it. This is forcing me to have to use my savings and my investment accounts to pay bills. Axos is completely useless. Additionally, their website is either slow or down. Their customer service is not. They shine their customers on and do nothing. I cannot continue to function nor operate daily activities like this. My next paycheck comes in three days and my last paycheck is still being held, going on two weeks. read more

I've had a terrible experience with Axos. I was drawn to the interest rate and I opened 2 business accounts and a personal account. I completely regret it and now have to move all 3. They hold deposits for 5 days, even if it's a regular consistent amount (like rent payment from a tenant). They reject mobile check deposits for tiny small things that aren't coherent like the person writing the check correcting the date from a "5" to a "6" for the DATE not the amount, for the DATE. Which causes such a hassle to try and get a new check to deposit. Without explanation I haven't even received the advertised rates even thought I have a recurring monthly deposit above the minimum and keep above the min of average daily balance. Don't waste your time. They don't follow through. read more

Extremely slow response. Initially, they did not even ack my message so it was hard to say if they even received it. Wasted my time creating an a/c for the advertised high interest rates. I am closing my a/c now and I expect that to be an arduous task as well. read more

I have banked with over 20 banks in my career, business & personal accts, ASOS is by extreme the absolute WORST I have ever encountered. I deposited a large amount of money and months later after setting up external banks to transfer funds around I made a couple of transfers and ASOS took it upon themselves to freeze my accounts and refused my 3rd transfer. When confronted of course they said it was for my safety/good. I jumped through every hoop they requested to verify myself except I was not able to get through the veriff.me app they sent. After attempting 4 times and then again the next time they sent a new one three times and the third time twice, each time having to send multiple secure messages that went totally unanswered and even after begging to speak to someone on multiple occasions NO CONTACT, no one would talk to me that could do anything. Finally I rec an email saying they had unlocked them. I called to find out how to close the accts and was told to just transfer all the funds out and the accts would be closed. I go in to transfer some funds and they had only unlocked 1 of my two accts so I am right back at the struggle. They are very unprofessional and even seem unethical. Do they need to tie up peoples money to have enough deposits to operate?? If I was allowed a rating below one (1) that is what they deserve. WORST Customer Service I have ever encountered in ANY business not just banks. I will be reporting them to the Office of the Comptroller of the Currency, perhaps the Federal Reserve System and the FDIC. They deserve some scrutiny. read more

*Review for Axos Bank -- False Advertising and Terrible Customer Service* I opened an account with Axos Bank based on their advertised promotional rate, which turned out to be completely misleading. The "promotion" they claimed to offer was never honored, and when I tried to resolve the issue, their customer service was *unreachable*. They don't return calls, provide vague or inaccurate information, and in some cases, outright lie to avoid accountability. To make matters worse, Axos added *unauthorized fees* without any explanation. Trying to close my account has been nearly impossible -- endless runarounds and zero follow-up. This has been one of the worst banking experiences I've ever had. *Warning:* Be cautious before opening an account here. Their marketing is misleading, their support is nonexistent, and closing an account is a nightmare. Save yourself the stress and choose a more transparent, reliable bank. read more

......and this still hasn't been resolved. It's now been 4 months since I paid of vehicle.

Update to review of Aug 22,2024. Was told to contact social media @axos bank. No such department or person. I must say they finally fixed the website problem with down loads in November 2024. I have stayed with them as an online bank. read more

I opened a heloc with Axos Bank for $200K in Dec 2025. Trying to get funds wired from the account was a nightmare. The bank's website does not work most of the time. Customer service was a nightmare. I wanted to payoff a balance and close the account in June 2026, because of all the problems. As part of a real estate closing with a different bank, the closing attorney asked for a payoff statement. No responses. I asked for it, assured it would be expedited, no response, ever. When I tried to pay off the balance on July 3rd, and it did not appear that the payment had gone through, I repeated it three times. The next day I checked with my bank, and all three payments had gone through, for an overpayment of $397,356. I called immediately and was told the overpayments would be refunded in 2 or 3 days. After 11 days with no refund, I called and was told that I would need to request a payoff statement, even though the balance was $0. Once the payoff statement was created and I paid whatever small amount of interest might have accrued, then the overpayment would be refunded, but not until then. I'm still waiting. They will not allow me to speak to a manager about this issue! DO NOT DO BUSINESS WITH AXOS BANK!! read more

Bait and Switch. Two weeks and could not open an account, once open could not deposit money. Today the interest rated dropped 20%. Bait and Switch. Profoundly, a waste of time, avoid it, if you care about you time and trouble. read more

Terrible experience with Axos, including their customer service. I have a loan with them and they randomly opened both checking and savings accounts in my name at the same time. I sent a message on their portal to close both accounts because I did not request them. I was told they were closed. I got an email last week saying that they have decided to part ways with me because I didn't fund the savings account (that I never wanted in the first place!). No communication about whether my loan is still active or how I need to pay going forward, if it is. When I called customer service last night, the lady wouldn't give me any information and then just sat there in silence until I started asking questions. The whole experience has been absolutely ridiculous and I wish I'd never opened this loan with them! read more

Got hacked. Hacker used our information to open an account at Axos and two other online banks (that we know of so far). This bank was very unhelpful in flagging the account someone else opened in our name as a fraudulent account even though we gave them all our info (we now regret doing that because it didn't help move the needle one bit in our favor) The rep kept saying he can't disclose information for security reasons EVEN AFTER we gave him our SSN. The bank didn't seem to mind opening an account without proper verification, but we can't close it even though our credentials were used? Rich! The other two banks were a lot more helpful. read more

I use Axos bank, they're app is really easy to use. It's a one stop shop for everything I need to know regarding to my finances. I had an issue one time with my spending limit they resolved it quickly! read more

Back at the beginning of the year, I tried to close out my retirement account. I'm still waiting, three months later, for the check. Trying to get a real person on the line is nearly impossible. The AI is designed to loop you around until you give up in frustration. DO NOT DO BUSINESS WITH THIS BANK! Their posted interest rates are a scam designed to lure you in. Customer service is practically nonexistent. Local banks offer better customer experiences, and the big investment houses can provide better dividends. I cannot say this enough: DO NOT DO BUSINESS WITH THIS BANK! read more

Most incompetent outsourced call center on earth. Restarted AI, App, with no oversight or care beyond the ID verification of customers, which is the only thing they care enough to do well. Avoid at all cost interest rate is not worth having to deal with the incompetence. 1 star awarded to post comment only read more

Do NOT do business with this bank. It is very difficult to engage with a real human and when you do, they have no authority, only platitudes. When my organization requested an account to be closed and a check sent, they claim it was sent although it was never received. Then they refused to send a replacement, even thought they had put a stop pay on the "original check", and further paid no interest on the funds for over 90 days. Whatever interest you think you will receive, it will ultimately cost you more to do business with them. read more

They hid my initial $50k deposit for 2 weeks. They changed the rules on how to get the higher savings rate after I opened the accounts. They opened 4 accounts when all I wanted was 2. And closing the accounts has been an absolute nightmare. And they ignored my written request via their secure messaging system for help with all of the above. Don't chase the the highest yield folks. Partner with a reputable bank. read more

Axos Bank confiscated my checking account without explaination. Then they lied to me and said they mailed the balance of my checking account ($66,200) to me. I called them 12 times and they gave their employees orders not to talk to me. They are crooks. read more

I originally opened a bank account with AXOS to take advantage of their HYSA. Terrible idea. I have had issues with them inconsistently adding the correct interest rate to my account (i.e. 1% instead of the 4+% rate). They also have IT issues where they've transferred money from incorrect accounts leading to me paying overdraft fees. The accounts I see and select on my end are not the ones they are transferring money to and from. I've reached out to Axos multiple times to figure out why this is happening and it took over two months to get a response. This was after speaking to multiple people who told me I'd hear back in 2-5 business days. I am now learning that other people are having the same issues but I feel very much gaslit whenever I am able to speak with an actual human. read more

Watch out for their HYSA. Yes, the rate is good but they place requirements to transfer money around monthly. I was extremely careful to confirm I was doing it right and still didn't earn the interest. Their customer service seems personal at first but once there is an issue, they become rude and agressive. Beware of Jacob Langley. I've transferred funds to a more reputable bank with a very similar rate. read more

Terrible customer service!!!! I have a CD that matured there and They have made me jump through hoops to try and withdraw the funds. First they had me link a an external account only to find out that money can only be added, not withdrawn that way. Then I asked to have it wired and I would pay the $35 fee. I keep getting told that the funds will be wired today and then I get another excuse as to why it will be tomorrow. Meanwhile I am not getting interest during this time period. I filed a complaint with the FDIC and reported to Regulator Office of Currency today. read more

I borrowed money via a Personal Loan to replace my HVAC. I have great credit and the liability was funded. Then the barriers started. First Red Flag is they make you open a checking account with the assurance that you can transfer the money immediately to your bank. Second Red Flag the App is clunky and difficult to navigate. Third red flag: they couldn't locate my bank. Then my bank set a $5000 Dailey limit to move money from Axos. Bottom line : I borrowed money but had limited access to it but am paying interest on it .I have used LENDING CLUB, DISCOVER and PROSPOR in the past. All have deposited money directly into my account in 2-3 days. I will not have complete access to my AXOS funds for 7-10 business days. UNACCEPTABLE!!!! read more

Dishonest and incompeten. Sent me an email that I have funds availabl, then put up obstacles so I couldn't with draw it. STILL shows balance available but won't release it read more

I finally was able to reach a real person and he advised me that he will close my accounts as requested and mail me a check for return of my initial deposit. Hopefully lesson learned, when a customer needs assistance with a problem that there is immediate assistance. Additionally when applying for a savings account, automatic default of signing up for both savings and checking which reduces your interest rate to 1% unless to do direct deposit, etc read more

I had the absolute worst experience with this bank. They do not offer PayPal deposits, they don't offer cash app deposits, they don't work with zelle, and even the transfer money from a friend or to a friend takes approximately 2 to 3 business days . They are behind the times and absolutely the worst experience I've ever had. read more

Absolutely worst experience I've had in DECADES of dealing with banks! The complaints on the reviews seem pretty spot on. We are having so many problems with inaccurate information, inconsistencies, lies, to the point we are considering legal counsel. AXOS messed up on processing, and it triggered major tax consequences. No one wants to take responsibility. We have so many "tickets" that have been escalated with them just closing it out because no one wants to be accountable. It is TAX season.. without them fixing their mistake, this is a TAX LIABILITY. All we get is attitude on the phone and so many made up/different stories. How is an institution like this still in business. This is EXACTLY why we left. Good luck to anyone who stays because CUSTOMER SERVICE SUCKS! If u think the DMV is bad, this is exponential. Read the reviews... there's no way all these ppl are making things up. It's bad service after bad service with ZERO accountability. How can a company make a mistake, have it affect a client, and not try to help and fix an issue THEY caused?!? Please BEWARE read more

The worst banking experience I have ever had. been more than 2 weeks of back and forth trying to close my account and transfer back to my original bank. They restricted my account as soon as I attempted to transfer out. I decided to close my account because of their lack of transparency. Sent me 4 "verification links" none of which worked nor did the QR codes. The service reps don't have a way to send you the link, so you have to wait hours in between while they contact a department you can't speak to. They restricted my account after that despite my calling in and providing name, full ssn, account number, all contact information, my security phrase, and security questions. Money mysteriously disappeared - over 30k. They allegedly sent back to my bank after over week of back and forth, but then wouldn't provide any transaction details or where they sent it. I have never heard of a bank that doesn't follow federal documentation requirements for large transfers over $10k. No way a bank can't provide a simple transactions details with tracing and return codes. Suspended my online access so I had no way to see where the money went, send secure messages, or print out any documentation for my account. Also, made 6 attempts to speak to a manager. Never had access to talk to one for 2 weeks until my attorney got involved With a demand letter and making it clear we would file a civil suit if they did not return the money or provide any legitimate documentation of the transfer. Now going on 6 business days from when the alleged transfer happened, but nothing located with the tracing number. the receiving bank never received the payment, Axos won't take steps to retrieve the funds and just send a wire. Over 12 business days since I requested an account closure and to send me my money. 3 weeks in total when counting weekends. read more

I've had a CD mature on 8/12/2025 and requested a wire transfer and have had a supplied wire transfer form with external routing and account numbers entered correctly. Told online that if the form is submitted prior to 12noon pacific time the wire should be completed by the end of that day - Never happened and now 11 days out still not happening after repeated on line chats - no way of speaking to the wire desk - but told that the "team" member will be resolving the problem. Speaking with chat people also getting false information such as being able to initiate money transfers online when linking an external account - This is False - only able to transfer money into Axos after linking an external account - Either they do not know what is going on or they disseminate false information. An indication of untrained staff and perhaps how much of a turn over in chat staff. So far after daily chats - with a new person daily - last one Nikta M., before that Priyanka, and a few others that may be thankful to be working but I do feel sorry that they have to put up with dispensing "we regret the inconvenience". I expect to get a response to me to contact socialmedia at Axos bank and another apology with no action. read more

I just joined this bank a month ago. Direct Deposit offered 2 days early, yet AXOS is paying me the day AFTER the deposit updates. ?? NEXT, the site performance is very poor. After 9pm you get "under maintenance" too often. I just went back to my previous bank. read more

Terrible!! Horrible!! The WORST bank ever!! DO NOT put your money in the bank. they are not clear about the terms of savings account. they take your money with no issues or problems, but then when you realize the requirements to get the interest rates they make you jump through a million and one hoops to get YOUR MONEY back. I wish I would have read these reviews before I got involved with this bank. Nothing but BAD REVIEWS. I can't believe this bank is allowed to stay in business. read more

They lost over $3300 of my money and want to charge me $125 to get it back...!!! That's extortion. Absolutely ridiculous trying to do business with them as my bank. And WHY should I contact your social media department??? How about your management or an actual banker? You can reach out to me in a DM with info for someone who can actually help, or stop pretending to care. read more

They do not clearly list out the terms to qualify for their high interest rates. $5,000 a month deposit? That was not mentioned until I wasted a month with $20,000 parked there for over a month. Reps did not disclose this. read more

The business practices are horrible! They are not forthcoming with everything that you can expect if you have to overnight a check to them. They will not acknowledge receipt and you have to wait 2-3 days until the check is processed and posted to your account. You can't speak to a supervisor unless you put in a written request and it takes up to 48 hrs and all they do is apologize. They hate when you transfer funds out to different accounts and have said as much. read more

I wish I could have post a zero star review. I should have read customer reviews before I opened the account. I don't think they have bad customer service, they just have overall bad service and not familiar with their business. I opened the account with a promo code with direct deposit for 5 months. Two months in and I didn't get bonus deposit so I started contacting their customer service. First two times were via chat, then it was via message. Each time they come back with not the same reason that it was not deposit. Some told me I did qualify and some told me I didn't qualify because ...... and the reasons were not the same. When I asked for terms and conditions detail as proof, I never received it. I will cancel my account and I will not recommend this bank. read more

Was going to use their savings promotion, however reading page after page of bad reviews, I will go somewhere else. The interest paid is not worth the issues I am sure they would initiate should I want to move my money. read more

Just had another horrific disappointing experience with them. Axos took out of my account without any authorization 4 mortgage payments instead of one. The account is in good standing and always has been. Been on phone for days with people that do not speak English to get my money back. They need to be shut down. They owe me $10,000 and holding on to it for no reason. They did this before...beware! Not sure how they do not get shut down by FDIC. Hedy Holmes Belvedere Ca read more

In addition to the dozens of technical issues they've had, I recently received the following email from Axos Bank: "We regret to inform you that Axos Bank® has decided to end our banking relationship. This is in accordance with the Deposit Account Agreement you accepted when you applied for an account with us. The agreement states, "The Bank reserves the right to close your account for any reason, without cause, or notice." In order to provide you with sufficient time to procure alternative banking services, the effective date of the closing will be 30 days from the date of this email. Upon expiration of this 30-day period, the account will be closed and all related services terminated. We suggest you cease making deposits to, and writing checks against, your account at this time. After all outstanding items have cleared; a check payable to the current account holder(s) in the amount of any remaining balance (less outstanding fees, service or other charges) will be sent to your mailing address on file. Please make other arrangements for any automated transactions such as direct deposit and prearranged ACH credits and debits. This decision is final. We understand you may have questions or concerns, but we are unable to provide further information regarding the decision to end our banking relationship. Sincerely, The Axos Bank Team" For context there was absolutely no warning prior to this message. read more

Axos Bank - Banks & Credit Unions Near Me - San Diego, California

Informative Online information good interest rates. In person gal very helpful business located in an upscale complex. Most banking handled online read more