Accepting Deposits You authorize Axos Bank to accept items for deposit to your deposit account if they are made payable to you. You also authorize us to deposit to your account wire transfers and other forms of credit (such as direct deposits or other automated clearinghouse entries) received for your benefit.
Cash Deposits Please do not send cash deposits. In the event that cash deposits are received by Axos Bank , you agree that our determination of the amount of the deposit will be conclusive. The Bank is not liable for any deposits, including cash, lost in the mail.
Mobile Deposits Mobile Deposit from Axos Bank gives you the power to deposit checks into your checking or savings account using your smartphone or other mobile device, wherever you are and whenever you want.
Make a Deposit With Make a Deposit, you can make secure deposits 24 hours a day, seven days a week from the comfort of your home or wherever else you have internet access.
Endorsements You authorize Axos Bank to supply any missing endorsements if items are made payable to you or your order and you have not endorsed them. You warrant that all endorsements on items deposited to your account are genuine. Endorsements must be placed only in the area so designated on the back of an item.
ACH New Account Funding ACH Funding will be posted upon final credit from the external bank, typically 2–3 business days after the new account is opened.
ACH Payments, ACH Credits, or Direct Deposit to Money Market Savings and Advantage Savings Accounts When setting up with another bank an ACH Payment, ACH Credit, or arranging for Direct Deposit to your High Yield Money Market Account or High Yield Savings Account, for electronic processing purposes please designate “Checking” as the account type.
Our Receipt of Deposits In receiving deposits, Axos Bank acts only as your collecting agent and assumes no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit, or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit.
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Axos Financial, Inc., All Rights Reserved. © Axos Bank, All Rights Reserved. © Axos Invest LLC. Member FINRA & SIPC. All Rights Reserved. © Axos Invest, Inc. All Rights Reserved.
Bank products and services are offered by Axos Bank ® . All deposit accounts through Axos Bank brands are FDIC insured through Axos Bank. All deposit accounts of the same ownership and/or vesting held at Axos Bank are combined and insured under the same FDIC Certificate 35546. All deposit accounts through Axos Bank brands are not separately insured by the FDIC from other deposit accounts held with the same ownership and/or vesting at Axos Bank. For more information read Axos Bank’s FDIC Notice.
Advisory services are offered by Axos Invest, Inc., an investment adviser registered with the Securities and Exchange Commission (“SEC”). For information about our advisory services, please view our Form CRS or our ADV Part 2A Brochure, free of charge. Brokerage services and securities products are offered by Axos Invest LLC, Member FINRA & SIPC. YOU MAY FIND MORE INFORMATION ABOUT OUR FIRM ON FINRA’S BROKERCHECK. View the background of this firm, or REVIEW our Form CRS. All cash and securities held in Axos Invest client accounts are protected by SIPC up to $500,000, with a limit of $250,000 for cash. Read more information about SIPC on the SIPC web page.
Securities and other non-deposit investment products and services are not deposits, obligations of or guaranteed by Axos Bank, are not insured by the FDIC or any governmental agency, and are subject to investment risk including possible loss of the principal invested. Past performance of a security does not guarantee future results or success.
Axos Invest LLC, Axos Invest, Inc., and Axos Bank are separate but affiliated companies.
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