11 Online Banks Offering Unbeatable Perks for the Savvy Saver

8. Axos Bank

Axos Bank doesn’t mess around with perks—fee-free checking, early direct deposit, and one of the best welcome bonuses around (up to $300 for new customers, offer varies with promo codes and direct deposit). Cash back debit? Yep, that’s included, with up to 1% cash back available on some accounts. Axos also gives up to $10/month in nationwide ATM reimbursements. The referral program is strong, so if your friends jump on board, you can score extra bonuses. The Axos app is fine—it’s not flashy, but it does the work, with account monitoring and budgeting tools built in. Like other digital banks, depositing cash isn’t as smooth, but check deposits via app keep things moving. Axos is a good fit for digital natives looking for real savings with a few juicy extras.