Axos · Banks
Axos Business Premium Savings review
Axos Business Premium Savings is one of the highest-paying flat-rate business savings accounts in the US, reported at about 3.60% APY in 2026 with no monthly fee or minimum balance and FDIC insurance. It’s online only, and the rate is variable.
Who Axos is best for
US businesses wanting a high flat rate and businesses with reserves they don’t need daily.
Businesses that need branches.
Axos Business Premium Savings is one of the highest-paying flat-rate business savings accounts in the US, reported at about 3.60% APY in 2026 with no monthly fee or minimum balance and FDIC insurance. It’s online only, and the rate is variable.
Fees, features and eligibility
| Standard interest | About 3.60% APY on all balances (reported by NerdWallet and Bankrate, mid-2026; check Axos for today’s rate) |
|---|---|
| Fees | $0 a month |
| Currencies | USD |
| Access to funds | No lock-ups; savings transaction limits may apply |
| Deposit protection | FDIC insured up to $250,000 |
| Eligibility | US businesses |
Source: Axos published product information.
What stands out
Pros
- About 3.60% APY on all balances (reported mid-2026)
- No monthly fee or minimum opening deposit
- Free incoming domestic and international wires
Cons
- Online only
- Variable rate that can change at any time
Axos: common questions
What APY does Axos Business Premium Savings pay?
It has been widely reported at about 3.60% APY in 2026, on all balances. Rates are variable, so check Axos for the current rate.
Are there fees or minimums?
No monthly maintenance fee and no minimum opening deposit.
Used Axos? Help other businesses choose.
Other cash management accounts to consider
Best for balances of $25,000 and up
