Axos Bank is a publicly traded digital bank headquartered in San Diego that has operated entirely online since its launch in 2000. The bank offers checking and savings accounts, mortgages, auto loans, and business banking products exclusively through its website and mobile app, with no physical branch network. It holds over $20 billion in assets and is listed on the New York Stock Exchange under the ticker AX.
The bank's operating model centres on digital delivery and technology infrastructure rather than maintaining costly physical locations. Axos Bank builds its own online banking platform and core systems rather than layering digital interfaces onto legacy technology. This approach allows the bank to offer competitive rates and streamlined fee structures to its customer base, which spans the entire United States. All deposits are FDIC insured.
As one of the earliest fully digital banks in the country, Axos has maintained profitability over multiple years. The company employs engineering and product teams focused on online banking platform development, mobile application design, and fintech technology infrastructure.
