Axos Bank has no branch hours because it has no branches. Its personal banking line, (888) 502-2967, is listed as open 24 hours a day, 7 days a week, excluding Thanksgiving Day and Christmas Day. ACH and wire transfers still settle on Federal Reserve business days, so knowing when a transfer starts processing matters more than when you can call.
See the full Axos Bank review or the Axos Bank overview for account types, fees, and ATM reimbursement details.
Axos Bank Hours at a Glance
| Service | Hours |
|---|---|
| Personal banking phone: (888) 502-2967 | 24 hours a day, 7 days a week (excluding Thanksgiving Day and Christmas Day) |
| Chat with Evo (virtual assistant) | 24/7 after you log in, per Axos’s FAQ |
| Secure message | Log in online or in the app and select Messages |
| Branch walk-in | Not available — online bank only |
Source: the Axos contact page and FAQ.
Holidays
Axos lists the personal banking line as open every day except Thanksgiving Day and Christmas Day. Axos also publishes a holiday schedule on its contact page. ACH and wire transfers initiated on a federal holiday generally settle the next business day.
Transfer Timing
Even with an online bank, the underlying payment networks operate on business-day schedules. Axos does not publish one cutoff time for every transfer type on its contact page, so check the Axos transfer limit guide and the app for the cutoff that applies to your transfer.
Mobile Deposit Availability
Deposits submitted on a weekend or holiday generally roll to the next business day.
| Deposit Size | Typical Availability |
|---|---|
| First $275 of a day’s check deposits | Next business day (Regulation CC minimum) |
| Other checks | By the 2nd business day |
| Part of a day’s deposits over $6,725 | The standard schedule doesn’t apply; the bank sets the timing |
For daily mobile deposit limits and per-check maximums, see the Axos mobile deposit limit guide.
How Axos Compares to Branch Banks for Hours
| Feature | Axos Bank | Large Branch Banks |
|---|---|---|
| Branch walk-in hours | None (online only) | Vary by branch |
| Phone support hours | Listed as 24/7 (except Thanksgiving and Christmas) | Varies by bank |
| Cash deposit | Green Dot network ($3–$5 fee) | Free at branch or in-network ATM |
| ATM access | 95,000+ (free) | Bank-branded ATMs only (free) |
| ATM fee reimbursement | Unlimited (on qualifying accounts) | Limited or none |
The trade-off: Axos lists near-round-the-clock phone access and offers broader ATM reimbursement, but you cannot walk into a branch with a problem. If you regularly handle large cash amounts or need in-person assistance, a hybrid bank (like Capital One, which has cafes and branches) may suit you better. For a full feature comparison, see Axos Bank vs Schwab.
What to Do If You Can’t Reach Support
If you’re having trouble reaching a representative:
- Chat with Evo — Axos’s virtual assistant, available after you log in
- Use secure messaging — log in online or in the app and select Messages
- Check the Axos mobile app — many issues (card lock, PIN resets) can be handled self-service
- Call back later — wait times vary during busy periods
For full contact information, see the Axos Bank customer service guide.
ATM Access (No Branch Required)
Axos reimburses ATM fees on qualifying accounts, giving you access to virtually any ATM in the US without worrying about network restrictions. Axos checking account holders on eligible plans get unlimited domestic ATM fee reimbursements — the surcharge the ATM owner charges you is refunded monthly.
- Free ATM networks: Allpoint (55,000+ ATMs) and MoneyPass
- Out-of-network: Use any ATM; fees reimbursed at month-end
For the daily ATM withdrawal limit and reimbursement cap details, see the Axos Bank ATM limit guide.
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