† Go to any ATM and we'll automatically refund fees charged by other banks by the end of the next business day (excludes international ATM transactions).
The Annual Percentage Yield (APY) is accurate as of . The interest rate and corresponding APY for savings and money market accounts are variable and are set at our discretion. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.
We use the daily balance method to calculate the interest in your account. This method applies a daily periodic rate to the daily collected balance in your account. The Collected Balance is the balance of all deposits in your account on which we have received credit for the deposited funds (determined by the availability schedule of our Federal Reserve Bank for non-cash items). All Bank of Internet USA Checking and Savings accounts are variable rate accounts. Time Deposit rates are fixed for the term of the certificate. Time Deposits require a substantial penalty for early withdrawal. Please refer to the Deposit Account Agreement and Disclosure for further information.
*Annual Savings calculation of $305 based on a $10 monthly maintenance fee, 2 monthly ATM cash withdrawals at $5 each ($2.50 from your bank and a $2.50 ATM vendor charge), 3 annual overdraft fees through linked accounts at $10 each, and one annual non-sufficient fund fee of $35.