Essential Checking

Not Your Average, Everyday Checking Account

At Bank of Internet USA, we believe that you deserve more from your banking experience. That's why our Essential Checking account delivers such features as a suite of free online banking tools and simple account management from all of your electronic devices. This hassle-free, no-fee online checking account also offers unlimited reimbursements of domestic ATM fees - further proof that essential doesn't have to be ordinary.

The Rewards

  • Unlimited domestic ATM reimbursements

The Basics

  • No monthly maintenance fees
  • No annual fee
  • No overdraft or non-sufficient funds fee

Free Online Banking

At Bank of Internet USA, we feel that are an essential part of the banking experience, which is why the Essential Checking account comes with free:

Checking your account balance on the go is easy with our mobile website and app

Additional Benefits of Essential Checking

Green Dot® Reload @ the Register
Deposit cash hassle-free wherever you are nationwide1 with your Bank of Internet USA debit card.

Take Advantage of Exclusive Cash Back Offers

What's more essential than cash? When you open a no-fee Essential Checking account with Bank of Internet USA, you'll be eligible for exclusive cash back offers when you use your Bank of Internet USA Visa® Debit Card at the types of places you like to shop. Here's how it works:

  1. Click to activate your exclusive cash back offers at places you routinely shop.
  2. Shop online or in brick-and-mortar stores using your Bank of Internet USA debit card to redeem your cash back offers. You don't need to worry about any special coupons.
  3. Enjoy your cash back awards! Your cash will automatically be deposited back into your checking account at the end of the next month.

Log in to your account at Bank of Internet USA at and let the savings begin.

If you have any questions about Essential Checking, please don't hesitate to contact Bank of Internet USA by email at or by phone toll free at 1-877-541-2634. For information on a Bank of Internet USA checking account that offers cash back on select signature-based transactions, please .

Your Financial Peace of Mind Is Essential

Even the most careful among us can use a margin of error. It's not right that a person's financial future could be put in jeopardy because of a simple, honest miscalculation. To err, after all, is human.

That's why offers Overdraft Protection as part of its Essential Checking account. With , you don't have to worry about having a check returned due to insufficient funds in your account. On the other hand, if you never use Overdraft Protection, you don't have to worry about any fees associated with it. It's there simply if you need it.

Link Accounts to Enable Overdraft Protection

As with our interest-bearing and accounts, you can link your Essential Checking account to another Bank of Internet USA checking or and use the balance in the linked account to cover the shortfall in your Essential Checking account (up to the full balance of the linked account).

To link your Essential Checking account to another account, log in to your Bank of Internet USA account and send us a secure message including the last five digits of the two account numbers you would like to have linked together (regulations limit savings and money markets accounts to a maximum of six transactions per month).