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.

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).