Golden Checking

If You're 55 or Older, You Can Earn 0.20% APY1, 2 on All Balances

Now there's an interest-bearing checking account designed to meet the unique financial needs of those aged 55 and older. With Golden Checking from Bank of Internet USA, you will pay zero fees while enjoying high interest earnings and other benefits such as free personal checks3, free online banking, and domestic ATM reimbursements4.

The Rewards

  • Earn on all balances
  • Free personal checks
  • Domestic ATM reimbursements up to $8 per month

The Basics

  • No monthly maintenance fees
  • No minimum monthly balance

Free Online Banking

When you open a Golden Checking account, you will have a full selection of free at your disposal, including:


Smiling couple examining their interest calculations on their Bank of Internet USA Golden Checking account

Additional Golden Checking Benefits


Green Dot® Reload @ the Register
Wherever you are nationwide5, you can deposit cash into your Golden Checking account with your Bank of Internet USA debit card.


Overdraft Protection: A Financial Safety Net

Sometimes even the best laid plans can sometimes go awry. That's why Bank of Internet USA offers Overdraft Protection as part of every Golden Checking account. With , you don't have to worry about having a check returned for insufficient funds in your account due to an honest miscalculation. And if you never use your Overdraft Protection? You pay nothing at all.

Overdraft Protection by Linking Accounts

If you have a or , you can link it to your Golden Checking Account. Then you can use the balance in the linked account if you ever have to cover a shortfall in your Golden Checking Account (up to the full balance of the linked account).

To link accounts, log in to your account and send us a secure message indicating 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).