Platinum Checking Account

Earn up to 0.71% APY1

With the Platinum Checking account from Bank of Internet USA, you no longer have to choose between low fees and high interest rates. When you open this interest-bearing checking account, you will experience great interest rates plus a suite of free online banking tools, no monthly maintenance fees, and other exclusive benefits. We invite you to discover for yourself why so many people consider Bank of Internet USA's Platinum Checking the premier interest-bearing checking account available online.

The Basics

  • No monthly maintenance fee
  • Tiered interest rate up to 0.71% APY1,2
  • No overdraft or non-sufficient funds fee

The Rewards

The Features

The Bank of Internet USA Platinum Checking Account Offers:

This money management software gives you all the tools you need to manage your checking and accounts in one place.

Send, request, and receive money safely and securely. It's as simple as sending or receiving an email or a text.

Green Dot® Reload @ the Register
Conveniently deposit cash into your account wherever you are nationwide3 using your .

Platinum Checking Interest Rates

Current Rate Tier (Minimum to earn APY1) Rate APY1
$1 - $4,999 0% 0%
$5,000 + .71% .71%

Purchase Rewards

Get cash for your everyday purchases. Here's how.

When you open a Bank of Internet USA Platinum Checking Account, you'll enjoy exclusive cash back offers when you use your Bank of Internet USA Visa® Debit Card for your everyday purchases.

All you have to do is:
  1. Click to activate exclusive cash back offers at the places you like to shop.
  2. Shop online or in stores to redeem your offers by paying with your card. No coupons needed!
  3. Enjoy automatic cash back — it will be deposited right into your Platinum Checking account at the end of the next month.

Log in to your account at Bank of Internet USA at and enjoy your savings!

If you have any questions, please don't hesitate to contact Bank of Internet USA by email at or call us toll free at 1-877-541-2634.

Overdraft Protection

The protection you need, when you need it

We all make mistakes from time to time. What happens when one of those mistakes results in an important check failing to clear? When you open a premier Platinum Checking account with Bank of Internet USA, you won't have to worry about that happening. Overdraft Protection will protect you from the risk of having important checks returned for lack of funds. Even better, if you don't use the Overdraft Protection that automatically comes with your Platinum Checking account, you won't pay a penny for it.

Overdraft protection by linking accounts

As with our and our options, you can link your Platinum Checking account to your or personal deposit accounts, and you can use the balance in the linked account to cover any shortage in your Platinum Checking account up to the full balance of the linked savings or money market account. Now that's true peace of mind.

To link your 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).