Platinum Checking

Earn Up to 0.71% APY2

When you open a Platinum Checking account with Bank of Internet USA, you will have the opportunity to earn up to 0.71% APY2 while paying no monthly fees. Along with great interest rates, you'll have access to a comprehensive suite of free online banking tools and exclusive cash back offers. You shouldn't have to choose between no-fee checking and high interest rates - this premier interest-bearing checking account delivers both.

The Rewards

  • Earn up to 0.71% APY1
  • Domestic ATM reimbursements up to $8 per month
  • Exclusive Cash Back Purchase Rewards

The Basics

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

Free Online Banking

When you open a Platinum Checking account, you'll enjoy a variety of benefits, including such as:

Additional Benefits of Platinum Checking

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 APY2) Rate APY1
Tier 1 $1 - $4,999 0% 0%
Tier 2 $5,000 + .71% .71%

Get Cash for Your Everyday Purchases

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.

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 account, 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).