Rewards Checking

Experience free and easy online checking while earning up to 1.25% APY1. Rewards Checking from Bank of Internet USA comes with free online banking and free bill pay, plus cash-back purchase rewards.

The Basics

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

The Rewards

  • Earn up to 1.25% APY1
  • Unlimited domestic ATM reimbursements
  • Cashback

The Features

Shopping Family

Great Interest Rates

Current Rate Tier (Minimum to earn APY1) Rate APY1
Receive monthly direct deposits totaling $1,000 or more   .4166%
Using Rewards Checking Visa® Debit Card at least 10 times per month for everyday purchases.(min $3 per transaction)   .4166%
Using Rewards Checking Visa® Debit Card for 15 or more times per month for everyday purchases. (min $3 per transaction)   .4166%
Total 1.24% 1.25%
1.25 .19

How do we rate? Calculate your earnings3.

Calculated at the Maximum Tiered Rate of 1.25% APY | Interest Compounded Daily



You Could Earn $0.00 with Bank of Internet USA or
$0.00 with the National Average4.

A BofI USA Rewards Checking Account Offers:

FinanceWorks money management software provides you with the tools to see all of your accounts in one place.

Send, request, and receive money securely. It's completely safe and as easy as emailing and texting.

Green Dot® Reload @ the Register
Conveniently deposit cash nationwide2 with your Bank of Internet USA debit card.

Purchase Rewards

Turn everyday purchases into cash. Let us show you how.

You're eligible for exclusive cash back offers when using the Bank of Internet USA Visa® Debit Card at the types of places you like to shop.

How it works:
  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 auto cash back — deposited right into your account at the end of next month.

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

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

Overdraft Protection

Peace of mind vs. in a bind

What happens if an important check does not clear due to a miscalculation? With Overdraft Protection from Bank of Internet USA, you do not need to take the risk of having a check returned at all. It’s exactly the peace of mind you need. Best of all, if you never use our Overdraft Protection, it doesn’t cost you a thing.

Overdraft protection by linking accounts

Link your online checking account to an or , and use the balance in the linked account to cover the shortfall in your online checking account (up to the full balance of the linked account).

To set up: log in to your account and send us a secure message indicating the last 5 digits of the two account numbers you would like to have linked together (regulations limit savings and money markets accounts to a maximum of 6 transactions per month).