Rewards Checking

Earn Up to 1.25% APY1

Experience the convenience and ease of online banking with the financial benefits of a premium, interest-bearing checking account, including the ability to earn up to 1.25% APY1. The Rewards Checking account from Bank of Internet USA is our top-tier checking account, offering our highest interest rates, along with free online banking, and unlimited domestic ATM reimbursements.

Benefits of Rewards Checking

  • Earn up to 1.25% APY1
  • Unlimited domestic ATM reimbursements
  • Bank of Internet USA Visa® Debit Card with chip technology

Account Details

  • No monthly maintenance or service fees
  • No minimum monthly account balance requirements
  • Overdraft protection available by linking your or with no associated overdraft or non-sufficient funds fees
Shopping Family

Rewards Checking Interest Rates

Earn Up To 1.25% APY1

The more conditions you meet, the more interest you earn.

For example, one condition will earn 0.4166% and two conditions will earn 0.8332%.
Meet all three and you will earn the full 1.25% APY1.

Meet all conditions
to earn



Condition(s) APY1
Receive monthly direct deposits totaling $1,000 or more earn 0.4166%
Use your Bank of Internet USA Visa® Debit Card at least 10 transactions per month (min $3 per transaction) earn 0.4166%
5 more transactions
for a total of 15
(min $3 per transaction)
earn 0.4166%
Total 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.

Featured Services

Unlimited Domestic ATM Reimbursements

Use any ATM you want in the U.S. and we will refund any and all fees you are charged.

ACH and Wire Transfers

Fast, safe, and reliable money transfers between financial institutions. Learn More

Overdraft Protection

Link your checking and savings accounts to prevent overdrafts fees. Learn More

Joint Accounts

Add an additional person to your account in two simple steps. Learn More.

Trust Accounts

Checking, Savings, and CD accounts are eligible to be opened by trustees. Learn More

Digital Tools

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Rewards Checking
is right for you?

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