Rewards Checking

Experience the convenience and ease of online banking with all the perks 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 absolute best rates. In addition to a high annual percentage yield, the Rewards Checking account comes with a suite of free online banking tools, unlimited domestic ATM reimbursements, and exclusive cash-back purchase rewards.

So go ahead - reward yourself by opening a Bank of Internet USA Rewards Checking account today!

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%
Use Rewards Checking Visa® Debit Card at least 10 times per month for everyday purchases (min $3 per transaction)   .4166%
Use 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 Bank of Internet 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

As with , you can link your Rewards 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).