Overview tab

Online Checking Worth Checking Out

Open a Platinum Checking account and get a great rate with less hassle. Enjoy no monthly maintenance fee and domestic ATM fees reimbursed up to $8 per month.


  • Enjoy a great tiered rate (average daily collected balance)
  • Free cash-back Purchase Rewards
  • Free unlimited check writing
  • Receive free starter kit of checks if ordered at account opening
  • Free Mobile Deposit — Deposit checks instantly 24/7 wherever you and your phone go
  • Free MyDeposit — deposit checks instantly from the comfort of your home or office
  • Free FinanceWorks™: track all your financial accounts, even those at other institutions, all from your Bank of Internet USA Online Banking
  • Free Online Banking with free Bill Pay, mobile banking, email and text messaging alerts
  • Free online images of checks and statements
  • Free online transfers
  • Free Visa® Debit card
  • ATM fees reimbursed up to $8 per month (excludes international ATM transactions)
  • $100 minimum opening deposit required
  • No monthly maintenance fee
  • Available overdraft protection

OPEN ACCOUNT
 Rates tab

We Help You Get More From Your Money

We call it Platinum Checking for a reason. Our rates are among the best, which will really pay off for you. And unlike some banks that compound monthly, quarterly or even annually, we compound interest on the average daily collected balance so you see it payoff even faster.

PLATINUM CHECKING

Current Rate Tier (Minimum to earn APY*) Rate APY*

Tier 1 interest rate will apply if your Average daily collected balance is less than $5000.00 at the end of your statement cycle 0% 0%
Tier 2 interest rate will apply if your Average daily collected balance is $5000.00 or more at the end of your statement cycle .71% .71%
OPEN ACCOUNT
 Compare tab

Find The Online Checking Account That's Right For You

Which Bank of Internet USA Checking account best fits your needs? Compare them side-by-side then open an account online.


Platinum Checking CashBack Checking Rewards Checking
Best if you want: To keep a high balance and earn a great interest rate To earn cash back when you make debit card purchases To maximize your interest rate based on your activity level
Open in minutes Open Now Open Now Open Now
Earn interest on your balance View Rates N/A checkmark
Earn cash back for signature-based transactions checkmark Earn up to 1% checkmark
No Monthly Maintenance Fee checkmark checkmark checkmark
No Overdraft Fees checkmark N/A checkmark
Free Checks At account opening At account opening At account opening
ATM Reimbursement $8 Unlimited Unlimited
Free Visa® Debit Card checkmark checkmark checkmark
Free Bill Pay checkmark checkmark checkmark
Free Mobile Banking checkmark checkmark checkmark
Free Online Statements checkmark checkmark checkmark
Free Online Check Images checkmark checkmark checkmark
OPEN ACCOUNT
 Purchase Rewards tab

Turn everyday purchases into cash
Let us show you how.

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

How it works...

  • Purchase Rewards-Clickto activate exclusive cash back offers at the places you like to shop.
  • Purchase Rewards-Shoponline or in stores to redeem your offers by paying with your card. No coupons needed!
  • Purchase Rewards-Enjoyauto cash back — deposited right into your account at the end of next month.
Purchase Rewards sample

Log in to Bank of Internet USA at www.mybankofinternet.com and let the savings begin.

Get Started View Demo

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

View Purchase Rewards video here.

 Overdraft tab

Peace of Mind vs. In A Bind

What happens if you accidentally bounce an important check? With Overdraft Protection from Bank of Internet USA, your important check doesn’t bounce 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 online savings or money market account. 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.)

OPEN ACCOUNT
 FAQs tab

What do you want to know?

Bank of Internet USA is here to make your banking experience as simple and convenient as possible. If you have any questions about the Platinum Checking account, chances are, we’ve answered them here. You can access a more comprehensive list of FAQs by clicking here. Alternatively, you can ask us a question by contacting us here.

 Personal Banking - AJAX FAQs
What is the difference between a Bank of Internet USA Rewards Checking account and Platinum Checking account?What information do I need to open a Bank of Internet USA Rewards Checking account?How do I fund an account?Who do I make checks payable to when depositing to my account?When will I receive my new Visa® Debit card and Checks?How do I order checks?How can I access/manage my money in the Bank of Internet USA account?What is the difference between Bank of Internet USA checking accounts?What information do I need to open a Bank of Internet USA Platinum Checking account?How do I fund an account?Who do I make checks payable to when depositing to my account?When will I receive my new Visa® Debit card and Checks?How do I order checks?How can I access/manage my money in the Bank of Internet USA account?What ATMs can I use with Bank of Internet USA?What are the ATM/Debit card daily limits?When will my interest be calculated?Is there a hold on direct deposits?What is the difference between Bank of Internet USA Checking accounts?What information do I need to open a Bank of Internet USA CashBack Checking account?How do I fund an account?Who do I make checks payable to when depositing to my account?When will I receive my new Visa® Debit card and Checks?How do I order checks?How can I access/manage my money in the Bank of Internet USA account?What ATMs can I use with Bank of Internet USA?What are the ATM/Debit card daily limits?When will my interest be calculated?Is there a hold on direct deposits?What is the difference between a Bank of Internet USA High Yield Savings account and Money Market Savings account?What information do I need to open a Bank of Internet USA Money Market Savings account?How do I fund an account?Who do I make checks payable to when depositing to my account?How can I make a withdrawal from my Money Market Savings account?Is there a limit to how many withdrawals I can make from my savings/money market account per statement cycle?What ATMs can I use to withdraw cash?What are the ATM/Debit cash daily limits?What is the difference between a Bank of Internet USA High Yield Savings account and Money Market Savings account?What information do I need to open a Bank of Internet USA Money Market Savings account?How do I fund an account?Who do I make checks payable to when depositing to my account?How can I make a withdrawal from my Money Market Savings account?Is there a limit to how many withdrawals I can make from my savings/money market account per statement cycle?What ATMs can I use to withdraw cash?What are the ATM/Debit cash daily limits?What ATMs can I use with Bank of Internet USA? What are the ATM/Debit card daily limits?When will my interest be calculated?Is there a hold on direct deposits?
 High Interest Checking - FAQ bottom