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Get High Savings Without The High Fees

With no fees or balance requirements, our High Yield Savings1 account earns high interest. Open an account now with as little as $100 and you'll enjoy:


  • A great rate (interest compounded daily)
  • No monthly maintenance fees and no minimum monthly balance. Really!
  • 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 mobile banking, email and text messaging alerts
  • Free ATM card available upon request
  • Free postage–paid envelopes
  • Easy online transfers between your Bank of Internet USA accounts (for example, from your Online Checking to your High Yield Savings)
  • FDIC insured — certificate number 35546

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Find The Online Savings Account That's Right For You

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

High Yield Savings Money Market Savings
Free Online Bill Pay — limited
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Free Check Writing — limited
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Free Online Check Images
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Free Online External Account Transfers checkmark checkmark
Free Online Internal Account Transfers checkmark checkmark
Free Mobile Banking checkmark checkmark
Free Text Banking checkmark checkmark
Free MyDeposit checkmark checkmark
Free FinanceWorks™ checkmark checkmark
Free Online Statements checkmark checkmark
Available ATM Card checkmark checkmark
FDIC Insured checkmark checkmark
Interest Compounded Daily checkmark checkmark
No Minimum Balance checkmark checkmark
No Maintenance Fees checkmark checkmark
Withdrawal limits apply checkmark checkmark
Minimum Opening Deposit $100 $500
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Top-Ranked Rates, Just For You

At Bank of Internet USA, we keep overhead costs down to provide you with more free services and competitive rates. That's why Bank of Internet USA customers enjoy competitive savings account rates.

HIGH YIELD SAVINGS

Account APY* Rate
High Yield Savings 0.61% 0.61%

MONEY MARKET SAVINGS

Balance APY* Rate
$1–$9,999 0.75% 0.75%
$10,000–$24,999 0.75% 0.75%
$25,000–$49,999 0.75% 0.75%
$50,000–$99,999 0.75% 0.75%
$100,000 + 0.75% 0.75%
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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 High Yield Savings 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 Yield Savings - FAQ bottom