Bank of Internet USA is offering 1.25% APY with their Rewards Checking Account on balances up to $150,000. In order to start earning the 1.25% APY, you must complete the 2 requirements which are have a direct deposit of $1000 or more each monthly statement cycle and have 15 or more transactions with your Rewards Checking Debit card. Bank of Internet USA otherwise known as Bank of Internet Federal Bank is one of the first banks worldwide to offer banking services, namely deposit accounts and loans, exclusively on the Internet. Bank of Internet USA is registered with the FDIC as a savings and loan association!
Eligibility: Bank of Internet USA is entirely focused online which makes it easier to apply and start earning their great offers!
| BMO Smart Money Checking ($400 cash bonus*) | KeyBank Checking ($300 bonus) |
| Chase Private Client ($3,000 Bonus) | HSBC Premier Checking (Up to $3,000 Cash Bonus), |
Bank of Internet USA Account Info:
- Apply Now
- Account Type: Rewards Checking Account
- APY Rates: 1.25% APY
- Minimum Balance: None
- Maximum Balance: $150,000
- Availability: (Branch Locator)
- Expiration Date: None
- Credit Inquiry: Unknown, let us know
- Opening Deposit: None
- Credit Card Funding: Unknown, let us know
- Direct Deposit Requirement: Yes
- Additional Requirements: See below for details
- Closing Account Fee: Cancellation fees may apply. Be sure to speak with your representative.
Bank of Internet USA Features:
- Never Pay Monthly Maintenance Fees Again
- No Need to Keep a Minimum Balance to Avoid Fees
- No Overdraft or Non-Sufficient Fund Fees
- Make Unlimited Withdrawals From Any Domestic ATM for Free
How To Earn 1.25% APY Rate:
- Create a Rewards Checking Account with Bank of Internet USA
- Direct deposits totaling $1,000 or more each month
- 15 or more point-of-sale transactions per month using your Rewards Checking VISA Debit Card for normal everyday purchases with a minimum of $3 per transaction
Bottom Line:
Overall, the Bank of Internet USA offer is great for those of you who qualify for a membership because of their features of having no minimum balance requirement and such a large maximum balance. By being an online bank, applying is easier! Feel free to drop us a line and share your experience with this credit union by commenting below. Also, if you have any information whether this is a hard or soft pull, please let us know. For those of you don’t live in the area and can’t get this offer, you can view our entire list of Best Rewards Checking Accounts for other great options.
 The Hilton Honors American Express Card offers 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in your first 6 months of Card Membership. Offer Ends 4/29/2025. You'll earn: • 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio. • 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. • 3X Points for all other eligible purchases on your Card. Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year. This card comes with $0 annual fee and no foreign transaction fees, so you can enjoy international travel without additional fees on purchases made abroad. (See Rates & Fees) Terms Apply. |
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