BofI USA offers several checking accounts with free online banking that can help any customer manage their finances. A handy comparison tool will help customers choose between available options. First Checking, a joint account for families, can earn customers up to 0.25 APY, and has no maintenance or overdraft fees. The option for people over 55 years of age, Golden Checking, has zero fees, free personal checks, domestic ATM reimbursements and can earn interest.The Essential Checking account promises superior customer service, unlimited ATM reimbursements, and cash back rewards. Similarly, the CashBack account boats the same benefits but increases rewards and has no annual or monthly fees. The Platimum Checking and Rewards Checking accounts allow users to earn 0.71 APY and up to 1.25 APY respectively. Both accounts have cash back rewards, and like the others mentioned, free online banking tools.

An FDIC member, Bank of Internet USA, a subsidiary of BofI Holdings, Inc., has been providing online banking since 1999. Although we could not find a Moody's rating for the institution, BofI has earned a 5-star rating from BauerFinancial. With $5.8 billion in assets, twice the capital required, this online-only bank is publicly traded on the stock market, and it's recommended as a strong buy. Additionally, BofI's earnings increased by 22.93% last year, and trending reports point to its continued growth in years to come, making it a reliable choice.

Customers of BofI USA can contact customer support or live chat during the bank's Pacific Time hours of operation. The bank does offer 24/7 customer support through a call center. With no local branches, with the exception of company headquarters in California, every transaction must be done online or by phone. Bank of Internet USA is a BBB accredited business since 2011 and has an A+rating with the organization.