Bank of Internet USA introduced their new Rewards Checking Account, which has a $100 minimum opening deposit. The account can earn an APY of up to 1.25%, 0.3125% for each qualifying action. To receive the full APY, customers must make a direct deposit of at least $1,000 per month, pay two bills a month using online banking, and use their debit card at least six times per month. The account will not earn interest if none of the qualifications are met. Click here for more information.