USAccess Bank Receives Bankrate.com SM Top Tier Award USAccess Bank has received the Bankrate.com SM Top Tier award for consistently offering annual percentage yields (APYs) that were among the highest reported in 100 Highest Yields for 2nd quarter 2001. This is the third time that USAccess has received this award. About USAccess Bank, Inc USAccess Bank is an Internet bank headquartered in Louisville, KY. The bank opened for business in February 1999. USAccess Bank provides quality banking services, great rates and excellent customer service on the Internet. We believe USAccess Bank represents the future of banking and our growing customer base agrees.