About us

Modern Banking At Your Fingertips:
What’s more convenient than a bank open 24/7? With more and more people using smartphones and tablets, it’s important to always have access to your account. That’s the ease & convenience of banking through Bank of Internet USA. We’re the modern bank that meets your everyday needs. Since we don’t support the high cost of a retail branch network, we’re more affordable too. You get award winning products and excellent customer service without the fees (for Rewards Checking) and with more benefits.

Great rates:
Our unique branchless structure allows us to pass the savings on to our customers through lower mortgage rates and higher rates earned on interest-bearing accounts.

Low or No Fees:
Rewards Checking comes with no monthly fees, overdraft fees, or NSF fees as well as unlimited domestic ATM fee reimbursements. We believe that you shouldn’t have to pay a bank to use your own money.

Convenient Features:
• Online Banking and Mobile Banking
• Email and text account alerts
• Mobile check deposit from your smartphone
• Electronic check deposit from your PC
• Bill Pay
• Person-to-person fund transfers
• FinanceWorksTM, a budgeting tool
• Cash-Back Purchase Rewards (Checking)

Quality customer support:
Our direct bankers are a click or call away, ready to help and fully committed to your satisfaction.

Easy access, all the time:
You can access your account anywhere you can log online, anytime.

Great mortgage rates:
Whether this is your first time buying a home, or you are looking to refinance at a great rate, we offer a wide range of mortgage products and our friendly mortgage consultants will help you secure the perfect loan.

Peace of mind, backed by FDIC:
All deposit products are FDIC insured through BofI Federal Bank under FDIC Certificate number 35546. You can learn more about FDIC at their website www.fdic.gov.

Neighborhood: Carmel Valley