Bank of Internet USA

About

Bank of Internet USA provides innovative banking and lending products and services to our personal and business banking customers throughout the US.

Story

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.


Facebook User Guidelines

Thank you for joining us on social media! This page is intended to be a positive environment where people can come together to discuss and discover a wide variety of information. In order to keep our online communities as positive as possible, we have listed a few guidelines below that we ask you to follow.

All BofI Federal Bank social communities, including those of any subsidiaries, brands or divisions of BofI Federal Bank (collectively “BofI”) are moderated, and all comments, videos, pictures, etc., will be reviewed. To ensure exchanges are productive, informative, respectful of diverse viewpoints, and lawful, BofI will review all comments and posts, and will remove posts that fall within the following criteria:

• Spam: Comments focused on selling a product or service, or comments posted for a purpose of driving traffic to a particular website for personal, political, or monetary gain, will be excluded. At times, a user’s comments on our page may be hidden from public view if another community user or Facebook has flagged it as spam.

• Personal Attacks: If you disagree with the content on our page, we’d like to hear from you. We ask that you refrain from personal attacks or being disrespectful of others. Malicious intent and or participation not in the spirit of civil conversation will be excluded.

• Illegal: Posts or comments that might, as determined by BofI in BofI’s sole discretion, (i) violate contractual or personal rights or laws that govern use of copyrights, trade secrets, etc.; or (ii) result in litigation, legal claims, or legal or regulatory action.

• Offensive Language: Comments including, but not limited to, profane or provocative language, will be excluded (which means that hateful, racially, or ethnically offensive or derogatory content, threats, obscene or sexually explicit language will not be tolerated).

• Private or Confidential Information: Please do not provide any specific account details or other personal information. We cannot address specific account issues on Facebook. If you have immediate service needs, please contact our customer service team at [email protected] or [email protected]. If we see a post or comment that contains information that could pose a risk to someone’s accounts or privacy, we will remove it. As this is a public page, you should never post details about your financial situation. BofI will never ask you for your social security number, account information, passwords, PINS, or other private or confidential information on Facebook.

• Threatened or Actual Litigation: BofI will exclude posting comments concerning threatened or actual litigation or disputes between employees and any other person or entity.

Please also consider the following:
• Please keep your comments on topic.
• Please keep your comments clean and respectful. We reserve the right to remove comments that contain profanity or offensive, defamatory, hateful, or abusive language.
• We welcome your feedback about BofI, but please keep it constructive. Multiple comments of a similar nature may be deleted, and you may be blocked from future commenting on the page.
• Do not post comments on the page using fake accounts.
• It is prohibited to use our page to engage in illegal activity, or to post misleading or fraudulent information.
• In addition to the guidelines listed here, we also comply with the Facebook Terms of Use policy as well. By visiting our page, you agree to do the same.
• This page is sponsored by BofI Federal Bank on Facebook.com. Facebook is owned by a third party, and is not affiliated with BofI. You should familiarize yourself with Facebook’s Privacy and Security Policies to understand how your personal information may be impacted. The privacy and information security policies of Facebook differ from those of BofI. Please be aware of your Facebook privacy settings when sharing information. BofI does not have any control over how Facebook collects information, stores information, or how Facebook serves advertisements. Also be aware that Facebook’s terms of use apply while you are on this page.
• Information Disclaimer: Facts, data, information, and other content provided on our Facebook page by BofI are understood to be accurate when posted. BofI is not responsible for any data, content, or information posted by users. BofI cannot guarantee that any content is accurate or complete at all times.
• Facebook may publish advertisements on this page. BofI is not responsible for, and does not endorse any such advertisements.
• No BofI content or comments made by any employees or agents of BofI or any user should be construed as advice or recommendations. BofI does not endorse content posted by our employees who may be unauthorized to speak for us on our social media brand pages, elsewhere on Facebook, or on other third party sites affiliated with Facebook.
• BofI’s Facebook Pages are made available to you for your personal, non-commercial use only.
• If you are an employee of BofI, you are welcome to comment on our Facebook page. Remember that if your comment mentions a BofI product or service, you must identify yourself as being an employee.

BofI reserves the right to change these guidelines at any time at its sole discretion.
BofI reserves the right to modify content, features, or functionality of the Facebook Page(s), to shut down the page, and to limit or deny access to all or part of our Facebook Page(s) at any time, for any reason, without prior notice.

BofI reserves the right to remove any posts, comments, or fans from the page.
All statements and viewpoints expressed in the comments on a BofI Facebook Page are strictly those of the commenter alone, and do not constitute an official position of BofI Holding Inc. or BofI Federal Bank unless they are posted by an authorized representative thereof.

By using a BofI Facebook Page, you agree to be bound by these guidelines as well as any other applicable policies by BofI or Facebook.

Please refer to our BofI Facebook Terms of Use (https://www.bofifederalbank.com/Portals/0/Documents/BofIFederalBank/bofi-federal-bank-facebook-terms-of-use.pdf) and Facebook User Content Guidelines (https://www.bofifederalbank.com/Portals/0/Documents/BofIFederalBank/bofi-federal-bank-facebook-user-content-guidelines.pdf) for more information.

BofI Federal Bank. Member FDIC. Equal Housing Lender. EOE.

Mission

“We aspire to be the most innovative branchless bank in the United States providing products and services superior to our competitors, branch-based or otherwise.”

Gregory Garrabrants
President/Chief Executive Officer

Products

Rewards Checking
High Interest Checking
High Yield Savings
Money Market Savings
Certificates of Deposit
Business Banking
Online Banking
Purchase Loans
Refinance Loans
Conventional Loans
FHA Loans
VA Loans
Jumbo Loans
Reverse Mortgages
Home Equity loans
Home Equity Line of Credit
Portfolio Loans