Bank Of Internet Usa

★★★★☆
  • 4350 La Jolla Village Dr 140 Suite 140

    San Diego, CA 92122

    Map & Directions
  • 858-350-6200

About Bank Of Internet Usa

Categories

Finance

Finance
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4.15 20
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I recently found a beautiful home in Florida that I was thrilled with and was looking for a great rate on my Mortgage. I was deciding to go through my regular bank when I came across Bank of Internet o the web. After doing some research I decided to reach out to them and explore my options. It was amazing how prompt they were in assisting me with the entire loan process.

Being a first time home buyer I had my concerns they were extremely helpful and I think they were patient I had an awful lot of questions and they took their time and guided me through everything. Since getting my mortgage I opened up a checking account as well and have been really thrilled. The interest rate on the mortgage came in lower than my old bank and the rate on my checking account was extremely competitive.

5
★★★★★

I recently found a beautiful home in Florida that I was thrilled with and was looking for a great rate on my Mortgage. I was deciding to go through my regular bank when I came across Bank of Internet o the web. After doing some research I decided to reach out to them and explore my options. It was amazing how prompt they were in assisting me with the entire loan process.

Being a first time home buyer I had my concerns they were extremely helpful and I think they were patient I had an awful lot of questions and they took their time and guided me through everything. Since getting my mortgage I opened up a checking account as well and have been really thrilled. The interest rate on the mortgage came in lower than my old bank and the rate on my checking account was extremely competitive.

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.

I came across Bank of Internet a few months back while looking for a savings account with better interest than the one I was using at the time. I chose the high yield savings because of their rate and deposited a few thousand to try it out. It's going on the second month and I have no complaints.

5
★★★★★

I came across Bank of Internet a few months back while looking for a savings account with better interest than the one I was using at the time. I chose the high yield savings because of their rate and deposited a few thousand to try it out. It's going on the second month and I have no complaints.

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.

Did refinancing with this bank a couple of times; the last time the service was terrible and the deal almost fell apart; the bank consultants kept on coming with new , last moment requests to provide additional documents; the notary service ordered by them was irresponsible either: they had scheduled an appointment but didn't come twice and nobody called about the cancellations; once they came the signing was incorrectly done and had to be redone for a second time. The bank has also sent very sensitive information including SSN over email without using any encryption. Very unprofessional, this is what they are!

1
★☆☆☆☆

Did refinancing with this bank a couple of times; the last time the service was terrible and the deal almost fell apart; the bank consultants kept on coming with new , last moment requests to provide additional documents; the notary service ordered by them was irresponsible either: they had scheduled an appointment but didn't come twice and nobody called about the cancellations; once they came the signing was incorrectly done and had to be redone for a second time. The bank has also sent very sensitive information including SSN over email without using any encryption. Very unprofessional, this is what they are!

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.

With so many options and programs to choose from I was overwhelmed with all of the refinance options that my research presented. I then made a few calls and I got promise after promise, but not many hard facts. I hesitated, but called one more: Bank of Internet. Their mortgage specialists seemed more concerned with what was right for me and my specific situation than selling me something. They actually listened and I was presented with more than one option. Armed with strong information, I was able to make an educated decision and I knew I got the best rate. Bank of Internet was wonderful the entire process was smooth and I am saving hundreds of dollars every month. Thanks BofI!!!

5
★★★★★

With so many options and programs to choose from I was overwhelmed with all of the refinance options that my research presented. I then made a few calls and I got promise after promise, but not many hard facts. I hesitated, but called one more: Bank of Internet. Their mortgage specialists seemed more concerned with what was right for me and my specific situation than selling me something. They actually listened and I was presented with more than one option. Armed with strong information, I was able to make an educated decision and I knew I got the best rate. Bank of Internet was wonderful the entire process was smooth and I am saving hundreds of dollars every month. Thanks BofI!!!

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.

I was looking to change banks, and a friend recommended Bank of Internet. I work very long hours and don't have time to drive to a bank whenever I have a bank transaction. I went with their Rewards Checking account. I have never been this pleased with a checking account. I use the FREE bill pay ,and the FREE FinanceWorks money management software. I am able to do all of my banking from my desk (that I never seem to leave), even deposits with my phone. That has been a lifesaver on more than one occasion.
I am extremely pleased with my choice, so I highly recommend Bank of Internet.

5
★★★★★

I was looking to change banks, and a friend recommended Bank of Internet. I work very long hours and don't have time to drive to a bank whenever I have a bank transaction. I went with their Rewards Checking account. I have never been this pleased with a checking account. I use the FREE bill pay ,and the FREE FinanceWorks money management software. I am able to do all of my banking from my desk (that I never seem to leave), even deposits with my phone. That has been a lifesaver on more than one occasion.
I am extremely pleased with my choice, so I highly recommend Bank of Internet.

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.

Recently Bank of Internet started to offer Finance Works, a software for online banking. Its good (I think its from Intuit, the makers of Quicken and Turbotax). \r
\r
I bank with Bank of Internet because of their great rates....

3
★★★★★

Recently Bank of Internet started to offer Finance Works, a software for online banking. Its good (I think its from Intuit, the makers of Quicken and Turbotax). \r
\r
I bank with Bank of Internet because of their great rates....

.

I have been an internet banking customer a long time and Bank of Internet is one of the best. Customer service is good and often great. Only one time did I ever have an issue.

I have also done a mortgage through them and they had the best rates, low fees and a very helpful mortgage consultant.

They are the best internet bank. The one thing they were missing before is quick external account linkages. They have that now, so I am happy with them.

4
★★★★☆

I have been an internet banking customer a long time and Bank of Internet is one of the best. Customer service is good and often great. Only one time did I ever have an issue.

I have also done a mortgage through them and they had the best rates, low fees and a very helpful mortgage consultant.

They are the best internet bank. The one thing they were missing before is quick external account linkages. They have that now, so I am happy with them.

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.

I tried to refinance my house with this bank and had a horrid experience. First of all, they couldn't get my basic application right. They had my race, year my house was built, etc wrong even after I told them the correct info. Basic things that should not have been overlooked. I gave them the benefit but things got WAY worse.

After I met all of the financial requirements they had me pay $550 for the appraisal. When it went to the underwriter they denied the loan because my house was in an agricultural zone. You think they would have figured that out when I told them I lived in a rural property and I was a farm manager. Or, maybe they would have noticed it when the appraiser said he had to charge $550 instead of $350 since it was rural. They don't think. Basically they have cost me $550 for an appraisal I can't use and a great rate.

Whatever you do don't make the same mistake I did.

1
★☆☆☆☆

I tried to refinance my house with this bank and had a horrid experience. First of all, they couldn't get my basic application right. They had my race, year my house was built, etc wrong even after I told them the correct info. Basic things that should not have been overlooked. I gave them the benefit but things got WAY worse.

After I met all of the financial requirements they had me pay $550 for the appraisal. When it went to the underwriter they denied the loan because my house was in an agricultural zone. You think they would have figured that out when I told them I lived in a rural property and I was a farm manager. Or, maybe they would have noticed it when the appraiser said he had to charge $550 instead of $350 since it was rural. They don't think. Basically they have cost me $550 for an appraisal I can't use and a great rate.

Whatever you do don't make the same mistake I did.

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.

Bank of Internet is a fantastic bank, I have had only good customer service experiences. I have had Checking & Savings accounts with Bank of Internet for almost 5 years. Bank of Internet??s high yield savings is at 0.80% APY* with no balance requirement!

5
★★★★★

Bank of Internet is a fantastic bank, I have had only good customer service experiences. I have had Checking & Savings accounts with Bank of Internet for almost 5 years. Bank of Internet??s high yield savings is at 0.80% APY* with no balance requirement!

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.

I have had a checking account with Bank of the Internet for several years. Signed up for the rates which are good, but the service is just terrible. Their online software looks like it is from the mid 90's and is difficult to use. Their phone support is terrible. When I call, all I get is an answering machine, and when I leave my phone number, they don't call back for days. They lost a check from the Treasury that I mailed for deposit, and I had to get the check re-issued. I am currently looking for another online bank.

1
★☆☆☆☆

I have had a checking account with Bank of the Internet for several years. Signed up for the rates which are good, but the service is just terrible. Their online software looks like it is from the mid 90's and is difficult to use. Their phone support is terrible. When I call, all I get is an answering machine, and when I leave my phone number, they don't call back for days. They lost a check from the Treasury that I mailed for deposit, and I had to get the check re-issued. I am currently looking for another online bank.

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1 out of 1 people found this review helpful.

.

I stupidly signed up for a savings account with Bank of Internet, after learning it was offering high interest rates as reported on BankRate.com. Yes, the rates are good, but this bank makes it a huge pain to even open the account. They make you wait for paperwork in snail mail and then you have to MAIL IN your paperwork, all of which takes WEEKS - hello, this is Bank of INTERNET! I have opened at least six other online savings accounts with ease and without all this physical paperwork.

Additionally, every other online bank I've used allows you transfer funds between banks electronically, with no hassles. Not Bank of Internet! Your initial deposit can be made by ACH, but after that, you have to initiate deposits and withdrawals from your own bank (which means fees and hassles).

I only learned this when I was FINALLY able to log in for the first time, 2 weeks after starting the process of opening the account. There was no place to do transfers. I thought I must be missing something, so I called them. The customer service rep was apologetic -- she gets complaints about this ALL THE TIME.

I said I wanted to close the account because this is totally unacceptable, and she informed me that if I close it within 90 days, there is a $25 fee! (I missed that fine print somehow.) Believe me, I marked my calendar. When 90 days is up, I'm closing my account with this online bank, which is so far below expectations I can't even believe it's in business.

1
★☆☆☆☆

I stupidly signed up for a savings account with Bank of Internet, after learning it was offering high interest rates as reported on BankRate.com. Yes, the rates are good, but this bank makes it a huge pain to even open the account. They make you wait for paperwork in snail mail and then you have to MAIL IN your paperwork, all of which takes WEEKS - hello, this is Bank of INTERNET! I have opened at least six other online savings accounts with ease and without all this physical paperwork.

Additionally, every other online bank I've used allows you transfer funds between banks electronically, with no hassles. Not Bank of Internet! Your initial deposit can be made by ACH, but after that, you have to initiate deposits and withdrawals from your own bank (which means fees and hassles).

I only learned this when I was FINALLY able to log in for the first time, 2 weeks after starting the process of opening the account. There was no place to do transfers. I thought I must be missing something, so I called them. The customer service rep was apologetic -- she gets complaints about this ALL THE TIME.

I said I wanted to close the account because this is totally unacceptable, and she informed me that if I close it within 90 days, there is a $25 fee! (I missed that fine print somehow.) Believe me, I marked my calendar. When 90 days is up, I'm closing my account with this online bank, which is so far below expectations I can't even believe it's in business.

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1 out of 1 people found this review helpful.

.

Their checking account linking to money market is great when you look at their rates.When you look around the country you can not find a better bank. I hope all of you look at bofi.com

5
★★★★★

Their checking account linking to money market is great when you look at their rates.When you look around the country you can not find a better bank. I hope all of you look at bofi.com

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.

I found the B of I online when I was looking to buy a CD. Their rates are incredible! I bought a CD and it's at 3.97%, higher than any other reputable company. Professional, easy to reach, great customer service. Why buy a CD any where else?

4
★★★★☆

I found the B of I online when I was looking to buy a CD. Their rates are incredible! I bought a CD and it's at 3.97%, higher than any other reputable company. Professional, easy to reach, great customer service. Why buy a CD any where else?

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Review Partner
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Switched over to BOI rewards checking after years of owning a checking account that did nothing for me. No monthly maintenance fees and no monthly minimum balance requirements. Pretty cool

2
★★★★★

Switched over to BOI rewards checking after years of owning a checking account that did nothing for me. No monthly maintenance fees and no monthly minimum balance requirements. Pretty cool

.

I desperately needed to refinance my home...my adjustable rate mortgage was rising steadily, so someone referred Bank of Internet to me...I was apprehensive, but I called...and I was surprised (shocked really) at how much time they spent

2
★★★★★

I desperately needed to refinance my home...my adjustable rate mortgage was rising steadily, so someone referred Bank of Internet to me...I was apprehensive, but I called...and I was surprised (shocked really) at how much time they spent

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Saving time by not having to adhere to Bank branch hours is so convenient. At Bank of Internet, I can bank from home, my office or on the go with its secure Mobile banking. There are also no monthly fees, unlimited ATM reimbursements,

2
★★★★★

Saving time by not having to adhere to Bank branch hours is so convenient. At Bank of Internet, I can bank from home, my office or on the go with its secure Mobile banking. There are also no monthly fees, unlimited ATM reimbursements,

.

After being so displeased with my bank for years I finally decided to make the switch. I used to drive almost thirty minutes to my bank, now I just pick up my phone, or log in from my computer. So simple. The checking and savings are so

2
★★★★★

After being so displeased with my bank for years I finally decided to make the switch. I used to drive almost thirty minutes to my bank, now I just pick up my phone, or log in from my computer. So simple. The checking and savings are so

.

I have been putting off buying a house because of the Real Estate dilemma we have seen in this country. But over the past 6 months I have been realizing maybe now is the time for me to take advantage of the market and pricing along with

2
★★★★★

I have been putting off buying a house because of the Real Estate dilemma we have seen in this country. But over the past 6 months I have been realizing maybe now is the time for me to take advantage of the market and pricing along with

.

Bank of Internet won me over with their amazing rates on their Rewards Checking accounts. I was looking around and found them on google. Once I went to their site I realized I could do everything from home which really made my decision

2
★★★★★

Bank of Internet won me over with their amazing rates on their Rewards Checking accounts. I was looking around and found them on google. Once I went to their site I realized I could do everything from home which really made my decision

.

I searched bankrate.com to see what rate I can get for a 1 year CD. Bank of Internet dominates the competition. High rates have motivated me to open an account with them.

2
★★★★★

I searched bankrate.com to see what rate I can get for a 1 year CD. Bank of Internet dominates the competition. High rates have motivated me to open an account with them.

More about Bank Of Internet Usa

We Put The Best Banking At Your Fingertips. Imagine a bank so convenient it has a branch in your home, and your office, and anywhere you have your cell phone. That's the ease and convenience Bank of Internet USA brings to your everyday banking needs. And since we don’t have the high overhead of a physical branch network to pay for, we're more affordable, too. You get the convenience and the savings. Plus … Great rates. Our rates consistently beat the national average. Quality customer support. Our dedicated customer support associates are a quick 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, 24/7. Time-saving bill pay services. Bank of Internet USA customers can safely pay their bills online, all from a single site. It's convenient, easy to use, and it's secure. Flexible options. Need to move your money? You can transfer funds between any of your Bank of Internet USA accounts, or you can transfer money to/from your Bank of Internet USA account to/from another bank account whenever you want. You can even set up a regular schedule. Great mortgage rates. We offer a straightforward approach with a variety of products to meet your needs and a dedicated specialist to guide you through the process. With Bank of Internet USA we will close your mortgage loan fast and on your schedule Online safety guarantee. We cover 100% of any losses due to highly unlikely break-ins or funds that are lost, misplaced or taken out of your account without your authorization.1 Peace of mind, backed by FDIC. Bank products and services are offered by Bank of Internet USA, a division of BofI Federal Bank. Bank of Internet USA and other BofI Federal accounts are not separately insured by the FDIC. BofI Federal Bank’s FDIC certificate number is 35546. You can learn more about FDIC at their website, www.fdic.gov.

 

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