A+ MyBankTracker Rating

Bank Of Internet

About Bank Of Internet

Bank of Internet USA, a division of BofI Federal Bank, owned by BofI Holding Inc. is a publically traded (NASDAQ: BOFI) FDIC insured nationwide branchless bank that offers high interest checking, savings, money market and certificates of deposit accounts. Bank with us 24 hours a day, 7 days a week and enjoy some of our great features such as no overdraft fees, ATM fee reimbursement, free online banking, free bill pay, mobile deposit, Popmoney and more!

Bank Of Internet logo

MyBankTracker rated based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank. See how it’s rated.

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Customer Reviews

Most Helpful Bank Of Internet Bank Customer Reviews

  • BL
    Reviewed By Bill L. Sep 9, 2013

    Customer Service is poor

    I lost my debit card this weekend. No live Customer Service after six or weekends. Chat isn't available until 11:00 CST and only on week days.

    I've called five times today and either get a busy signal or they hang up when i select speak to a representative. answer the phone.

    Thank you for your feedback Is this review helpful?
  • DH
    Reviewed By Donna H. Aug 6, 2012

    What an easy bank!!

    Bank of Internet has been such a positive experience for me. I have my checking account with them and it has been so easy! I pay ALL of my bills from this account (for free). I use their FinanceWorks to track my expenses and bills. The free features like money transfers, deposits, and ATM reimbursements make this account so easy and free to use. My last bank made lots of promises...Bank of Internet delivers!!

    Thank you for your feedback Is this review helpful?
  • D
    Reviewed By DPDLEM Jun 17, 2015

    Unreasonable Holds on Mobile Deposit and Mail in Deposits

    PROS - Mobile Banking, Customer Account Rep, ATM Fees Reimbursed

    CONS - Holds on Mobile deposits are a minimum of 4 business days but if the mobile deposit or mail in deposit is larger than $5,000, then the hold will be 7 business days. This is excessive and causes cash flow problems. Holds on mail in deposits are 2 business days but if the mail in deposit is greater than $5,000, the hold will be 7 business days. The 2nd, 4th or 7th business day will end on that specific day at 11:59:59 p.m. and no earlier. It is computer driven and people including management at the bank can't release the holds any earlier even if they wanted to do it for you.

    I have been banking with B of I Federal for about 1 year. Thought I was doing the right thing. Really researched before making the decision. It's a bad idea for businesses wanting a business checking account who depend on cash flow to run a business.

    I highly recommend choosing a large national brick and mortar bank OR a local bank where you can interact with a real human being face to face.

    No more internet, non-local banks for me ever again.

    Thank you for your feedback Is this review helpful?

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  • Type Fee National Average
  • Monthly Inactivity N/A
  • Non-Sufficient Fund (Overdraft) N/A 0
  • Stop Payment item N/A 0
  • Return Deposit N/A 0
  • Domestic Wire Transfer (Outbound) N/A 0
  • Domestic Wire Transfer (Inbound) N/A 0
  • Non-Bank ATM N/A