We're a digital bank that's been around since before online banking was cool - we launched on July 4, 2000, as one of the first fully digital banks in the country. Our founders chose Independence Day for a reason: they wanted to break free from the traditional banking model with its expensive branches and hidden fees. Today, we've grown to over $20 billion in assets while staying true to our digital roots. We're headquartered in San Diego, but we serve customers nationwide without the burden of a costly branch network weighing us down.
What we actually do is pretty straightforward: we offer checking, savings, mortgages, auto loans, and business banking through our website and mobile app. Our team builds the technology that makes banking work online - we're not just putting a mobile interface on an old bank system. We're publicly traded on the New York Stock Exchange (AX), FDIC insured, and we've been profitable for years because we don't have to pay for hundreds of physical locations. That means we can offer better rates and fewer fees to our customers.
