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FAQ

New Customers

  • Is NetBank FDIC insured and financially sound?

    NetBank is a division of BofI Federal Bank, an FDIC insured financial institution established in 1999. You can review all financials and recent news at www.bofiholding.com. Bank products and services are offered by NetBank a division of BofI Federal Bank. NetBank and other BofI Federal Bank accounts are not separately insured by FDIC. To calculate your insurance coverage, use the FDIC online Electronic Deposit Insurance Estimator at: https://www2.fdic.gov/edie/index.html.

  • Do I have to have access to a computer and an email address to have an account?

    Yes. As an internet-based bank, you are required to have a current email address and access to a computer. When you apply for an account with NetBank you are asked to give your consent to receive communication and information in electronic form. NetBank is able to offer competitive rates and accounts due to the fact that we save money on being a branch-less bank and do not send out paper communication.

  • What are the fees associated with the accounts?

    NetBank fees are listed on our Schedule of Deposit Account Fees and Terms.

  • I am following the instructions on the email to get my Signature Card but the system is opening a new application. How do I get my Signature Card?

    The Signature Card is available from the original application anytime before the opening deposit for the new account is received. After the opening deposit is completed, we invite you to request a copy of your Signature Card by either of the following methods;

    • Secure message – log into your account, click on the Contact Us tab and then click on Click here to send an email link. An associate will reply to your request with your Signature Card attached.
    • Phone – contact a Direct Banker at 1-877-541-2634 during business hours Monday - Friday 6:00 a.m. to 6:00 p.m. (PT).

New Customers  >  Deposit Options

  • How do I fund an account?

    An account may be funded in one of the following ways:

    • ACH (electronic transfer) instructions may be entered into the account application
    • Using Mobile Deposit or MyDeposit services to deposit negotiable items; such as checks, money orders and Cashier Check. Refer to account disclosure for a list of unacceptable items.
    • Have your financial institution initiate a transfer of money to our Bank or send a wire to our bank using the NetBank routing and transit number: 122287251
    • Online Banking External Funds Transfer (Checking & Money Market Savings accounts only)
  • How do I make deposits into my account?

New Customers  >  Customer Service

  • How do I contact NetBank?

    There are many ways that you can contact NetBank:

    • Secure message – log into your account, click on the Contact Us tab and then click on Click here to send an email.
    • Phone: Contact a Direct Banker at 1-866-759-7661 during business hours Monday - Friday 6:00 a.m. to 6:00 p.m. (PT).
    • Fax: NetBank at 1-858-350-0443.
    • USPS to:
      NetBank
      P.O. Box 509127
      San Diego, CA 92150-9948
    • Click the Contact Us tab and then click Email. Please note this is not a secure message facility and we strongly recommend that you never send confidential information using this method.
    • Email us at customerservice@netbank.com. Please note, unless you use secure messaging functionality, we strongly recommend that you never send confidential information using regular email.

New Customers  >  Checks/Debit Card

  • How do I order checks for my account?

    You can re-order checks online using the following directions:

    • Log into your Online Banking account
    • Click on the Online Services and e-Statements tab
    • Select the account from the drop down menu
    • Click the Enter button
    • Follow the on screen prompts to complete the order
  • What are the ATM/Debit card daily limits?

    The daily limits for ATM/Debit cards are:

    • Cash or Point-of-Sale transaction from ATM: $310.00
    • Point-of-Sale transaction using your Check Card: $500.00
  • I just opened a new account, when will my debit card be issued?

    Your VISA® Debit card and PIN are issued the day after a new account application is approved. For security purposes, the VISA® Debit card and PIN are sent from separate distribution centers and will arrive in the mail (separately) within 10 business days from the issue date.

  • I just opened a new account, when will my checks be issued?

    Your initial 50-pack of checks will be sent by Parcel USPS delivery the day after the Bank receives the new account Signature Card. Please allow 11-14 business days for your check order to be delivered.

  • How do I customize my debit card PIN?

    The PIN mailer assigned to your VISA® Debit card will include a reference number. This reference number is what allows a customer to choose their own PIN.

    The reference number for newly issued PINs is valid for thirty (30) calendar days after the issue date. Once a new PIN is created, the new PIN will not become effective for at least one hour.

    Simply call (855) 584-1267 (this number is included in the PIN mailer) and enter the reference number to change your PIN.

New Customers  >  Account Applications

  • How do I open an account?

    From the Home Page, select your product and then Click the OPEN ACCOUNT button and follow the instructions to complete your online account application.

    You can only open an account online. At this time, NetBank does not accept account applications via the telephone or email. This allows us to pass on these cost savings to provide competitive rates and fee free product features to you.

  • My account application is under review. What is the next step?

    NetBank will contact you by email or phone within one business day regarding your online application advising you what requirements are needed to complete the online account process.

  • I do not live in the United States. Can I open an account with NetBank?

    We accept applications from US residents who have a valid State Identification Card and a Social Security/Tax identification number.

New Customers  >  Trust/Minor Accounts

  • Do you offer accounts for minors?

    A minor may have a Savings Account opened by a custodian who must be at least 18 years of age, have a valid social security number and be a U.S. resident. Opening an account for a minor is a two-step process;

    Step 1: The custodian will apply as individual owner.

    Step 2: After the account has been approved and opened, an Account Vesting Change form must be submitted. I am providing a direct link to the Account Vesting Change form located on our website;

    account-vesting-change.pdf

  • How do I open a Trust Account?

    Opening an account for a trust is a two-step process;

    Step 1: The trustee(s) will apply for a new account as individual owner(s).

    Step 2:  After the account has been approved and opened, a Certification of Trust form must be submitted. You may use the link provided to access the Certification of Trust form;

    certification-of-trust.pdf

Online Banking

  • Does the Bank have a Direct Deposit form?

    Yes, the Bank’s Direct Deposit form is available on our website by clicking Online Banking Forms from the Customer Support tab. Please use the following link to access the form directly:

    bofi-direct-deposit.pdf

  • Why does my Online Banking ID default to my Social Security Number? Can I change it?

    The Online Banking ID will only temporarily default to your Social Security Number to allow the Online Banking system to recognize the User’s ownership of any accounts. The next step in the registration process will instruct you to choose a new Online Banking ID.

Online Banking  >  Access

  • What if I have forgotten my Online Banking ID?

     

    Customer can also retrieve it by the following steps

    • Click the Forgot Your Password link from the Online Banking Login page
    • Click I forgot my username
    • Enter your email address and click Send

     

  • What if I have forgotten my Online Banking password?

    • Click the Forgot Password link from the Online Banking Login page
    • Enter your Online Banking ID in the Forgotten Password Reset screen
    • Click Continue. The Enhanced Login Security screen will appear
    • Click the link Click Here under the Having Trouble section to retrieve your security questions
    • Answer your security questions and click Continue, you will be prompted to enter a new password
    • Enter your new password and click Continue, a confirmation of the change will appear
    • Log into Online Banking using your Online Banking ID and new password
  • How do I access Online Banking?

    Simply register as a New User from the Bank’s homepage to access your account via the link provided:

    Login

    Please note that after you have entered your personal information your social security number will pre-fill in the Online Banking ID. The next step in the process will instruct you to choose a new Online Banking ID and from there you will set up your enhanced security features. These features will be used in the event you forget your password, or login using a new computer.

  • I am trying to reset my password and the system is sending my access code to an email/phone number that isn’t mine. Has my account information been compromised?

    Rest assured your account information has not been compromised. For security purposes, the Bank’s Online Banking system is designed to display false Enhanced Security Information to Users that have not entered a valid Online Banking ID during the Password Reset or have not completed the Enhanced Security registration. We recommend using the Bank’s Online Banking ID Recovery tool to ensure you are attempting to reset the password for the correct Online Banking ID.

  • I cannot register for Online Banking. Why do I receive Customer Verification Error #1504?

    Online Banking is accessible to new customers the following business day from the date a new application is approved.

  • The Secured Message system asks me to login account again. How can I send a Secure Email?

    Please ensure 3rd party cookies are not being blocked by your browser. The Online Banking system will properly allow you navigate to the Secure Email system and other areas within Online Banking after 3rd party cookies within your internet browser’s Privacy Preferences are accepted.

Online Banking  >  Transfers

  • What are the limits for External Transfers?

    We do not limit the number of funds transfers you may make; however, you may not make funds transfers in excess of the number of funds transfers allowed by the rules governing the applicable Accounts. The dollar limits at registration are:

    Maximum per day in or out $2,000.00
    Maximum per month $5,000.00

    You may not make funds transfers in excess of limits described on the Service. We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our Service.

  • What are the qualifications for next-day External Transfers?

    For Next-Day transfers the following qualifications apply to your individual accounts:

    1. You have had no negative transaction history (transaction returns) through the Funds Transfer service.
    2. Your external account involved in the Next-Day transfer request must have more than 60 days ago, completed at least one transfer into one of your NetBank accounts for $500 or more.
    3. If you are conducting a Next-Day transfer out of one of your NetBank accounts, that account must have an available balance of $750 more than the dollar amount of your transfer request.
    4. If you are conducting a Next-Day transfer into one of your NetBank accounts, that NetBank account must have an available balance of at least $750.​
  • What is Popmoney and how does it work?

    Popmoney is an innovative payment service that eliminates the hassles of checks and cash. Now, sending and receiving money is as easy as emailing and texting. Best of all, you don’t need a new account to send or receive money. Just use your current account.

    Sending Money: To send money, Log into Online Banking and click Transfers on the blue bar, then click External Transfer, then click Select under Pay Other People. Send money to anyone using his/her email address, mobile number or bank account information. You will be notified when the transaction is completed.

    Receiving Money: You receive an email or text message telling you someone sent you money. Log into Online Banking and direct the funds to the account of your choice.

    Otherwise, you can provide your bank account information at Popmoney.com. Your money will be sent to that account.

    If you don’t provide your account information, the payment will be automatically returned to the sender’s account.

    Money sent to a bank account will be automatically deposited there.

    It’s just that easy!

  • The External Bank Transfer section in Online Banking is blank. How can I schedule an external transfer?

    Please ensure 3rd party cookies are not being blocked by your browser. The Online Banking system will properly allow you navigate to the Secure Email system and other areas within Online Banking after 3rd party cookies within your internet browser’s Privacy Preferences are accepted.

  • Can I transfer money to another NetBank account I do not own?

    Please contact the Bank directly by either of the following methods to process the a transfer from your NetBank account to another customer’s account;

    • Secure message – log into your account, click on the Contact Us tab and then click on Click here to send an email link.

    • Phone – contact a Direct Banker at 1-877-541-2634 during business hours Monday - Friday 6:00 a.m. to 6:00 p.m. (PT).

Online Banking  >  Bill Pay

  • Bill Pay: can I pay a person or business if I don’t have an account number?

    Yes, you don’t need an account number to make a payment.

  • Bill Pay: can I cancel a payment?

    In most cases, you can cancel an electronic payment 3 days or more prior to its deliver-by date and you can cancel a check payment 5 days or more prior to its deliver-by date. To cancel a payment, click the Cancel link in the Pending Payments section on the Make Payments page.

  • Bill Pay: who has access to my personal information?

    You are the only person who can authorize payments to be issued by us against your account. Our representatives access your account information on a need-to-know basis, and only with your approval.

  • Bill Pay: when will an authorized payment be debited from my account?

    If the payee is being paid with either a paper check or an electronic payment, the amount of the payment will be deducted from your account within 2 business days of the payment processing date.

  • Bill Pay: how do I pay someone new?

    Just enter the name of the person or business you want to pay in the Pay Someone New entry box and click Add. Next, provide the required information and click Continue. If we need additional information, a second Pay Someone New window appears. That’s it – the person or business will be added to your list, ready to be paid.

  • Bill Pay: can I make a payment to anyone?

    Yes, you can pay anyone including your cable company, doctor, or Uncle Charlie.

  • The BillPay section in Online Banking is blank. How do I pay my bills?

    Please ensure 3rd party cookies are not being blocked by your browser. The Online Banking system will properly allow you navigate to the BillPay system and other areas within Online Banking after 3rd party cookies within your internet browser’s Privacy Preferences are accepted.

  • What are the BillPay transaction limits?

    There is a per transaction limit of $9,999.00 and a daily limit of $19,999.00.

Online Banking  >  Statements

  • How can I access my monthly statement?

    Your official eStatements can be accessed within Online Banking by clicking the View Statement option on the Online Banking homepage or by completing the following instructions;

    1. Login to Online Banking

    2. Click Additional Services on the main menu

    3. Click Products and Services

    4. Under the Online Statements section, select the account you wish to view from the drop-down menu and click Enter on the main menu

Online Banking  >  MyDeposit

  • What is MyDeposit?

    MyDeposit is a revolutionary service which allows you to deposit checks directly into your account from the comfort of your home or office! Using your internet-connected computer and almost any scanner, both business and personal checks can be deposited with just a few simple steps.

    For a comprehensive Overview, System Requirements, Instructions and FAQs, Log into Online Banking, click on MyDeposit in the blue bar, then click HELP.

  • What are the daily limits for MyDeposit?

    You can deposit up to $5,000 per day using MyDeposit. You can deposit multiple checks not to exceed this daily limit amount.

  • My check won't scan, what should I do?

    • Ensure you are logged into Online Banking under your own name.
    • Confirm you have endorsed the back of the check.
    • Make sure you place the check in the same corner of the scanning machine for both front and back scanning.
    • It may help to mark dots (about the size of a pencil eraser) on the four corners of the front and back of the check to help the scanner detect the outline of the check.
    • It is always worth trying these simple tips before you make the decision to send your check deposit by mail to:
      NetBank
      P.O. Box 509127
      San Diego, CA 92150-9948

    For a comprehensive Overview, System Requirements, Instructions and FAQs, Log into Online Banking, click on MyDeposit in the blue bar, then click HELP.

Online Banking  >  Browser Help Guide

  • Supported Browsers

    For the best experience using Online Banking, please use one of the following supported browsers. Using beta versions or older versions may result in limited functionality within the site.

    Supported Browsers:

    • Firefox 4.0 +
    • Chrome
    • Internet Explorer 8+
    • Safari 6.0 +
  • Browser/Internet Requirements

    Browser/Internet Requirements

    • Minimum of 128-bit encryption capabilities
    • DSL or Cable internet connection
    • JavaScript enabled
    • Session/Permanent Cookies enabled

Mobile Banking

  • What can I do using a Mobile App?

    Mobile Banking is safe and convenient way to manage your deposit accounts on the go:

    • Check your account balances
    • View your account transaction history
    • Transfer funds between eligible accounts
    • Locate an ATM
    • Contact Customer Service
  • How do I get a mobile banking app?

    Our mobile banking app can be found here.

Mobile Banking  >  Mobile Deposit

  • Tell me about Mobile Deposit

    1. There are two requirements to use Mobile Deposit:
      a. Use an iPhone® or Android™ mobile phone
      b. Accept the Mobile Deposit Terms and Conditions
    2. The Mobile Deposit feature is located within the Mobile Banking App and can be downloaded via iTunes® or Android™ Market.
      You can deposit one check at a time. Once one deposit has been accepted, you can make another deposit, and so on. The check limit is $5,000, the daily limit is $5,000 and the rolling 30-day limit is $10,000.
    3. For same day processing, the cut off time is 3:00pm (PT) on any business day. The funds will be available per the Funds Availability Disclosure for Personal Accounts.
    4. It is recommended that the check be held for 90-days. It is NOT recommended that the check be VOIDED, just in case the Bank needs the original prior to destruction.
  • I just deposited a check via Mobile Deposit. When will I see the deposit in my account?

    After successfully submitting a deposit via Mobile Deposit, the system prompts you to provide an email address to send a confirmation of your transaction. The confirmation email is the only receipt provided by the system and the deposit will not be displayed as a pending transaction within Online Banking.

    Deposits submitted before 3:00 PM (PT) Monday through Friday, excluding Federal Holidays, will be eligible for same day processing. Deposits received after 3:00 PM (PT) will be processed at the end of the following business day. Successful mobile deposits will be visible within Online Banking the day after the transaction is processed. The funds will be available based on the outlines described in the Bank's Funds Availability Policy;

    /customer-support/disclosures#idf1

  • When will the funds from the Mobile Deposit be available?

    The funds will be available based on the outlines described in the Bank's Funds Availability Policy;

    /customer-support/disclosures#idf1

Mobile Banking  >  Text Message Banking

  • What is Text Message Banking?

    Text Message Banking makes it easy to access account balances and transactions, as well as transfer funds, right on your mobile phone. It’s the fastest and easiest way to get your account balances – anytime, anywhere.

    For more information Log into Online Banking and click on Account Access in the blue bar, then click on Text Banking & Alerts.

Existing Customers

  • What is the routing and transit number for NetBank?

    To set up direct deposits or send a wire to your account use the NetBank routing and transit number: 122287251

  • What are the transaction limits on my Savings account or Money Market account?

    Savings and Money Market Accounts have a maximum combined total of six (6) debit transactions per monthly statement cycle, subject to available balance. This limitation excludes ATM debit transactions, in-person debit transactions and all credit transactions.

    An Excess Transaction or Withdrawal Fee will apply.

  • Why did I receive an email that a hold has been placed on my check?

    Regulation CC requires financial institutions to inform a customer when a check hold has been placed. NetBank may delay the availability to funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. The email notice states when the funds will be available. Refer to the Funds Availability Policy.

  • How long of a hold will be placed on my check?

    The hold time is set out in the email notifying you of the hold. Refer to the Funds Availability Policy.

  • How do I activate my ATM or Debit card?

    You may activate your ATM or Debit card by:

    • Calling the automated telephone system any time of day at 1-866-759-7661
    • Using it in an ATM machine
    • Phone. Contact a Direct Banker at 1-866-759-7661 during business hours Monday - Friday 6:00 a.m. to 6:00 p.m. (PT).
  • How can I withdraw funds from my Savings Account?

    The NetBank Savings Account is a true savings account that does not have the range of options to move money like, say a checking account. The options to withdraw funds from your Savings Account are:

    • Use your ATM card at an ATM machine.
    • Initiate a transfer of money from another Financial Institution.
    • Initiate a wire transfer (Wire Transfer Form)
  • How do I report a lost or stolen ATM/Debit card?

    You may report a card lost or stolen in one of the following ways:

    • Phone. Contact a Direct Banker at 1-866-759-7661 during business hours Monday - Friday 6:00 a.m. to 6:00 p.m. (PT).
    • Secure message. Log into account, click on the Contact Us tab and then click on Click here to send an email.
  • How do I change my contact details?

    A change to your contact details may be completed in one of the following ways:

    • Secure Form – log into your account, click on the Secure Forms tab, click on Change of Contact Details, enter the new information and then click on Submit.
    • Secure message – log into your account, click on the Contact Us tab and then click on Click here to send an email link. Please include all of the updated contact information in your email.
    • Phone – contact a Direct Banker at 1-866-759-7661 during business hours Monday - Friday 6:00 a.m. to 6:00 p.m. (PT).
    • Fax – send instructions, containing a signature, to 1-858-350-0443.
    • USPS – send instructions, containing a signature, to:
      NetBank
      P.O. Box 509127
      San Diego, CA 92150-9948
  • How do I deposit cash?

    Cash deposits are only accepted at our institution in San Diego, CA

  • What are the early withdrawal penalties for your CDs?

    When you open a Certificate of Deposit Account, you agree to keep your funds in the account until the maturity date. Withdrawal prior to the maturity of the term selected will result in an early redemption fee which will substantially reduce the interest earned and could result in the loss of some principal.

    The CD early redemption fees may be found in our Truth and Savings Disclosure via the link provided below:

    /customer-support/disclosures

  • I am travelling and cannot contact you using your toll-free number. How can I reach you internationally?

    We understand how important it is to be able to contact NetBank by phone while traveling.  You may contact NetBank by using our direct phone number, 858-350-6200; as this is accessible via international long distance providers.  You may use this number 24 hours of the day, 7 days a week for round the clock access to your accounts or report a lost card via automated phone banking.  If you need to speak with a representative, our Direct Bankers are available to assist you Monday - Friday 6:00 am to 6:00pm (PT).

  • What are the fees for using my card in another country?

    There is a 2% transaction fee for all International Point of Sale (POS) transactions and ATM withdrawals. However, there could be additional fees charged by the merchant or ATM.

  • Should I notify the Bank of my travel plans?

    Yes! By notifying the Bank with your travel arrangements, the Bank can monitor your account for suspicious activities while you are away for your protection.

Existing Customers  >  Account Changes

  • How do I add someone to my account?

    Adding a signer to your account will be a two-step process:

    Step 1: Complete the Consumer Account Vesting Change form (front page and Section B) on our web site, the link below will take you directly to the form:

    account-vesting-change.pdf

    Step 2: Return the completed Consumer Account Vesting Change request for processing by;

    1. Mail to: BOFI Federal Bank P.O. Box 509127, San Diego, CA 92150-9948
    2. Fax to: 858-350-0443; or
    3. Sending a secure message via Online Banking with the form attached

    Your request will be processed within one business day on receipt of the Account Vesting Change form.

  • How do I close my account?

    Instructions for closing an account may be submitted using any of the following methods:

    1. By calling 877-541-2634; my colleagues and I are available from 6:00am to 6:00pm (PT) to take your call;

    2. Fax a signed request providing the account number and your instructions to; 858-350-0443;

    3. Send a secure message through Online Banking, stating the account number and your instructions; or

    4. Mail a signed request providing the account number and your instructions to Bank of Internet USA, P.O. Box 509127, San Diego, CA  92150-9948.

Existing Customers  >  Disputes

  • I don’t recognize a transaction on my account. How do I dispute the charge?

    If you do not recognize a transaction on your account, please contact the Bank immediately. We will begin investigating any unauthorized transactions immediately. At anytime we may request you to complete the Bank’s ATM/Debit Card dispute form, located by using the following link;

    atm-debit-card-dispute-affidavit.pdf

  • How long will my dispute take?

    We will advise you of the results of our investigation within 10 business days after we hear from you, and if we have made an error, it will be corrected promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question (90 days for transactions at a point of sale terminal or outside of the United States). If we decide to do this, we will provisionally recredit your Account within 10 days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.

Existing Customers  >  Beneficiaries

  • How do I add a beneficiary to my accounts?

    The beneficiary designation may be modified or deleted at any time as the beneficiary is not an authorized owner or signer. You can choose the most convenient option below to fulfill this request:

    1) Send a request through secure email in Online Banking providing the beneficiary name and date of birth.

    2) Complete the Consumer Account Vesting Change form (front page and Section C) and mail to BOFI Federal Bank P.O. Box 509127, San Diego, CA  92150-9948 or; fax to us at 858-350-0443.

    3) Provide a signed written request providing the beneficiary name and date of birth and mail to BOFI Federal Bank P.O. Box 509127, San Diego, CA 92150-9948 or; fax to 858-350-0443.

    4) Contact us toll free on 1-877-541-2634; my colleagues are available to take your call Monday - Friday 6:00am to 6:00pm (PT).
  • Can I change my beneficiaries?

    The beneficiary designation may be modified or deleted at any time as the beneficiary is not an authorized owner or signer. You can choose the most convenient option below to fulfill this request:

    1) Send a request through secure email in Online Banking providing the beneficiary name and date of birth.

    2) Complete the Consumer Account Vesting Change form (front page and Section C) and mail to BOFI Federal Bank P.O. Box 509127, San Diego, CA  92150-9948 or; fax to us at 858-350-0443.

    3) Provide a signed written request providing the beneficiary name and date of birth and mail to BOFI Federal Bank P.O. Box 509127, San Diego, CA 92150-9948 or; fax to 858-350-0443.

    4) Contact us toll free on 1-877-541-2634; my colleagues are available to take your call Monday - Friday 6:00am to 6:00pm (PT).

Existing Customers  >  Wires

  • How do I send or receive a wire?

    Sending a wire out from NetBank

    Currently NetBank does not offer outgoing wire transfers.

    Wiring funds into NetBank
    To wire funds into a NetBank account you will need the following information:

    NetBank ABA/Routing Transit Number – 122287251

    Address:
    NetBank
    4350 La Jolla Village Drive, Suite 140
    San Diego, CA 92122

    Incoming international wires must be in US dollars. Our intermediary Bank Information is as follows:

    Pacific Coast Bankers' Bank
    San Francisco, CA 94104

    SWIFT Code: PCBBUS66
    ABA Number: 121042484

    Ensure the wire is to the benefit of your name and your account number at NetBank. Wire cut-off time for same day processing: 1:00 p.m. (PT).

    Should you or your bank have any questions, please contact a Direct Banker at 1-866-759-7661 during business hours Monday - Friday 6:00 a.m. to 6:00 p.m. (PT).

Existing Customers  >  Overdraft Protection

  • How do I apply for Overdraft Protection?

    With Overdraft Protection from NetBank, your important check doesn’t bounce at all. It’s exactly the peace of mind you need. Best of all, if you never use our Overdraft Protection, it doesn’t cost you a thing.

    Choose from two types of Overdraft Protection:

    Option 1: Overdraft line of credit

    We’ll advance funds to your online checking account to cover an overdrawn check, up to the limit of your line of credit. Unlike many banks, we don’t charge an advance fee.

    For current accounts, get an application form here, then fax or mail the completed form.

    Once complete you can fax to 1-858-350-0443,  email to customerservice@netbank.com or mail it to the address listed on the form for bank approval.

    Option 2: Overdraft protection by linking accounts

    Link your online checking account to an online savings or money market account, Use the balance in the linked account to cover the shortfall in your online checking account (up to the full balance of the linked account).

    To set up: log in to your account and send us a secure message indicating the last 5 digits of the two account numbers you would like to have linked together. (Regulations limit savings and money markets accounts to a maximum of 6 transactions per month.)


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Bank products and services are offered by BofI Federal Bank. All deposit accounts through BofI Federal Bank brands are FDIC insured through BofI Federal Bank. All deposit accounts of the same ownership and / or vesting held at BofI Federal Bank are combined and insured under the same FDIC Certificate 35546. All deposit accounts through BofI Federal Bank brands are not separately insured by the FDIC from other deposit accounts held with the same ownership and / or vesting at BofI Federal Bank. For more information click here.