Bank X offers two deposit products:

X checking and X savings
Click on either type of account to learn more and apply.

To order checks, you can simply log in to Online Banking and look under the Accounts tab. Click on the account for which you want to order checks, then under the Details tab you’ll be able to order checks on the right-hand side of the page.

Need to deposit cash, but not a local customer? No problem! Deposit cash seamlessly into your account by using Reload @ the Register.

Please go to https://www.attheregister.com/ to see a full list of participating locations.

Local customers can also use Reload @ the Register, but are still welcome to visit our branch between the hours of 9am - 5pm Monday to Friday to deposit cash as well. We are located at:
4350 La Jolla Village Dr Suite 140
San Diego, CA 92122
ATM Deposits are only available at the address above.

Bank X’s parent company, BofI Federal Bank, offers a wide variety of business accounts including, Checking, Money Market and Certificate of Deposit accounts.

Click here to view our Business Banking products.

To send an outbound wire from Bank X, please complete our Wire Form and fax it to 1-858-350-0443 or log into Online Banking and send the completed form as an attachment in a secure email. Outbound wires must be to the credit of the Bank X account holder.

Wire transfer fee Incoming (Domestic & International) - Free
Wire transfer fee Outgoing (Domestic) - $35.00
Wire transfer fee Outgoing (International) - $45.00

Wire cut-off times:
Domestic – 12:00 p.m. (PT)
International – 12:00 p.m. (PT)

To send wired funds into your Bank X account, you will need the following information:
Bank X ABA/Routing Transit Number – 122287251
Bank X
4350 La Jolla Village Drive, Suite 140
San Diego, California 92122

Incoming international wires must be in US dollars. Our intermediary Bank Information is as follows:
Pacific Coast Bankers' Bank
San Francisco, CA 94104
ABA Number: 121042484

Bank X does not offer cash back rewards, but our sister brand does! Visit Bank of Internet USA to find out more about Purchase Rewards.

The bank's routing number (also known as the institution number) is: 122287251

You may request a replacement ATM/Debit card one of the following ways:
Secure Form in Online Banking
Secure Message in Online Banking
Phone: Contact a Direct Banker at 1-877-247-8018

* Please see our Schedule of Deposit Account Fees and Terms for any fees associated with replacement of an ATM/Debit card.

You can use your Visa Debit card internationally anywhere a Visa card is accepted. There is a foreign currency conversion rate for all International Point of Sale (POS) transactions and ATM withdrawals. Please refer to our account disclosures for the rate. Please also keep in mind there could be additional fees imposed by the merchant or ATM used.

If you are planning on travelling, please contact the Bank by sending us a Secure Message through Online Banking, letting us know the dates of your travel to ensure full uninterrupted usage of your Card internationally.

With Mobile Banking, Bank X customers can access and use the same features available through Bank X’s Online Banking, such as reviewing account balances, transferring funds and paying bills. Our Mobile Banking offers you additional convenience with 24/7 accessibility. Mobile Banking is available to all Bank X Online Banking users.

To download the Mobile Banking App we invite you to choose one of the following options:
Click here to download the Mobile Banking App.
Or you can go directly to the App Store on your iPhone, iTunes® or Google Play; and search for Bank X.

Making a mobile deposit is quick and easy, simply download the Mobile app from the Google Play store, or Apple iTunes store.

After you download the mobile app, follow these three easy steps:

  1. Log into the Mobile App
  2. Tap on deposit
  3. Follow the directions on the screen

Make sure you are in a well-lit area when taking the picture of your check.
Placing the check on a dark background will also help your camera pick up the check image.
If you tap the screen while taking a picture your phone will automatically focus in on the check.
Make sure to check your mobile app store for the latest version of the app.


  • Deposit Item Limit: $10,000
  • Daily Limit per business day: $10,000
  • 30-day rolling limit: $50,000

Some examples of unacceptable deposits:

  • Foreign checks
  • Savings bonds
  • Third party checks
  • Stale dated or postdated checks

Some examples of acceptable deposits:

  • Personal check
  • Business check
  • Cashier's check
  • Money order

Still having trouble? Send us a Secure Message through Online Banking with a brief description of your issue and your mobile device model. A troubleshooting expert will be in contact with you within 1-2 business days.

To enroll in direct deposit, please complete our direct deposit form. You can access this from the Resources menu on the Bank X homepage, under Bank Forms. Fill out the form and give it to your employer or other funds originator.

To set up direct deposits or send a wire to your account use the Bank routing and transit number: 122287251, as well as your account number.

Direct Deposit may take up to three pay periods to take effect.
It is recommended that you leave your prior account open until all direct deposits and direct debits have been switched to your new bank account.

Note: Some organizations may require a specific form to initiate a direct deposit. Check with the originator of funds to see if a specific form is required.

In accordance with Regulation CC, all checks deposited are subject to a hold period depending upon the type of check deposited and your relationship with the Bank. Please review your Bank disclosures located on the main homepage for more details.

We accept applications from US residents only, who have all the following:
Physical address in the domestic United States or outlying U.S. territory
Valid State ID or Driver’s License
Valid Social Security/Tax identification number

You can check your account balance the following two (2) ways:
Login to Online Banking
Download the Bank X mobile app from the app store and login to mobile banking

A link to our Disclosures can be located in many areas of the website:
In the Resources tab, under Disclosures
In the black bar at the bottom right of the page, under Disclosures
Alternatively, you can click here

You can set up external transfers in Online Banking.
Please note that a transaction in the In Process status is counted towards your daily limit and will affect the dollar amount of your next transfer.

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 30 day rolling period $5,000.00

Reimbursement of the ATM fees is dependent upon the type of account you have.
Bank X checking accounts reimburse 100% of the ATM fee, no matter what ATM you use, by the end of the next business day (excludes international ATM transactions).
The Bank X savings account does not provide ATM reimbursement.

As a branchless bank, your everyday banking is available to you at your home, office, and anywhere you have your mobile phone. You can access your account anywhere you can log online any day, anytime. Our Direct Bankers are also available to you 24/7, except for Thanksgiving Day and Christmas Day.

The Bank's branchless banking model allows the Bank to pay its savings forward to our customers by offering:

  • Great rates
  • Quality customer support
  • Easy access, all the time
  • Time-saving bill pay services
  • Flexible options to access your funds
  • Peace of mind, backed by the FDIC

Local customers are welcome to visit our headquarters located at:
4350 La Jolla Village Dr Suite 140
San Diego, CA 92122

Our office hours are 9am - 5pm Monday to Friday.

Bank X does not currently offer credit cards.

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