In operation since 1985, La Jolla Bank is a federally chartered savings bank, with full-service offices located throughout California and Texas. The bank offers a range of checking, saving and individual retirement accounts. It provides ATMs and debit cards and 24-hour telephone and Internet banking services. The bank also offers personal certificates of credit to its customers. La Jolla Bank provides fixed- and adjustable-rate mortgages for commercial and industrial clients. In addition, it provides a variety of loans for construction, real estate, automobile and other personal purposes. Headquartered in La Jolla, Calif., the bank operates several branch offices, including a location in Escondido, Calif.