Founded in 1988, Silvergate Bank is a California-chartered, full-service financial institution. The bank specializes in providing real estate lending and savings and depository services. It offers a variety of traditional and online products that include personal and business checking, savings and money market accounts; commercial, personal and mortgage loans; cash and wealth management plans; insurance and retirement solutions; certificates of deposit; and savings bonds. In addition to banking products, Silvergate Bank offers mobile and Internet-based banking services for instant account access, e-statements, e-money transfers, e-notifications and e-alerts, as well as transactions management and account research. The bank maintains multiple locations in La Jolla, Calif.