Founded in 2003, Torrey Pines Bank is a full-service financial institution that offers various personal and commercial investment and lending solutions for business owners, professionals and individuals. The bank provides checking and savings accounts. Its range of products includes automobile, construction, home equity and mortgage loans. Torrey Pines Bank also issues certificates of deposit. It offers online and automated telephone banking services, as well as cash management tools. In addition, the bank provides ATM, debit and credit cards for its account holders. Torrey Pines Bank offers online fund transfer and bill payment options. The bank is a member of the Federal Deposit Insurance Corporation and an Equal Housing Lender. Torrey Pines Bank is operated by Western Alliance Bancorporation, which is a bank holding company.