In this video, Motley Fool analysts Matt Koppenheffer and David Hanson discuss the potentially disruptive Bank of Internet (NASDAQ:BOFI). The bank's online-only business model may seem foreign to those used to visiting a branch for banking transactions, but it drastically lowers the company's overhead, meaning it can pass those savings along to its customers in the form of higher interest rates for customer accounts. Matt tells investors why he finds this to be an interesting investment but also pinpoints his concerns.

David Hanson and Matt Koppenheffer have no position in any stocks mentioned. The Motley Fool recommends and owns shares of BofI Holding and Wells Fargo. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.