Wingspan Bank (branded as Wingspanbank.com) was a U.S. bank operating solely via the Internet from 1999 to 2001. It was a wholly owned subsidiary of Bank One. The CEO was Jim Stewart, previously of the parent bank's First USA division. The lack of physical presence was ultimately a negative for the bank. While customers were able to use Bank One ATMs for free, they could not use any physical bank branches. Non-electronic deposits had to be made via postal mail. The bank refunded up to $5 in ATM fees per month for customers not living in Bank One's footprint.