Answer:
A virtual bank
Explanation:
"Brick-and-mortar" is a term used to describe a typical street-side business that sells products and services to consumers in person in an office or store that the company owns or rents. With a virtual bank are transactions are handled over the Internet, email, mobile check deposit, and ATM machines. Because there are no physical branches, a virtual bank is not a "brick-and-mortar".
