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NetBank, formerly named Atlanta Internet Bank (1996) and Net.B@nk (1998), was an American direct bank that operated between 1996 and 2007. Netbank suffered from bank failure and was closed by regulators on September 28, 2007. Its deposits were acquired by ING Group and the Netbank.com domain name was acquired by Axos Financial.
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The entire metro Atlanta region with area codes 404, 770, 678, 470, and 943 is a local calling area, one of the largest in the United States, without long-distance charges for calls between area codes. All calls in the area are dialed with ten digits.
Callers dial 1-800 (888 or 866)-FREE411 [373-3411] from any phone in the United States to use the toll-free service. Sponsors cover part of the service cost by playing advertising messages during the call. Callers always hear an ad at the beginning of the call, and then another after they have made their request.
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Area code 770 was therefore assigned to Atlanta's suburbs just three years later in August 1995, requiring ten-digit dialing between them, and with all mobile phones keeping 404. 678 was given to both the city and its suburbs in January 1998, becoming the first overlay area code in the state, and forcing mandatory ten-digit dialing for all calls.