Most Popular earn.bank Account

Account Type	APY	Account Name	Min	Max
Money Market	2.41%	Money Market Account	-	-	Details »

Overview / Commentary

www.earn.bank

844-371-3276

4250 Executive Sq Suite 300
La Jolla, CA 92037

earn.bank Money Market Account Leads With 2.41% APY - 1/18/2019

earn.bank (internet division of Silvergate Bank) has increased the rate on its Money Market Account to 2.41% APY on all balances. Minimum opening deposit is $100.

earn.bank Money Market Account Earns New APY - 12/7/2018

earn.bank (internet division of Silvergate Bank) has raised the rate on its Money Market Account to 2.31% APY on balances. Minimum opening deposit is $100.

Reviews (1)

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Difficulties Opening An Account

Posted by: Yulia37 | Jan 7, 2019

I tried to open a new account, but when it came to verify my external account , earn bank system would not recognize my phone number which was necessary to sign in with verification code. So I could not sign in . I tried calling their phone number, only recording with heavy foreign accent to leave a message, no information about what are their phone hours. Nobody ever callled back. I am concerned if there is any other problem, and you cannot reach anyone to help, and might wind up with no way accessing your money.

Customer service contacted me both by phone and letter, and apologized. They explained that their verification system works differently. I will try to proceed with an account opening one more time.

Health

Data as of Q4 2018

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	27330
Year Established	1988
Employees	195
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.27%
Return on Equity - YTD	15.77%
Annual Interest Income	$72.7MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$2.00B$1.89B
Loans	Q4 2018vs Q4 2017	$943.4MM$879.7MM
Deposits	Q4 2018vs Q4 2017	$1.80B$1.78B
Equity Capital	Q4 2018vs Q4 2017	$195.4MM$92.3MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$6.7MM$8.2MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$7.0MM$2.6MM
Real Estate Owned	Q4 2018vs Q4 2017	$31.00K$2.3MM

Rates

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Money Market
CD

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earn.bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.41%	-	-	Money Market Account

earn.bank CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.30%	$25k	-	1 Year CD
2.30%	$25k	-	2 Year CD

Locations

earn.bank is an Internet only bank and does not have branch locations. Its headquarters is located at 4250 Executive Sq Suite 300 - La Jolla, CA 92037

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