earn.bank


Overview / Commentary
844-371-3276
4250 Executive Sq Suite 300
La Jolla, CA 92037

Related Posts

earn.bank Nudges Money Market Account APY To 2.46% - 4/26/2019

earn.bank (internet bank) has increased the rate on its Money Market Account to 2.46% APY on all balances. Minimum opening deposit is now $10k.

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 (2)

Great Experience

Posted by: LBucci01 | 2 hours ago

I found it to be quite easy to open the online account. Customer service emailed with any additional information they needed and once my external account was verified and they had everything they needed, the funds were transferred immediately. Had to call customer service once and they were pleasant and very accommodating. So far so good! Now just waiting to collect that first months interest; can't beat that money market rate!

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

Health Grade Components

Overall
FDIC Certificate #27330
Year Established1988
Employees195
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.27%
Return on Equity - YTD15.77%
Annual Interest Income$72.7MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$2.00B$1.89B
LoansQ4 2018vs Q4 2017$943.4MM$879.7MM
DepositsQ4 2018vs Q4 2017$1.80B$1.78B
Equity CapitalQ4 2018vs Q4 2017$195.4MM$92.3MM
Loan Loss AllowanceQ4 2018vs Q4 2017$6.7MM$8.2MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$7.0MM$2.6MM
Real Estate OwnedQ4 2018vs Q4 2017$31.00K$2.3MM
Rates
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earn.bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.46%--Money Market Account

earn.bank CD Rates

APYMINMAXACCOUNT NAMEVIEW 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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