Deposits held and insured by Silvergate Bank

Overview / Commentary
4250 Executive Sq Suite 300
La Jolla, CA 92037
Deposits held and insured by Silvergate Bank

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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.

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Reviews (2)

Great Experience

Posted by: LBucci01 | May 19, 2019

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.


Data as of Q3 2019

Data displayed below is for insuring bank: Silvergate Bank
Learn why bank health matters

Health Grade Components

FDIC Certificate #27330
Year Established1988
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.49%
Return on Equity - YTD14.32%
Annual Interest Income$60.9MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$2.13B$2.15B
LoansQ3 2019vs Q3 2018$1.00B$871.9MM
DepositsQ3 2019vs Q3 2018$1.86B$1.96B
Equity CapitalQ3 2019vs Q3 2018$237.0MM$176.6MM
Loan Loss AllowanceQ3 2019vs Q3 2018$6.2MM$8.4MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$5.6MM$8.3MM
Real Estate OwnedQ3 2019vs Q3 2018$81.00K$41.00K
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earn.bank Money Market Rates

1.85%--Money Market Account

earn.bank CD Rates

1.15%$25k-2 Year CD
1.00%$25k-1 Year CD

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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