Deposits held and insured by Silvergate Bank

Overview / Commentary
4250 Executive Sq Suite 100
La Jolla, CA 92037
Deposits held and insured by Silvergate Bank
Reviews (2)

Great Experience

Posted by: |

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: |

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 Q1 2020

Data displayed below is for insuring bank: Silvergate Bank
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Health Grade Components

FDIC Certificate #27330
Year Established1988
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.95%
Return on Equity - YTD8.8%
Annual Interest Income$20.1MM
Assets and Liabilities
AssetsQ1 2020vs Q1 2019$2.31B$1.89B
LoansQ1 2020vs Q1 2019$1.11B$845.2MM
DepositsQ1 2020vs Q1 2019$2.02B$1.61B
Equity CapitalQ1 2020vs Q1 2019$246.2MM$206.1MM
Loan Loss AllowanceQ1 2020vs Q1 2019$6.6MM$7.0MM
Unbacked Noncurrent LoansQ1 2020vs Q1 2019$4.2MM$6.0MM
Real Estate OwnedQ1 2020vs Q1 2019$0$31.00K

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earn.bank is an Internet only bank and does not have branch locations. Its headquarters is located at 4250 Executive Sq Suite 100 - La Jolla, CA 92037

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