My eBanc

Overview / Commentary
169 Miracle Mile, Suite R10
Coral Gables, FL 33134

My eBanc is the 396th largest bank in the nation. It was established in 1973 and as of December of 2019, it had grown to 173 employees. My eBanc's money market rates are 2X the national average, and it has a B+ health rating.

Related Posts

My Ebanc Erelationship Savings Drops From 1.40% To 1.20% APY - 6/22/2020

I posted this yesterday but the post was deleted. I'd love to know why it was removed.

Rate Drops - Highest Rate Now 1.75% APY - 3/6/2020

eRelationship Savings Account 1.75% APY* for balances of $100,000.00 and above 1.65% APY* for balances below $100,000.00 $25,000 USD Minimum Opening Deposit *Annual Percentage Yield (APY) is accurate as of 03/06/2020

My eBanc 11-Month Flex Time Deposit New No-Penalty CD Rate Leader - 11/9/2019

My eBanc's (internet bank) 11-month Flex Time Deposit currently earns 2.00% APY ($100k min) and 1.90% APY ($10k min). Two penalty-free partial withdrawals permitted.

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Excellent Financial Choice

I decided after a recommendation from a close work colleague to do business with BAC Florida Bank a few years back. I've never had a problem with their timely and professional customer service, and I would strongly recommend them to a friend. One story in particular that stands out in my mind is when I had a whole mess of bills all go through at once and this caused an overdraft of my account. I started seeing the overdraft fees popping up and with each transaction, a new overdraft fee would follow. I immediately transferred money into the checking account and spoke with one of their representatives. Unlike other banks, because these guys are awesome, they said they understood the issue, and did not want to lose me as a customer, so they refunded all but one of the fees! I couldn't have been more happier at the time, and I couldn't be happier with them now. Great company.

BAC Florida Bank Goes Above And Beyond

Being new to having a savings account I decided to bank with BAC Florida. A few family members already used that bank, while there were a few local branches in the neighborhood. So after such positive reviews I opened an account which was a very hassle free experience. I was treated with respect since I walked through the door, while greeted by a friendly professional banker. She explained to me how much I needed as a minimum deposit. For only $100, I.D. and social security card I was the new owner of a savings account. I had never opened a savings account before because I was scared of paying fees if I ever needed to spend the money and my balance reached zero. To my surprise the banker at BAC Florida assured me there was no minimum deposit requirements. Plus I could bank online and from my phone. I can honestly say I would give them two thumbs up for going above and beyond to help first-time account holders like myself.


Posted by: |

I trusted some money due to highest APY with reasonably respected bank. But, try to add an account or do anything on their website and it must have 20yo programmers. I have to call each time. If i send a message, i get a response in broken English which questions professionalism in my opinion. The answer from Cust. Serv was something like, "you cannot add from that site/address....that's only for looking at accounts..." I WAS LOGGED IN AND COULD NOT DO ANYTHING ...I HAD TO RETURN TO "X"!!!???

Never Open The Account With BAC Florida Bank

Posted by: |

Be careful, very small bank with terrible services. No 1099 on time. No statement. And high penalty !



Health Grade Components

FDIC Certificate #21265
Year Established1973
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.38%
Return on Equity - YTD14.35%
Annual Interest Income$95.6MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$2.26B$2.24B
LoansQ4 2019vs Q4 2018$1.75B$1.71B
DepositsQ4 2019vs Q4 2018$1.84B$1.84B
Equity CapitalQ4 2019vs Q4 2018$225.7MM$205.9MM
Loan Loss AllowanceQ4 2019vs Q4 2018$16.9MM$17.1MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$6.2MM$4.9MM
Real Estate OwnedQ4 2019vs Q4 2018$3.9MM$3.1MM
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

My Ebanc Erelationship Savings Drops From 1.40% To 1.20% APY

I posted this yesterday but the post was deleted. I'd love to know why it was removed.

Report an Issue

Always verify rates and promotions with the bank or credit union. We are not My eBanc; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

My eBanc Savings Account Rates

1.00%--eRelationship Savings Account (Online only)

My eBanc Money Market Rates

0.90%--Super Saver Money Market Account

My eBanc Checking Account Rates

0.50%--Advantage Checking Account

My eBanc CD Rates

1.00%$5k-12 Month Online Time Deposit
1.00%$5k-24 Month Online Time Deposit
1.00%$5k-36 Month Online Time Deposit
1.00%$100k-24 Month Jumbo Online Time Deposit
1.00%$100k-36 Month Jumbo Online Time Deposit
1.00%$100k-12 Month Jumbo Online Time Deposit
0.90%$5k-18 Month Online Time Deposit
0.90%$100k-18 Month Jumbo Online Time Deposit
0.90%*$100k*-11 Month Online Flex Time Deposit
OTHER TIERS: 0.75% $10k - $100k
0.80%$5k-6 Month Online Time Deposit
0.80%$100k-6 Month Jumbo Online Time Deposit

My eBanc is an Internet only bank and does not have branch locations. Its headquarters is located at 169 Miracle Mile, Suite R10 - Coral Gables, FL 33134

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