My eBanc is the 388th largest bank in the nation. It was established in 1973 and as of June of 2022, it had grown to 232 employees. My eBanc's money market rates are 10X the national average, and it has an A health rating.
Been with this bank for about 10 years now. They offer excellent rates and even better customer service. Hugo is always very attentive and makes every effort to cater to my needs. Since I use this bank mainly to park funds long term I cannot comment on day to day banking experiences here but the few times I have had to take care of minor banking issues it has been taken care of immediately. I do wish they had a more user friendly website though! My only negative feedback would be that one is only allowed to withdraw $10K per day/$30Kpm online or pay $40 for a wire transfer. But I will live with it since I really like and trust this bank!
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"!!!???
Long delay in getting back status on ticket or no response at all
Looks like the 5.23% 12-month and 18-month CDs didn't last long and neither did their 4.97% 6-month CD. Oh, well.
Overall | |
---|---|
FDIC Certificate # | 21265 |
Year Established | 1973 |
Employees | 232 |
Primary Regulator | FDIC |
Profit Margin | |
---|---|
Return on Assets - YTD | 0.79% |
Return on Equity - YTD | 8.52% |
Annual Interest Income | $41.2MM |
Assets and Liabilities | ||
---|---|---|
Assets | Q2 2022vs Q2 2021 | $2.95B$2.21B |
Loans | Q2 2022vs Q2 2021 | $2.17B$1.66B |
Deposits | Q2 2022vs Q2 2021 | $2.58B$1.85B |
Equity Capital | Q2 2022vs Q2 2021 | $263.8MM$252.7MM |
Loan Loss Allowance | Q2 2022vs Q2 2021 | $18.3MM$14.9MM |
Unbacked Noncurrent Loans | Q2 2022vs Q2 2021 | $1.5MM$6.9MM |
Real Estate Owned | Q2 2022vs Q2 2021 | $0$587.00K |
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
4.18%* | $100k* | - | eRelationship Savings Account | ||
OTHER TIERS: 3.30% → Up to $100k |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
4.18%* | $100k* | - | Super Saver Money Market Account | ||
OTHER TIERS: 2.99% → Up to $100k |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
0.05% | - | - | Advantage Checking Account |
My eBanc is an Internet only bank and does not have branch locations. Its headquarters is located at 169 Miracle Mile - Coral Gables, FL 33134