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My eBanc

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

My eBanc is the 377th largest bank in the nation. It was established in 1973 and as of March of 2019, it had grown to 187 employees. My eBanc's money market rates are 5X the national average, and it has an A health rating.

Related Posts

My eBanc Ups Super Saver Money Market To 2.25% APY - 3/8/2019

My eBanc has raised the rate on its nationally available Super Saver Money Market – 2.25% APY ($100k+) and 2.00% APY (less than $100k). $5k min opening deposit.

2% APY Savings Acct - But Most Hold CD To Qualify - 10/3/2018

My eBanc now offers a relationship savings account that offers a 2% APY for $100k min - but you must also hold a time deposit (CD) to qualify. Lesser APYs earned for lower than $100k, going down to 1.6% APY. Must maintain $25k minimum to avoid low balance fee of $15.

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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: alanbones | Mar 24, 2017

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: Melindali | Mar 27, 2019

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 - YTD1.26%
Return on Equity - YTD13.56%
Annual Interest Income$23.9MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$2.27B$2.16B
LoansQ1 2019vs Q1 2018$1.76B$1.66B
DepositsQ1 2019vs Q1 2018$1.85B$1.76B
Equity CapitalQ1 2019vs Q1 2018$213.1MM$185.7MM
Loan Loss AllowanceQ1 2019vs Q1 2018$17.4MM$16.9MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$6.9MM$5.9MM
Real Estate OwnedQ1 2019vs Q1 2018$3.2MM$2.6MM
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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

2.40%*$100k*-eRelationship Savings Account (Online only)
OTHER TIERS: 2.15% Up to $100k

My eBanc Money Market Rates

2.25%*$100k*-Super Saver Money Market Account
OTHER TIERS: 2.00% Up to $100k

My eBanc Checking Account Rates

0.50%--Advantage Checking Account

My eBanc CD Rates

2.60%$5k-12 Month Online Time Deposit
2.60%$100k-12 Month Jumbo Online Time Deposit
2.55%$5k-24 Month Online Time Deposit
2.55%$5k-36 Month Online Time Deposit
2.55%$100k-24 Month Jumbo Online Time Deposit
2.55%$100k-36 Month Jumbo Online Time Deposit
2.50%$5k-18 Month Online Time Deposit
2.50%$5k-6 Month Online Time Deposit
2.50%$100k-6 Month Jumbo Online Time Deposit
2.50%$100k-18 Month Jumbo Online Time Deposit
2.40%*$100k*-11 Month Online Flex Time Deposit
OTHER TIERS: 2.30% $10k - $100k

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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