Overview / Commentary
305-789-8034
169 Miracle Mile, Suite R10
Coral Gables, FL 33134

My eBanc is the 386th largest bank in the nation. It was established in 1973 and as of December of 2018, it had grown to 186 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. https://www.myebanc.com/online-products/erelationship-savings-account/

My eBanc Ups 12-month Online Time Deposit Rate - 4/12/2018

My eBanc raised rates on its Online Time Deposit ($5k min) by 10-25 bps: 12-month (2.25% APY), 18-month (2.45% APY), 24-month (2.60% APY), 36-month (2.60% APY).

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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.

Why BAC Florida does the job the right way.

BAC Florida has always treated me right, even when its my mistake. I know they really value my business and for me that makes a big difference. I don't want to just feel like another number to a big bank. Its clear that they actually care about me and they want my business. Some of the bigger banks really don't care if you bank with them because they are so large. It reflects in their customer service for sure. BAC Florida goes above and beyond regular means and has given me discounts and canceled fee's just because of customer retention. That's rare today and it really makes me want to give them more business. Its a good feeling knowing my funds are safe and they also care about my best interest. They cut out the big bank fees and provide quality service.

WORST WEBSITE EVER!!!

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"!!!???

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Health

Health Grade Components

Overall
FDIC Certificate #21265
Year Established1973
Employees186
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.36%
Return on Equity - YTD15.3%
Annual Interest Income$88.1MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$2.24B$2.09B
LoansQ4 2018vs Q4 2017$1.71B$1.63B
DepositsQ4 2018vs Q4 2017$1.84B$1.71B
Equity CapitalQ4 2018vs Q4 2017$205.9MM$179.8MM
Loan Loss AllowanceQ4 2018vs Q4 2017$17.1MM$16.6MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$4.9MM$8.4MM
Real Estate OwnedQ4 2018vs Q4 2017$3.1MM$2.8MM
Rates
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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

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

My eBanc Money Market Rates

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

My eBanc Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--Advantage Checking Account

My eBanc CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.90%$5k-24 Month Online Time Deposit
2.90%$100k-24 Month Jumbo Online Time Deposit
2.80%$5k-36 Month Online Time Deposit
2.80%$100k-36 Month Jumbo Online Time Deposit
2.75%$5k-18 Month Online Time Deposit
2.75%$100k-18 Month Jumbo Online Time Deposit
2.70%$5k-12 Month Online Time Deposit
2.70%$100k-12 Month Jumbo Online Time Deposit
2.53%$5k-6 Month Online Time Deposit
2.53%$100k-6 Month Jumbo Online Time Deposit
2.30%$10k-11 Month Online Flex Time Deposit
Locations

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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