My eBanc

Overview / Commentary
169 Miracle Mile
Coral Gables, FL 33134

My eBanc is the 352nd largest bank in the nation. It was established in 1973 and as of March of 2023, it had grown to 228 employees. My eBanc's money market rates are 11X the national average, and it has an A health rating.

Related Posts

My eBanc 12-Month Jumbo CD APY Nears Rate-Leading Status - 9/18/2023

My eBanc (internet bank) has boosted its 12-month Jumbo Online Time Deposit APY to a near rate-leading level. $100k minimum deposit, with no stated balance cap.

12 Or 18 Month CD @ 5.23% APY. - 12/15/2022

My eBanc 12 or 18 month CD @ 5.23% APY. $5k min to open a CD.

My Ebanc 4.18% APY Savings & MMA - 12/15/2022

100K minimum, 4.18% APY is the new highest rate Not sure if this is good or not, they went up and down and up in a matter of days. Anybody has an account with them? Please share whether hard or soft pull, ACH transfer limits(daily and monthly), etc.

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They Kept Their Word

There are not that many reviews on this bank and most date back 5+ years. I contacted them on a Friday afternoon in December 2022 regarding a 2 year CD paying just over 5% that I had a feeling was not going to last and it did not. It was gone as quick as it came but I was assured that since I contacted them and began the process they would honor the rate. On December 27 the account was finally open at the rate that Ericka in Customer Service had promised. Thanks Ericka and MY Ebanc and thanks to Ken and this website.


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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"!!!???

Lots Of Fees And Rates Not Competitive

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The good rate Bradesco offered six months ago required an absurdly high $100,000 minimum. When the rate was no longer competitive, I moved my funds and was penalized $50 for closing the account in less than 6 months. And, there is a $15 monthly charge for accounts at less than $5000. Customer service is helpful and knowledgeable IF you can get them to answer the phone. As for leaving a message, don't. The call won't be returned.

Ticket Status

Posted by: |

Long delay in getting back status on ticket or no response at all



Health Grade Components

FDIC Certificate #21265
Year Established1973
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.98%
Return on Equity - YTD12.32%
Annual Interest Income$38.9MM
Assets and Liabilities
AssetsQ1 2023vs Q1 2022$3.44B$2.91B
LoansQ1 2023vs Q1 2022$2.72B$2.00B
DepositsQ1 2023vs Q1 2022$2.87B$2.57B
Equity CapitalQ1 2023vs Q1 2022$277.3MM$261.5MM
Loan Loss AllowanceQ1 2023vs Q1 2022$30.6MM$17.5MM
Unbacked Noncurrent LoansQ1 2023vs Q1 2022$2.9MM$2.3MM
Real Estate OwnedQ1 2023vs Q1 2022$0$0
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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

5.01%*$100k*-eRelationship Savings Account
OTHER TIERS: 4.40% Up to $100k

My eBanc Money Market Rates

5.01%*$100k*-Super Saver Money Market Account
OTHER TIERS: 4.10% Up to $100k

My eBanc Checking Account Rates

0.05%--Advantage Checking Account

My eBanc CD Rates

5.77%$100k-12 Month Jumbo Online Time Deposit
5.59%$100k-6 Month Jumbo Online Time Deposit
5.50%$5k-12 Month Online Time Deposit
5.40%$5k-6 Month Online Time Deposit
5.25%$100k-18 Month Jumbo Online Time Deposit
5.20%$100k-24 Month Jumbo Online Time Deposit
5.10%$5k-18 Month Online Time Deposit
5.05%$5k-24 Month Online Time Deposit
4.18%$5k-36 Month Online Time Deposit
4.18%$100k-36 Month Jumbo Online Time Deposit
3.30%*$100k*-11 Month Online Flex Time Deposit
OTHER TIERS: 3.19% $10k - $100k

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

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