My eBanc


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.

WORST WEBSITE EVER!!!

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 !

BAC Florida Bank goes the extra mile to ensure a great experience!

Posted by: |

I had previously held a checking account with JP Morgan Chase and had never opened my own checking account except for a joint account with my father when I was younger. I decided to switch on over to BAC Florida being as I had heard such great reviews from a few of my friends and neighbors. From the second I walked in the door, I was greeted with such kindness and helpfulness. The lady that helped me open my account and transfer my funds was very sweet and continued to ask me questions on what my financial goals were for the next few years and went ahead and gave me some tips and pamphlets on how to reach them. She assured me that there were no minimum balance requirements for my savings account and went over all the additional info regarding fees and such prior to my departure. Overall their customer service is truly 5 star and I love the convenience of their online banking. I have been very pleased and I recommend them to anyone in the area!

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Health

Health Grade Components

Overall
FDIC Certificate #21265
Year Established1973
Employees214
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.55%
Return on Equity - YTD5.05%
Annual Interest Income$69.6MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$2.63B$2.21B
LoansQ4 2021vs Q4 2020$1.92B$1.61B
DepositsQ4 2021vs Q4 2020$2.26B$1.84B
Equity CapitalQ4 2021vs Q4 2020$260.8MM$247.1MM
Loan Loss AllowanceQ4 2021vs Q4 2020$16.9MM$14.4MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$4.7MM$11.5MM
Real Estate OwnedQ4 2021vs Q4 2020$84.00K$864.00K
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
0.65%--eRelationship Savings Account

My eBanc Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%--Super Saver Money Market Account

My eBanc Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%--Advantage Checking Account

My eBanc CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.22%$5k-36 Month Online Time Deposit
2.22%$100k-36 Month Jumbo Online Time Deposit
1.77%$5k-24 Month Online Time Deposit
1.77%$100k-24 Month Jumbo Online Time Deposit
1.51%$5k-18 Month Online Time Deposit
1.51%$100k-18 Month Jumbo Online Time Deposit
1.31%$5k-12 Month Online Time Deposit
1.31%$100k-12 Month Jumbo Online Time Deposit
0.85%$5k-6 Month Online Time Deposit
0.85%$100k-6 Month Jumbo Online Time Deposit
0.85%$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 - Coral Gables, FL 33134

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