My eBanc

Overview / Commentary
169 Miracle Mile
Coral Gables, FL 33134

My eBanc is the 336th largest bank in the nation. It was established in 1973 and as of September of 2023, it had grown to 235 employees. My eBanc's money market rates are 11X the national average, and it boasts an A+ health rating.

Related Posts

My eBanc Lowers Jumbo CD Minimum Deposit To $50k - 12/21/2023

My eBanc (internet bank) has lowered the minimum deposit on its rate-leading short-term Jumbo Online Time Deposits (CDs) from $100k to $50k.

My eBanc Boosts 6-Month Jumbo CD APY To Rate-Leading Level - 10/27/2023

My eBanc (internet bank) has upped its 6-month Jumbo Online Time Deposit APY to a rate-leading level. $100k minimum deposit, with no stated balance cap.

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.

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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.


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"!!!???

Ticket Status

Posted by: |

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

Read The BBB Complaints

Posted by: |

I opened 6 months 5.77% APY CD today. The process took about 20 minutes.

They did ask for the following questions, including:

* where did you get the funding money from (job, investments, inheritance, etc).
*your current address and past addresses
*what is your job is and what career field you are under
*social security, date of birth, full legal name, driver's license
*and so much more !

Then after all that, after divulging all my information, I was advised that the application will be under consideration for only God knows how long. You would think the process would be instantaneous.

I read the complaints in the BBB website, where people have had difficulty getting their money back after the CD matured. To have good sleeps at night, I decided not to continue and called my current bank to block Myebanc from taking money out of my personal bank.

Looking back at it now, it was not worth it to start applying to this very small bank to begin with.They have only one local branch in FL and the bank is owned by a bank in Brazil.

I don't get it. If you're going to open an online offer, the process and customer journey should be prioritized as smooth as possible.



Health Grade Components

FDIC Certificate #21265
Year Established1973
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.68%
Return on Equity - YTD6.52%
Annual Interest Income$128.2MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$3.76B$2.99B
LoansQ3 2023vs Q3 2022$2.97B$2.36B
DepositsQ3 2023vs Q3 2022$3.13B$2.5B
Equity CapitalQ3 2023vs Q3 2022$478.4MM$266.4MM
Loan Loss AllowanceQ3 2023vs Q3 2022$32.5MM$20.4MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$3.6MM$984K
Real Estate OwnedQ3 2023vs Q3 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

4.81%*$100k*-eRelationship Savings Account
OTHER TIERS: 4.20% Up to $100k

My eBanc Money Market Rates

4.81%*$100k*-Super Saver Money Market Account
OTHER TIERS: 3.90% Up to $100k

My eBanc Checking Account Rates

0.05%--Advantage Checking Account

My eBanc CD Rates

5.51%$50k-6 Month Jumbo Online Time Deposit
5.45%$50k-12 Month Jumbo Online Time Deposit
5.30%$5k-12 Month Online Time Deposit
5.20%$5k-6 Month Online Time Deposit
5.00%$5k-18 Month Online Time Deposit
5.00%$50k-18 Month Jumbo Online Time Deposit
4.85%$5k-24 Month Online Time Deposit
4.85%$50k-24 Month Jumbo Online Time Deposit
3.98%$5k-36 Month Online Time Deposit
3.98%$50k-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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