My eBanc

Overview / Commentary
169 Miracle Mile
Coral Gables, FL 33134

My eBanc is the 388th largest bank in the nation. It was established in 1973 and as of June of 2022, it had grown to 232 employees. My eBanc's money market rates are 4X the national average, and it has an A health rating.

Superb Bank

Posted by: |

Been with this bank for about 10 years now. They offer excellent rates and even better customer service. Hugo is always very attentive and makes every effort to cater to my needs. Since I use this bank mainly to park funds long term I cannot comment on day to day banking experiences here but the few times I have had to take care of minor banking issues it has been taken care of immediately. I do wish they had a more user friendly website though! My only negative feedback would be that one is only allowed to withdraw $10K per day/$30Kpm online or pay $40 for a wire transfer. But I will live with it since I really like and trust this bank!

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.


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 !



Health Grade Components

FDIC Certificate #21265
Year Established1973
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.79%
Return on Equity - YTD8.52%
Annual Interest Income$41.2MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$2.95B$2.21B
LoansQ2 2022vs Q2 2021$2.17B$1.66B
DepositsQ2 2022vs Q2 2021$2.58B$1.85B
Equity CapitalQ2 2022vs Q2 2021$263.8MM$252.7MM
Loan Loss AllowanceQ2 2022vs Q2 2021$18.3MM$14.9MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$1.5MM$6.9MM
Real Estate OwnedQ2 2022vs Q2 2021$0$587.00K
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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

2.02%--eRelationship Savings Account

My eBanc Money Market Rates

1.71%--Super Saver Money Market Account

My eBanc Checking Account Rates

0.05%--Advantage Checking Account

My eBanc CD Rates

3.51%$5k-36 Month Online Time Deposit
3.51%$100k-36 Month Jumbo Online Time Deposit
3.30%$5k-12 Month Online Time Deposit
3.30%$100k-12 Month Jumbo Online Time Deposit
3.20%$5k-24 Month Online Time Deposit
3.20%$100k-24 Month Jumbo Online Time Deposit
2.99%$5k-18 Month Online Time Deposit
2.99%$100k-18 Month Jumbo Online Time Deposit
2.84%$5k-6 Month Online Time Deposit
2.84%$100k-6 Month Jumbo Online Time Deposit
1.92%*$100k*-11 Month Online Flex Time Deposit
OTHER TIERS: 1.82% $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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