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EBSB Direct

Popular Accounts at this Bank

1.50%4-year CD48 Month EBSB CD
1.41%2-year CD25 Month Bump-Up EBSB CD
1.41%18-month CD16 Month EBSB CD

Overview / Commentary
10 Meridian Street
Boston, MA 02128

Related Posts

EBSB Direct Introduces Money Market Special, 1.25% APY $10k+ - 10/11/2016

EBSB Direct's (internet bank) new Money Market Special 3 earns 1.25% APY on balances between $10k and $2m. Minimum opening deposit is $2.5k and requires new money.

EBSB Direct Adds New Money Market Special 2 - 5/25/2016

EBSB Direct has added a new product: Money Market Special 2, which earns 1.08% APY on balances between $10k and $1m. Minimum deposit of $2.5k. Available nationwide .

1.08% Money Market - 5/24/2016

ESBS Direct has a Money Market that is .92%, they are now offering "Money Market Special 2" that is 1.08% for balances over $10k, $1,999,999 max. It says new money required but I opened online and had no problem moving funds from my .92% Money Market. Does it limit you to $150k at a time transfer  http://ebsbdirect.com/

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Reviews (1)

Problems Funding Account

Posted by: kingpain | Jun 10, 2016

I don't usually review but I did have a strange experience with opening up an on-line money market account.

I opened it on-line and the next day linked it online to an account at another bank so I could fund this new account. It then took three business days before the trial test amounts appeared in the EBSB account so that I could link them. Once they appeared, I transferred the funds to the EBSB account. Five days later the funds came back. I called my bank and they said the EBSB account had been closed.

I called EBSB and it said that I hadn't funded my account quickly enough. I told it that I couldn't see how it was possible to fund it any more quickly than I had online.

Over the years I've had online accounts at several different banks and can't recall ever having this problem with another one.


Health Grade Components

FDIC Certificate #33510
Year Established1991
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD6.14%
Annual Interest Income$70.4MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$3.86B$3.15B
LoansQ2 2016vs Q2 2015$3.51B$2.72B
DepositsQ2 2016vs Q2 2015$3.06B$2.55B
Equity CapitalQ2 2016vs Q2 2015$442.5MM$412.7MM
Loan Loss AllowanceQ2 2016vs Q2 2015$38.3MM$30.1MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$28.7MM$36.1MM
Real Estate OwnedQ2 2016vs Q2 2015$183.00K$1.0MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

EBSB Direct Savings Account Rates

0.88%$5k-High Yield Savings Account

EBSB Direct Money Market Rates

1.25%*$10k*$2mMoney Market Special 3
OTHER TIERS: 0.25% $10 - $10k | 0.58% $2mm+

EBSB Direct CD Rates

1.50%$1k-48 Month EBSB CD
1.41%$1k-16 Month EBSB CD
1.41%$1k-25 Month Bump-Up EBSB CD

EBSB Direct is an Internet only bank and does not have branch locations. Its headquarters is located at 10 Meridian Street - Boston, MA 02128