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10 Meridian Street
Boston, MA 02128

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EBSB Direct Introduces Money Market Special - 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 - YTD0.81%
Return on Equity - YTD6.88%
Annual Interest Income$109.3MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$4.08B$3.23B
LoansQ3 2016vs Q3 2015$3.66B$2.89B
DepositsQ3 2016vs Q3 2015$3.26B$2.63B
Equity CapitalQ3 2016vs Q3 2015$454.3MM$415.3MM
Loan Loss AllowanceQ3 2016vs Q3 2015$38.7MM$32.6MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$14.5MM$34.3MM
Real Estate OwnedQ3 2016vs Q3 2015$0$600.00K
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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 is an Internet only bank and does not have branch locations. Its headquarters is located at 10 Meridian Street - Boston, MA 02128