Deposits held and insured by Flushing Bank

Overview / Commentary
260E RXR Plaza
Uniondale, NY 11556
Deposits held and insured by Flushing Bank

iGObanking.com®, a division of Flushing Savings Bank, FSB, is an online bank that allows you to manage your money simply and securely. We offer high-yielding savings, money market savings, checking and CD products that can be opened online, or by mail. Once your iGObanking® account is opened, you can automatically make deposits and withdrawals to and from your regular banking account.

No Problems

No idea what everyone is complaining about...
Easy to setup...website does what I need it to do.
Rates are worth considering. I have transferred money in and out of my account depending on how competitive the rates move...never had a problem!
Used to be one of the higher rates out there....not so much any more. But that would be the only reason I would move on to another institution.

Gifts For Banking

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I opened two $25k gifts for banking CD's, I did receive the promotional rate. I have another CD at IgoBanking, yet they are asking for my proof of address to be mailed to bank? CSR stated don't worry, but I sent it anyway to make sure that nothing holds up the process.

Initially, I was told by CSR that a few days afte the account was funded, would receive an email to select gift, and gift would take up to 3 weeks for delivery. Today, I called, since it's been 4 days since funded, I was told that the email to first select the gift will take 3 weeks and then up to 3 weeks after ordering, for delivery.

I was hoping to have these gifts for Christmas, but does not look like that is going to be a possibility, if in fact, it's 3 weeks to first receive the email to select a gift! The CSR advised this is stated on the website. I've looked thru the FAQ and do not find a 'timeframe' of when the email will be sent, it merely states, after the account is funded you will receive an email. It should be clarified on the website that it will be up to a 6 week process to select and receive the gift.

Things To Know About Transfers

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Consumer Account Transaction Limits Internal

Transfer Limits • Up to 10 transfer transactions per day (no more than 5 per account per day) not to exceed 50 per month. • Cannot exceed $10,000,000 per transfer, per day, per account not to exceed a total of $10,000,000 for the day. • Total transfer amount for the month may not exceed $10,000,000.

External Transfer Limits • Up to 10 transfer transactions per day not to exceed 20 per month. • Cannot exceed $5,000 per transfer, per day, per account not to exceed a total of $5,000 for the day. • Total transfer amount for the month cannot exceed $25,000.

External transfer transactions cannot bring account balance to $0.00.

Mobile Check Deposit • The current daily dollar limit is $2,500 per business day and the current monthly dollar limit is $25,000 per any 22 consecutive business day period. For accounts with a balance of $50,000 or greater, the current daily dollar limit is $10,000 per business day and the current monthly dollar limit is $75,000 per any 22 consecutive business day period. There is no daily or monthly statement cycle limit on the number of items, as long as the respective dollar limits are not exceeded.

Zelle® • Initial send limits are set at $1,500 daily with a maximum transaction limit of $1,500 per calendar day. Limits may be automatically adjusted from time to time at our sole discretion based on the user activity and account standing.

ATM/Debit Card • ATM Card: The current daily withdrawal limit is $1,000. • Debit Card: The current daily withdrawal limit is $1,000 and the daily purchase limit is $1,500.

What's Under The Rate?

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Great rate at 4.45%, however the hula hoops are vast Although call center is there 24/7 the person I spoke to spoke broken english, pulled up the product on her screen to discuss unfortunately. Things to be aware of that deal break it for me: 5k/daily limit to transfer funds, call in ONLY for a one time exception, 250k/M. Beneficiary information can be set up after opening the account on line or through a secure message to through your online account. IGO Bank is the online platform for Flushing Bank est. 1929 NY. Supposedly first transfer into account takes up to 48 hours, once established again supposedly will take 24 hours. Dashboard only reflects interest at the end of the month not ongoing like the Emigrant online platrform provides.



Data as of Q1 2024

Data displayed below is for insuring bank: Flushing Bank
Learn why bank health matters

Health Grade Components

FDIC Certificate #58564
Year Established2007
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.29%
Return on Equity - YTD3.14%
Annual Interest Income$110.8MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$8.8B$8.48B
LoansQ1 2024vs Q1 2023$6.78B$6.87B
DepositsQ1 2024vs Q1 2023$7.34B$6.75B
Equity CapitalQ1 2024vs Q1 2023$808.5MM$884.3MM
Loan Loss AllowanceQ1 2024vs Q1 2023$40.8MM$38.7MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$22.3MM$20.2MM
Real Estate OwnedQ1 2024vs Q1 2023$665K$0
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Always verify rates and promotions with the bank or credit union. We are not iGObanking; 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.

iGObanking Savings Account Rates

0.50%*$0$5kiGOsavings Plus - New Money
OTHER TIERS: 0.25% $5k+

iGObanking Money Market Rates

5.05%$25k$500kiGOmoneymarket - New Money Only
4.78%$25k-iGOindexmoneymarket - New Money Only

iGObanking CD Rates

5.25%$1k-3 Month iGOCD
5.00%$1k-9 Month iGOCD
4.25%$1k-36 Month iGOCD
4.25%$1k-48 Month iGOCD
3.00%$25k$250kGiftsforBanking 3 Year CD
2.95%$25k$250kGiftsforBanking 2 Year CD
1.00%$25k$250kGiftsforBanking 5 Year CD

iGObanking is an Internet only bank and does not have branch locations. Its headquarters is located at 260E RXR Plaza - Uniondale, NY 11556

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.