My eBanc Reviews

Average Rating:
Based on 20 review
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Lots Of Fees And Rates Not Competitive

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The good rate Bradesco offered six months ago required an absurdly high $100,000 minimum. When the rate was no longer competitive, I moved my funds and was penalized $50 for closing the account in less than 6 months. And, there is a $15 monthly charge for accounts at less than $5000. Customer service is helpful and knowledgeable IF you can get them to answer the phone. As for leaving a message, don't. The call won't be returned.

5.23% Didn't Last Long

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Looks like the 5.23% 12-month and 18-month CDs didn't last long and neither did their 4.97% 6-month CD. Oh, well.

Superb Bank

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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!

Never Open The Account With BAC Florida Bank

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Be careful, very small bank with terrible services. No 1099 on time. No statement. And high penalty !

Why BAC Florida does the job the right way.

BAC Florida has always treated me right, even when its my mistake. I know they really value my business and for me that makes a big difference. I don't want to just feel like another number to a big bank. Its clear that they actually care about me and they want my business. Some of the bigger banks really don't care if you bank with them because they are so large. It reflects in their customer service for sure. BAC Florida goes above and beyond regular means and has given me discounts and canceled fee's just because of customer retention. That's rare today and it really makes me want to give them more business. Its a good feeling knowing my funds are safe and they also care about my best interest. They cut out the big bank fees and provide quality service.

Great customer service

My experience with BAC Florida bank has been overall positive. Customer service was always very good and I felt very comfortable and at home while making transactions. Not only was the staff at hand friendly, but they always went above and beyond to make sure all my questions were answered and I understood every fine detail clearly. A perfect example is when I had questions about using their mobile banking service. I was guided step by step with a representative and was able to successfully deposit a check by using the camera on my phone that same day! Now that's great customer service. One of my favorite things about this bank was their annual interest rates. When I was using this bank the rates were about ten percent higher than that years national average. Their mobile banking was also very ideal and convenient to use with no extra fees. I would frequently take advantage of their online bill pay services and felt very comfortable and safe with the whole process. Being able to check my statement online anytime was also a very key feature to me. Convenience and service made BAC Florida Bank a very easily recommended bank to friends and family.

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.

BAC Florida Bank goes the extra mile to ensure a great experience!

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I had previously held a checking account with JP Morgan Chase and had never opened my own checking account except for a joint account with my father when I was younger. I decided to switch on over to BAC Florida being as I had heard such great reviews from a few of my friends and neighbors. From the second I walked in the door, I was greeted with such kindness and helpfulness. The lady that helped me open my account and transfer my funds was very sweet and continued to ask me questions on what my financial goals were for the next few years and went ahead and gave me some tips and pamphlets on how to reach them. She assured me that there were no minimum balance requirements for my savings account and went over all the additional info regarding fees and such prior to my departure. Overall their customer service is truly 5 star and I love the convenience of their online banking. I have been very pleased and I recommend them to anyone in the area!

Decent bank fees too high

I moved to Coral Gables area back in 2006 from the Boston area. I found it increasingly hard to do business with my local bank back in New England so I decided for a change. I really don't tend to gravitate towards larger banks as they usually leave a bad taste in my mouth over time. I scoped around for a new bank to deal with my accounts and I found BAC Florida Bank. It reminded me of my bank back home, where everyone knew my name, this bank has that atmosphere. It was easy to setup an account and fast. I was in and out with everything I needed. It grew more alarming to me that their fees were really high compared to other banking establishments. I don't think 7 dollars for inactivity is a very fair charge. I can deal with 3 to 5,but 7 is way over the top. I also went over my account limit a couple of times, due to checks being cashed slowly, as my direct deposit comes from NH. The charge is out of control. I think 40 dollars for their mistake is way over the top and I have had these waived a couple of times,but its increasingly alarming to deal with. In the end its a nice little bank with a family type atmosphere. The tellers are really nice and that's always a plus,but the fees will get you. If your in the Coral Gables area, take a look.

BAC Florida Bank Goes Above And Beyond

Being new to having a savings account I decided to bank with BAC Florida. A few family members already used that bank, while there were a few local branches in the neighborhood. So after such positive reviews I opened an account which was a very hassle free experience. I was treated with respect since I walked through the door, while greeted by a friendly professional banker. She explained to me how much I needed as a minimum deposit. For only $100, I.D. and social security card I was the new owner of a savings account. I had never opened a savings account before because I was scared of paying fees if I ever needed to spend the money and my balance reached zero. To my surprise the banker at BAC Florida assured me there was no minimum deposit requirements. Plus I could bank online and from my phone. I can honestly say I would give them two thumbs up for going above and beyond to help first-time account holders like myself.

Great bank experience!

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BAC Florida bank is by far the best bank I have ever worked with. They make everything easy for the customer and they offer the most amazing customer service. I got my account set up within an hour and I was able to do online banking right away. I was really impressed with how easy the process was. The customer service representatives were knowledgeable and kind. Before I went to this bank, I had no prior experience with any other bank and found them all to be sort of intimidating. I was recommended to BAC by a friend, who said they were by far the best bank she has ever been to. Well, that made the decision easy for myself and I went the following day to set up an account. The atmosphere is so inviting and it just feels so amazing. I would recommend anyone who have not yet found a bank to use this one. They are excellent and worth your time. I had never worked with a deposit account before and they took me through it and help me set it up. It is really easy to access and I like the layout of their online banking.

Banking with BACFlorida

When I was 18 I opened up two accounts with BAC Florida Bank - a checking account, complete with a debit card, and a savings account. I had these accounts open for two and a half years and decided to close it in order to move to a credit union which offered more competitive interest rates, loan options, and 0 overdraft fees. Overall my experience with BAC were fair, but none of it ever exceeded my expectations. Customer service left something to be desired - one time my debit card got stolen and BAC did absolutely nothing to work with me on this matter, asking me to pay for my replacement. Furthermore the customer service reps with whom I spoke were rude and uncaring of keeping my business. One highlight of my experience is the online experience, as the website was neither clunky nor hard to use. It was intuitive and convenient and I always enjoyed banking through it.

Great Bank

I love BAC FLORIDA. I started banking here when I had my first vacation home in Orlando. I have never had any issues with them and their staff is very friendly and incredibly knowledgeable. Honestly I wish they had banks like this back home. I once had an over draft of $10 and didn't realize it and some fees added up. I went to my local branch and spoke to the manager. I was greeting by a friendly staff member who made my wait comfortable. After meeting with the manager they waved my fees. I was very lucky to have this issue fixed and continued to bank with them for over 5 years now. I have even set up savings accounts for both of my children at BAC Florida. I feel like all three of my children will now have great futures because of the savings accounts my wife and I have set up for them. I am also looking forward to starting some IRA's and money market stuff in the near future.

A great online banking option

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BAC Florida is much like ING Direct or other online banking firms, but smaller and more personal. I signed up and used my normal bank's checking account to transfer funds. BAC had much better interest rates for their savings. It's a much better option for me than ING Direct, which I used to have but wasn't impressed once they sold out to Chase or Citi or whichever it was.

BAC does everything any other online banking place can do, plus they have mobile check depositing, they're fantastic with customer support, and are a growing internet banking organization that makes life easier if I want an alternative account with higher savings rate than what my bank offers.

I am so happy with how easy it's been to use BAC, even though it takes some time to transfer funds, but that's the same with any online only banking. If you're looking for a small personable place, I'd so much rather recommend this bank to friends -- and I have -- over other online banks like ING or Ally.

Phenomenal Customer Service, Mediocre Services

My experience with BAC Florida Bank was in 2012 when I opened a checking account as a student. I opened a Global Checking account with a woman who was working that day at the Coral Gables location. Since this was my first bank account without a co-signer, I was nervous and she talked me through step by step as to what paperwork to fill out, what to expect and how to handle my finances. Not only did she sign me up for an account but she showed me different ways that I could work with my budget to optimize my finances. She was absolutely fantastic and gave me the tools that I needed to succeed. Unfortunately, she was the only shining light in this bank. There were unexpected monthly fees that would occur if my balance fell below a certain amount which in turn, would hurt my balance even more. As a early twenty's student, I wasn't the smartest with my account but this bank seemed to penalize me for every single thing that wasn't routine. When I called their customer service number to figure out why I was being charged, they were short and frustrated with me. I shortly closed my account thereafter and switched to Bank of America.

Great Bank for Starters

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BAC Florida Bank is a great bank to start off. I recently moved to the United States and needed a good bank to start my credit and banking. I Live in Miami so it was natural to look for a local bank. BAC Florida is part of a global BAC network. I used to live in a country where BAC was one of the biggest banks so it is good to recognize a good Company. I used two products from BAC Florida, I tried the Checking and the Savings called BAC Internet Checking and Internet Savings. They are both great products and can compete with many other banks that I have now started using for work matters. I would advise you that if you are new to the country and living in the area, chances are BAC Florida can help you a great deal specially if you have loved ones or you yourself had accounts in foreign Countries where BAC is present. Great bank; fully Recommend!

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