Written by Dori Zinn | Edited by Ali Cybulski | Updated on 05/12/2025
TotalBank is an online-only division of Miami-based City National Bank of Florida. The bank offers high-yield certificates of deposit (CDs), money market accounts and several home loan options. Products are available nationwide except in Florida and the U.S. territories.
All money market and CD deposits are protected by the Federal Deposit Insurance Corp. (FDIC) up to $250,000, which is the standard coverage limit.
Customer service: Reach live help at 888-682-2881 from 8:30 a.m. to 5 p.m. Eastern time Monday through Friday. You can also message the bank online using the form found at the Contact Us tab.
Pros and cons of TotalBankMany banks limit their specials to the geographic area they are located in. Total Bank EXCLUDES their home area. Doesn't make any sense??? Puzzled in Fla!
Total Direct raised their Money Market rates to the highest in the nation on 8-26-22 and management had no conception of the chaos that would ensue. I tried to reach them over the phone on 3 different days and hold times have exceed one hour, with still no one with whom to talk.
Drivers License nonsense with live picture turn left turn right doesn't work. They claim they can't get around it. So six figures of money they did not get. Stupid.
For your 6-Month CD, we are currently offering an interest rate of 5.601% with an annual percentage yield of 5.76%.
Overall | |
---|---|
FDIC Certificate # | 20234 |
Year Established | 1970 |
Employees | 1012 |
Primary Regulator | OCC |
Profit Margin | |
---|---|
Return on Assets - YTD | 0.82% |
Return on Equity - YTD | 8.6% |
Annual Interest Income | $333.2MM |
Assets and Liabilities | ||
---|---|---|
Assets | Q1 2025vs Q1 2024 | $27.18B$26.13B |
Loans | Q1 2025vs Q1 2024 | $18.75B$17.32B |
Deposits | Q1 2025vs Q1 2024 | $21.97B$21.06B |
Equity Capital | Q1 2025vs Q1 2024 | $2.62B$2.38B |
Loan Loss Allowance | Q1 2025vs Q1 2024 | $198.6MM$139.3MM |
Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $125.6MM$116.6MM |
Real Estate Owned | Q1 2025vs Q1 2024 | $15.2MM$0 |
Always verify rates and promotions with the bank or credit union. We are not TotalBank; we are a rate comparison website and cannot provide official rates or promotions.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
4.41% | $2.5k | $1m | Online Money Market Deposit Account |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
4.41% | $25k | $1m | 6 Month Online CD | |
4.25% | $25k | $1m | 12 Month Online CD | |
4.00% | $25k | $1m | 24 Month Online CD | |
4.00% | $25k | $1m | 36 Month Online CD | |
4.00% | $25k | $1m | 60 Month Online CD |
TotalBank is an Internet only bank and does not have branch locations. Its headquarters is located at P.O. Box 524470 - Miami, FL 33152-4470