Deposits held and insured by City National Bank (FL)

Overview / Commentary
Miami, FL 33152-4470
Deposits held and insured by City National Bank (FL)

Great Newcomer To Direct Bank Market

TotalDirectBank is a welcome addition to the direct banking landscape.

They have come a long way over the last year since their launch! I opened an eCD back then and the process has improved a lot. The new eMM product and application process were great. Love the #1 rate.

I also appreciate that it’s very easy to call them and talk to a real human being!

I Got Lucky...Finally

I had a CD with discover and they kept giving me the runaround. When I tried to pull the CD the customer service dept. told me that they would give me a better rate to keep it. I agreed and guess what? MY RATE NEVER CHANGED! My CD wasn't even showing on my online banking acct. CONVENIENTLY, as soon as the renewal window for the CD was over, it was showing again on my dashboard. I expected better from a HUGE bank ranked highest in client satisfaction by JD Power!!! SOOO, I was FINALLY able to pull my money and took a gamble on Total Direct Bank based on the reviews and so far I have to say I am content. MUCH BETTER RATE ANYWAY! I may have to call in but I am fine with it so long as I get what I want. Just my opinion. Good luck.

Telephone Wait Times Are Terrible

Posted by: |

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.

Total Bank Is A Total Scam.

Posted by: |

After going though hoops to apply, including submitting a face scan from my phone, I get the following message,

"Thank you for applying for an account with us at TotalDirectBank.

We regret to inform you that we cannot approve your new account application.

We are unable to provide additional information."

WTH? You can't tell me why I wasn't approved? I have over half a dozen bank accounts with over an 800 credit score and they didn't approve me and WONT say why? I'll be contacting Florida and federal banking regulators about this. If a financial institution denies you credit, they are required to explain why.



Data as of Q2 2022

Data displayed below is for insuring bank: City National Bank (FL)
Learn why bank health matters

Health Grade Components

FDIC Certificate #20234
Year Established1970
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.23%
Return on Equity - YTD13.08%
Annual Interest Income$328.6MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$23.18B$20.24B
LoansQ2 2022vs Q2 2021$14.79B$12.33B
DepositsQ2 2022vs Q2 2021$19.21B$16.69B
Equity CapitalQ2 2022vs Q2 2021$2.03B$2.11B
Loan Loss AllowanceQ2 2022vs Q2 2021$144.1MM$136.7MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$28.5MM$88.8MM
Real Estate OwnedQ2 2022vs Q2 2021$719.00K$5.0MM
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TotalDirectBank Money Market Rates

4.50%$2.5k$1mDirect Money Market Deposit Account

TotalDirectBank CD Rates

4.92%$25k$1m12 Month CD
4.85%$25k$1m6 Month CD
4.34%$25k$1m24 Month CD
4.00%$25k$1m3 Month CD
3.56%$25k$1m36 Month CD
3.05%$25k$1m60 Month CD

TotalDirectBank is an Internet only bank and does not have branch locations. Its headquarters is located at 524470 - Miami, FL 33152-4470

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