Overview / Commentary
877-998-2265
1111 Brickell Avenue
Miami, FL 33131

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VirtualBank eMoney Market Now Earns 2.36% APY - 12/22/2018

VirtualBank (internet bank) has raised the rate on its variable rate eMoney Market account to 2.36% APY. Minimum opening deposit is $100.

Interest Rate Increase At Virtual Bank - 12/21/2018

Virtual Bank has jumped the APY on their eMoney Market account to 2.36%. You must keep at least $100 in the account at all times else they will impose a service charge.

VirtualBank Pushes 12-Month eCD Rate Up - 11/16/2018

VirtualBank has raised the rate on its 12-month eCD to 2.81% APY and is currently the rate leader for 1-year CD offered by internet banks. Minimum deposit is $10k.

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Great Rates And A Great Team

Posted by: OGreen | Jul 16, 2018

Consistently great rates and a friendly, helpful customer service team

Poor Service And Options

Posted by: EricJ | May 10, 2018

I'm being generous about the 3 stars. Have had a CD here since 2015, rates were decent then. They would mail a statement every quarter although at least once I did not get it.

So trying to be patient and always balancing my numerous accounts at various banks I waited until today (5-10-18) to log in to see if I could get the info. I clicked the link to go to statements but got an error message (just some numbers). Tried this a couple times and then gave up and called.

Apparently they were bought by another bank and no longer have statements mailed or online, you have to go to transactions to get the info. I never received any info in mail or online about this.

Seems when banks make changes like this they should be required to notify you... poor management and not very good customer service, no more CDs here. I like to feel when I have thousands invested somewhere that they know what they are doing and keep me informed.

Top-Tier Rate, But ...

Attractive promotional rate with one-year guarantee, but that's about it. Spartan website, not up to the competition, unpredictably inaccessible. Primitive e-messaging system accepts sent messages, but doesn't retain them. Doesn't matter actually since so far all ignored. CSR's willing, but information often unreliable. No weekend telephone support. Quick ACH, then annoying 3-day hold.

Uncomfortable, moving on.

Huge Fail At Virtual Bank

Posted by: QED | Jan 14, 2019

Be advised that Virtual Bank, for ACH deposits into their eMoney Market accounts, does NOT PAY INTEREST the day the deposit is received!!

They instead commence payment of interest on the NEXT business day. Do I think this practice is unusual and unacceptable? Yes, and you can take that to the bank!!

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Health

Health Grade Components

Overall
FDIC Certificate #28100
Year Established1887
Employees3159
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.1%
Return on Equity - YTD8.5%
Annual Interest Income$891.4MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$30.03B$27.89B
LoansQ3 2018vs Q3 2017$22.25B$19.80B
DepositsQ3 2018vs Q3 2017$23.32B$21.52B
Equity CapitalQ3 2018vs Q3 2017$3.90B$3.61B
Loan Loss AllowanceQ3 2018vs Q3 2017$137.0MM$136.6MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$152.1MM$145.1MM
Real Estate OwnedQ3 2018vs Q3 2017$32.4MM$20.4MM
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

Interest Rate Increase At Virtual Bank

QED   |  
Virtual Bank has jumped the APY on their eMoney Market account to 2.36%. You must keep at least $100 in the account at all times else they will impose a service charge.

Rates
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Always verify rates and promotions with the bank or credit union. We are not Virtual Bank; 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.

Virtual Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.36%$100-eMoney Market Special
0.90%*$250k*-Jumbo eMoneyMarket
OTHER TIERS: 0.25% Up to $250k
0.80%--eMoneyMarket

Virtual Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.05%$10k-60 Month eCD
3.01%$10k-36 Month eCD
2.80%$10k-24 Month eCD
2.75%$10k-12 Month eCD
2.50%$10k-6 Month eCD
2.29%$10k-9 Month eCD
2.16%$10k-3 Month eCD
1.79%$10k-48 Month eCD
1.57%$10k-18 Month eCD
0.15%$10k-1 Month eCD
0.15%$10k-2 Month eCD
Locations

Virtual Bank is an Internet only bank and does not have branch locations. Its headquarters is located at 1111 Brickell Avenue - Miami, FL 33131

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.