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My eBanc is the online division of BAC Florida Bank and offers special higher rates for a variety of accounts, including Checking, Savings and CDs.
Unlike the traditional deposit accounts with BAC Florida Bank, the internet-only accounts with the My eBanc division are available to everyone nationwide.
Their standout rates are for Savings and CD accounts. While quite good, they aren’t market leading so be sure to compare all the best rates using these guides: Savings Rates guide | CD Rates guide.
I’ll review the current promotional rates below.
My eBanc eRelationship Savings Account Rate Offer: 2.25% APY
My eBanc now offers an online Savings account with a good rate, named the eRelationship Savings Account. The minimum opening deposit is $25,000 for this account.
- CURRENT RATE:
- 2.25% APY for balances of $100,000.00 and above
- 2.15% APY for balances below $100,000.00
- NO MINIMUM BALANCE REQUIRED TO EARN ANNUAL PERCENTAGE YIELD
- UNLIMITED DEPOSITS
- UP TO SIX CHECKS PER STATEMENT CYCLE
- DEBIT CARD IF OPENED IN CONJUNCTION WITH A CHECKING ACCOUNT*; OTHERWISE, ATM CARD
- DEBIT CARD IF OPENED IN CONJUNCTION WITH A CHECKING ACCOUNT*; OTHERWISE, ATM CARD
- FREE E-STATEMENTS
- PERSON TO PERSON TRANSFERS – EASILY SEND MONEY TO OTHERS*
- INTERBANK TRANSFERS – SEND MONEY TO YOUR ACCOUNTS IN OTHER BANKS*
- FREE ONLINE BANKING
- FREE ONLINE BILL PAYMENT
- FREE MOBILE BANKING
- FREE MOBILE CHECK DEPOSIT – SIMPLY TAKE A SNAPSHOT OF YOUR CHECK AND DEPOSIT IT REMOTELY INTO YOUR ACCOUNT
I compare all the top rates on this Savings/Money Market page. CIT Bank and HSBC Direct consistently offer great Savings rates, and BBVA Compass has a good rate on their online Money Market account and often will have sign-up bonuses for some of their accounts. *Be sure to take advantage of Savings account sign-up bonuses as well, including a great offer from Chase Bank.
- MySavingsDirect Hield Yield Savings And CD Account Promotions
- BBVA Compass Bank Promotions: $150 To $250 Checking/Savings Bonuses
- CIT Bank Promotions: Online Savings Builder Account Offers 2.15% APY
- Chase Coupon Promo Codes: $200, $300, $350, $500 – November 2018
- Simple Bank Review: Unlimited $20 Bonuses & Top Savings Rate Offer
- Online HSBC Direct Savings Rate Offer: 2.01% APY (Available Nationwide)
- Citizens Access Online Savings And CD Accounts Offers, Promotions
- PurePoint Financial Online Savings & CD Accounts Promotions, Bonuses
- CIBC U.S. Bank Offer: $200 Checking Bonus [IL, MI, MO, WI Residents]
My eBanc SuperSaver Money Market Offer: 1.50% APY
Several other online banks provide a better rate than this special offer from My eBanc, but it certainly trumps the numbers from your traditional banks. The minimum opening deposit is $5,000.
- CURRENT RATE: 1.50% APY
- NO MINIMUM BALANCE REQUIRED TO EARN ANNUAL PERCENTAGE YIELD
- UNLIMITED DEPOSITS
- UP TO SIX CHECKS PER STATEMENT CYCLE
- DEBIT CARD IF OPENED IN CONJUNCTION WITH A CHECKING ACCOUNT*; OTHERWISE, ATM CARD TO HELP YOU PLAN AND BUDGET FINANCIAL GOALS
- FREE MONEY MANAGEMENT TOOL
- FREE E-STATEMENTS
- PERSON TO PERSON TRANSFERS – EASILY SEND MONEY TO OTHERS DIRECTLY
- INTERBANK TRANSFERS – SEND MONEY TO YOUR ACCOUNTS IN OTHER BANKS
- FREE ONLINE BANKING
- FREE ONLINE BILL PAYMENT
- FREE MOBILE BANKING
- FREE MOBILE CHECK DEPOSIT – SIMPLY TAKE A SNAPSHOT OF YOUR CHECK AND DEPOSIT IT DIRECTLY AND REMOTELY INTO YOUR ACCOUNT
My eBanc Advantage Checking Rate Offer: 0.50% APY
This Checking account rate is better than what most traditional Checking accounts offer, but it certainly won’t take you very far. Nonetheless, it’s worth a mention. For free Checking and online Checking accounts, I recommend you take a look at this list here.
- CURRENT RATE: 0.50% APY
- $5,000 MINIMUM OPENING DEPOSIT
- NO MINIMUM BALANCE REQUIREMENT TO EARN ANNUAL PERCENTAGE YIELD
- NO CHARGE FOR WRITING CHECKS
- FREE MONEY MANAGEMENT TOOL, TO HELP YOU PLAN AND BUDGET FINANCIAL GOALS
- FIRST SET OF 50 CHECKS FREE
- PERSON TO PERSON TRANSFERS – EASY PERSON TO PERSON TRANSFERS SO YOU CAN SEND MONEY TO OTHERS DIRECTLY
- INTERBANK TRANSFERS SO YOU CAN SEND MONEY TO YOUR ACCOUNTS IN OTHER BANKS
- LOCAL DISCOUNTS ACROSS ALMOST 400,000 MERCHANTS IN THE US AT NO ADDITIONAL COST WITH CRÈMEBRULEE SAVINGS
- FREE TELEPHONE BANKING
- FREE ONLINE BANKING WITH CHECK DEPOSIT
- FREE ONLINE BILL PAYMENT
- FREE MOBILE BANKING
- FREE MOBILE CHECK DEPOSIT SO YOU CAN EASILY TAKE A SNAPSHOT OF YOUR CHECK AND DEPOSIT IT DIRECTLY AND REMOTELY INTO YOUR ACCOUNT
- FREE E-STATEMENTS
I keep all the best offers updated over at this Bank Bonuses Page, but be sure to browse offers from Chase Bank, TD Bank, HSBC, Simple Bank and CIT Bank to start.
- BBVA Compass Bank Promotions: $150 To $250 Checking/Savings Bonuses
- TD Bank Promotions: $300 & $150 Checking Account Bonuses
- HSBC Bank $350 & $750 Checking Account Bonuses
- Chase Student Checking Promotions: $100 Chase College Checking℠ Bonus
- CIT Bank Promotions: Online Savings Builder Account Offers 2.15% APY
- Chase Coupon Promo Codes: $200, $300, $350, $500 – November 2018
- HSBC Bank Advance Checking Account $350 Bonus Offer
- HSBC Bank Premier Checking Account $750 Bonus Offer
- Simple Bank Review: Unlimited $20 Bonuses & Top Savings Rate Offer
- Chase Premier Plus Checking℠ Bonus: $300 Coupon Offer
- Chase Total Checking Account Bonus: $200 Coupon Available Online
- Chase Bank Business Checking Promotion: $200 Sign-Up Cash Bonus
My eBanc CD Account Offers
My eBanc refers to these accounts as online time deposit accounts.
Online Time Deposit Rates
The minimum deposit is $5,000.
- COMPETITIVE RATES
- NO MAINTENANCE FEES
- DAILY COMPOUND INTEREST FOR MAXIMUM EARNINGS
- INTEREST MAY BE RECEIVED IN THE FORM OF A CHECK, TRANSFER TO A TRANSACTIONAL ACCOUNT OR RE-DEPOSITED TO THE TIME DEPOSIT AT RENEWAL.
- ACCESS TO YOUR ACCOUNT ANYTIME WITH FREE ONLINE AND MOBILE BANKING.
- FDIC INSURED TO THE MAXIMUM ALLOWED BY LAW.
- AUTOMATIC RENEWAL AT MATURITY. PENALTY IS APPLICABLE FOR EARLY WITHDRAWAL.
| CD Term | APY |
| 6 Months | 2.25% |
| 12 Months | 2.70% |
| 18 Months | 2.75% |
| 24 Months | 2.90% |
| 36 Months | 2.80% |
Jumbo Online Time Deposit Rates
The minimum deposit is $100,000.
- COMPETITIVE RATES
- NO MAINTENANCE FEES
- DAILY COMPOUND INTEREST FOR MAXIMUM EARNINGS
- INTEREST MAY BE RECEIVED IN THE FORM OF A CHECK, TRANSFER TO A TRANSACTIONAL ACCOUNT OR RE-DEPOSITED TO THE TIME DEPOSIT AT RENEWAL.
- ACCESS TO YOUR ACCOUNT ANYTIME WITH FREE ONLINE AND MOBILE BANKING.
- FDIC INSURED TO THE MAXIMUM ALLOWED BY LAW.
- AUTOMATIC RENEWAL AT MATURITY. PENALTY IS APPLICABLE FOR EARLY WITHDRAWAL.
| CD Term | APY |
| 6 Months | 2.25% |
| 12 Months | 2.70% |
| 18 Months | 2.75% |
| 24 Months | 2.90% |
| 36 Months | 2.80% |
Flex Time Deposit Rates
The minimum deposit is $10,000.
- TWO (2) PARTIAL WITHDRAWALS ARE PERMITTED WITHOUT PENALTY.**
- COMPETITIVE RATES
- NO MAINTENANCE FEES
- DAILY COMPOUND INTEREST FOR MAXIMUM EARNINGS
- INTEREST MAY BE RECEIVED IN THE FORM OF A CHECK, TRANSFER TO A TRANSACTIONAL ACCOUNT OR RE-DEPOSITED TO THE TIME DEPOSIT AT RENEWAL.
- ACCESS TO YOUR ACCOUNT ANYTIME WITH FREE ONLINE AND MOBILE BANKING.
- FDIC INSURED TO THE MAXIMUM ALLOWED BY LAW.
- AUTOMATIC RENEWAL AT MATURITY. PENALTY IS APPLICABLE FOR EARLY WITHDRAWAL.
| CD Term | APY |
| 12 Months | 1.40% |
You’ll find great rates for most popular terms with banks like BBVA Compass and CIT Bank. I keep all rates updated on this CD Page.
- BBVA Compass Bank Promotions: $150 To $250 Checking/Savings Bonuses
- CIT Bank Promotions: Online Savings Builder Account Offers 2.15% APY
- Live Oak Bank Online Savings And CD Offers, Promotions
- Virtual Bank Checking, Money Market, CD Promotions & Offers
- Popular Direct Online Savings And CD Account Promotions, Offers
- Barclays Bank Promotions: Savings And CD Account Offers, Bonuses
- Synchrony Bank Online Savings, CD, Money Market Promotions
- Salem Five Bank Checking, Savings, CD Promotions
- Ally Bank Online Checking, Savings, CD, Investing Promotions
- Crestmark Bank Online CD Account Promotions Available Nationwide
*These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.