eBank is a subsidiary of eBank Financial Services and is a savings bank providing banking and financial products, including mortgage to small businesses as well as individuals. eBank is a member of FDIC and Equal Housing Lender. This bank has its presence in six Countries and 47 States.
Although eBank provides traditional brick-and-mortar banking, the customers nationwide may also avail of the internet banking facility that has been introduced for those who need the convenience of accessing their money from anywhere in the world.
eBank’s personal banking includes personal checking accounts, money market accounts, certificates of deposit, mortgages, IRAs, home equity lines, personal loans, along with personal savings accounts and banking cards. Small business owners are not to be left behind and ebank provides all of the above facilities to them.
eBank’s eFree checking and ePremium checking accounts provide great interest rates and features, and all it needs to open these accounts is $100. The premium account as the name suggests provides premium services such as a rate bonus of 1/4% on eBank CDs (adding to the already highest CD rates) and IRAs, as well as a rate discount of 1/4% on a personal loan. There is a minimum balance requirement of $2500 on ePremium accounts, which if not met, a miniscule service charge of $10 is imposed on the customer.
Business checking accounts consist of business checking and business checking with interest accounts. The accounts that carry an interest are available only for sole proprietorships and non-profit organizations. Here the interest is compounded on a daily basis and credited every month. This interest can be reinvested or credited in another ebank account. These accounts provide the convenience required for business owners who can spend more time concentrating on improving their businesses and leave money management in the safe and competent hands of ebank.
Money market account, such as the ePremier Money Market account for individuals and Business eMoney Market account for businesses yield high rates and are one of the best money market rates found. These Money Market accounts consistently pay the highest rates found anywhere and allow free access online, all this with the maximum security of FDIC insurance. The interest rates increase based on the increase in balance tier. The variable interest is compounded daily and credited monthly, which further can be reinvested or deposited in another account. Online or telephone transfers to other Ebank accounts provide utmost convenience.
Imagine the beauty of a fixed interest rate without having to worry about fluctuating rates. eBank ensures that their customers are secure with their CDs. This locked in high interest rate CDs for different terms ranging from three months to five years are automatically renewed at the end of the term. EPremium checking account holders will benefit a great deal with the ¼% increase in the rates on the already best CD rates. With the minimum deposit being as low as $1000, FDIC insurance, and the best CD rates, the eBank Certificates of Deposit are a great tension free money saving mechanism.
Cards to suit every lifestyle and those that are accepted throughout the world, provide customers the convenience and comfort in using their money when and where they wish to, without having to take the risk of taking crumpled notes while traveling or shopping, and without having to risk losing of their money.
The Preferred Rewards Debit Card, Personal ATM card, Personal Debit Card, Personal Credit Card, Business Debit Card, Business ATM Card can not only be used to withdraw money but to also transfer funds or check balance from anywhere.
When in need of finance, people look at their bank for help and Ebank understands the meaning of a loan and ensures fast approvals with very reasonable rates. Be it mortgage or refinance, home equity credit line, installment loan, personal credit line or credit card, it is as simple as filling an online application form choosing the loan based on the requirement.
Who understands business needs better than eBank? Businesses need a lot of financial support and usually within short periods of time. eBank specialists take charge of finances and help customers right from determining the type of loan that is right for them to ensuring that the loan is released at the earliest. eBank’s business loan products include construction and commercial real estate loans, real estate financing, commercial equipment loans, receivables financing, secured lines of credit as well as unsecured, letters of credit, residential construction and lot loans. All these are provided at fixed and variable rates.
This is a bank that is totally customer oriented and ensures that their needs are taken care of by providing all they need while trying to make it as convenient as possible. The convenience of online banking combined with specialist suggestions make this one of the safest and most competent banks.
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