Available nationwide, Earn Bank is offering a rate of 1.85% APY when you open an Online Savings Account with an opening deposit of $100.
About Earn Bank Online Savings
Earn Bank strives to give you a transparent, powerful savings vehicle that will help you meet your savings goals. Earn Bank is a division of Silvergate Bank, an FDIC insured state chartered financial institution, and is a digital bank that leverages technology to cut costs and passes savings on to customers in the form of higher rates.
While most banks pay little or no interest, earn.bank offers top tier interest rates on Money Market and CD accounts.
I’ll review Earn Bank Online Savings below.
Note: Interested in Bank Bonuses? See our favorite banks including HSBC Bank, Chase Bank, Huntington Bank, Discover Bank, TD Bank, BBVA Bank or CIT Bank.
Earn Bank Online Savings 1.85% Rate
 |
 |
To earn this generous rate, just maintain the opening deposit to meet the monthly balance requirement and you can earn the high rate that apply to all balances.
- Account Type: Online Savings Account
- Interest Rate: 1.85% APY
- Availability: Nationwide
- Minimum Balance: $100
- Maximum Balance: None
- Credit Inquiry: Hard pull/Soft pull? Let us know.
- Opening Deposit: $100
- Credit Card Funding: Unknown, Let us know
- Monthly Fee: $10, see below to see how to waive
- Early Termination Fee: None
(FDIC Insured)
Earn Bank ACH Capabilities & Limits
| ACH Type | Speed | Daily $ Limit | Monthly $ Limit | Notes |
| Push | ? | ? | ? | ? |
| Pull | ? | ? | ? | ? |
Editor’s Note: Help us with the table above in the comment section if you have experience with Earn Bank’s ACH capabilities.
How to Receive Earn Bank Rate
- Open a Money Market account from Earn Bank with minimum deposit of $100.
- Input your info – Provide your name, address, phone, email and social security number or Tax ID.
- Fund the account – Transfer funds electronically from an internal account here or an external account at another bank.
- Earn 1.85% APY for balances of $100 or more.
| Balance Requirement | APY Rate |
| $100 | 1.85% APY |
Why You Should Sign Up For This Account
- Maintain the opening deposit to start off earning 1.85% APY
- Receive high earnings without paying back in monthly fees
- Funding accounts is made easy via bank transfers, mobile deposit, wire transfer or check
- Manage your accounts at your leisure from your computer, tablet or mobile device
- All deposits are FDIC insured to the maximum amount allowed by the law
Bottom Line
For those of you looking for a savings account with a high APY rate, look no further as Earn Bank’s Savings Account offers a 1.85% APY Rate. If you’re known to save and want high earnings with a experienced company, check out Earn Bank’s Saving Account and sign up with them today. Feel free to share your experiences with this bank by commenting below.
For more bank offers, see the complete list of Best Bank Rates!
Check back often to see the latest info on Earn Bank Online Savings Account.
Division of Silvergate Bank of San Diego, whose own financials are a mix of the good and the bad. Hence the high rate. As long as FDIC insurance holds should be all right.