Para obtener información sobre el banco en línea My Savings Direct, a division of Emigrant Bank, haga clic aquí .
Emigrant Bank es una institución asegurada por la FDIC con sede en
5 E 42nd St, New York, NY 10017.
Fue fundada en
1850 y tiene aproximadamente $7 mil millones en activos. Los clientes pueden abrir una cuenta en una de sus 5 sucursales.
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Descripción General 2026
Información General del Banco
Asegurada por la FDIC
Sí
Certificado FDIC
# 12054
Fecha de Establecimiento
1850
Activos
$ 6.52 mil millones
Préstamos
$ 4.62 mil millones
Depósitos
$ 4.85 mil millones
Capital
$ 1,409.24 millón
Resumen del Balance General al December 31, 2025
Activos
Efectivo y saldos adeudados por instituciones depositarias
$ 562.77 millón
Saldos que devengan intereses
$ 549.35 millón
Total de valores
$ 436.42 millón
Fondos federales vendidos y recompra inversa
N.A.
Préstamos y arrendamientos netos
$ 4.62 mil millones
Provisión para pérdidas de préstamos
$ 78.58 millón
Activos de la cuenta de trading
$ 0.89 millón
Locales bancarios y activos fijos
N.A.
Otros bienes inmuebles de su propiedad
$ 4.65 millón
Fondo de comercio y otros intangibles
$ 104.63 millón
Todos los demás activos
$ 512.90 millón
Activos totales
$ 5.00 mil millones
PASIVO
Depósitos totales
$ 4.85 mil millones
Depósitos que devengan intereses
$ 4.67 mil millones
Depósitos mantenidos en oficinas nacionales
$ 4.85 mil millones
% asegurada (estimada)"
86.82%
Fondos federales adquiridos y acuerdos de recompra
N.A.
Pasivos comerciales
N.A.
Otros fondos prestados
$ 18.90 millón
Deuda subordinada
N.A.
Todos los demás pasivos
$ 119.05 millónn
Pasivos totales
$ 5.00 mil millones
Patrimonio de los accionistas
$ 1,516.33 millón
Estado de resultados resumido al mes de December 31, 2025
INGRESOS Y GASTOS
Ingresos totales por intereses
$ 332.35 millón
Gasto total por Intereses
$ 145.76 millón
Ingresos netos por Intereses
$ 186.59 millón
Provisión para pérdidas por préstamos y arrendamientos
$ 19.10 millón
Ingresos totales no financieros
$ 41.72 millón
Gastos totales no financieros
$ 161.01 millón
Ingresos operativos netos antes de impuestos
$ 31.36 millón
Reseñas de clientes para Emigrant Bank (6)
Calificada 3.83 estrellas fuera de 5 - residencia en 6 reseñas
Nuisance but good
June 13, 2023 |
These Emigrant subsidiaries - Dollar Savings Direct and My Banking Direct - are a real nuisance when one offers a better rate that the other will not match. Transfers are next day though. So I can transfer out of one and through Bank of America and into the other and I only lose 2 days of interest.
Trace78
December 28, 2022 |
Everyone loves to attack this one, but I've had a few of these accounts and here's the one thing I know. If I go to their site and want to transfer money from my external account, it is a same day thing. In other words I am earning interest the same day. Now, I know that it is only one account that you can link, can't run a transfer from outside, etc., etc., but this is worth something, no?
Lorraine J
December 5, 2022 |
Feels like the three cup gambling trick at tourist sites in London or Paris with all of the rate changes at different subs and not being about to move between Dollar Savings and My Savings. I also don't like the gold and foreclosed property pitches (only on websites after you log in). All that having been said, they do tend to be competitive with one of the two subs sometimes and they do not restrict online transfers (a huge problem with other banks on this list).
PatelY
October 25, 2022 |
Here is a warning. Unlike other online banks, if you try to set up an link in order to withdraw money from an external account by verifying two small deposits, it will be rejected by the bank. They only allow ACH deposits.
IsabellaTrans
October 11, 2022 |
Not great service, but all I need is access and the ability to transfer money with no limits and this one fits the bill nicely.
Jack the ripper 01
September 21, 2022 |
I am excited to see DSD as the first online bank to cross the 3% barrier. I have been an account holder on-and-off with this one from many years. I am aware of all of the comments about Emigrant Bank and their tactics. They have a history of playing among their brands - lower or holding one rate constant while raising another - and it is a real nuisance. But, that happens over months and years and usually not immediately (they aren't going to raise the rate to 3% today and lower it to 2% tomorrow, or at least that type of action isn't in their history). You can benefit from their higher rates as long as you continue to pay attention. And, the best thing is that if it becomes uncompetitive, you get out in two clicks (unlike Synchrony or Bread Savings or Rising Bank and Valley Direct that make it a full time job to get out).
Sucursales
Haga clic en la ubicación e ingrese el nuevo número postal para cambiarlo."
Tu ubicación actual es: Phoenix, AZ
Nuisance but good
June 13, 2023 |
These Emigrant subsidiaries - Dollar Savings Direct and My Banking Direct - are a real nuisance when one offers a better rate that the other will not match. Transfers are next day though. So I can transfer out of one and through Bank of America and into the other and I only lose 2 days of interest.
Trace78
December 28, 2022 |
Everyone loves to attack this one, but I've had a few of these accounts and here's the one thing I know. If I go to their site and want to transfer money from my external account, it is a same day thing. In other words I am earning interest the same day. Now, I know that it is only one account that you can link, can't run a transfer from outside, etc., etc., but this is worth something, no?
Lorraine J
December 5, 2022 |
Feels like the three cup gambling trick at tourist sites in London or Paris with all of the rate changes at different subs and not being about to move between Dollar Savings and My Savings. I also don't like the gold and foreclosed property pitches (only on websites after you log in). All that having been said, they do tend to be competitive with one of the two subs sometimes and they do not restrict online transfers (a huge problem with other banks on this list).
PatelY
October 25, 2022 |
Here is a warning. Unlike other online banks, if you try to set up an link in order to withdraw money from an external account by verifying two small deposits, it will be rejected by the bank. They only allow ACH deposits.
IsabellaTrans
October 11, 2022 |
Not great service, but all I need is access and the ability to transfer money with no limits and this one fits the bill nicely.
Jack the ripper 01
September 21, 2022 |
I am excited to see DSD as the first online bank to cross the 3% barrier. I have been an account holder on-and-off with this one from many years. I am aware of all of the comments about Emigrant Bank and their tactics. They have a history of playing among their brands - lower or holding one rate constant while raising another - and it is a real nuisance. But, that happens over months and years and usually not immediately (they aren't going to raise the rate to 3% today and lower it to 2% tomorrow, or at least that type of action isn't in their history). You can benefit from their higher rates as long as you continue to pay attention. And, the best thing is that if it becomes uncompetitive, you get out in two clicks (unlike Synchrony or Bread Savings or Rising Bank and Valley Direct that make it a full time job to get out).