About EmigrantDirect

Emigrant Bank was founded by Irish emigrants as a mutual savings bank in 1850. By the 1920s it had grown to become the largest savings bank in the nation.
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Overall Rating

MyBankTracker rated EmigrantDirect based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank.


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Customer Rating
Based on 4 Reviews
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Most Helpful Customer Reviews

Robert P's Profile Image

Reviewed by Robert P

Mar 4th 2011

4 out of 5 marks

Decent bank. Seems overly restrictive in user interface and security precautions

The interest rate on savings account seems to stay within the top 10-20%. They have a lot of security precautions which seem like overkill. The website seems old-timey (think 1999). Overall a decent bank for saving, but you can probably find better interest rates.

Is this review helpful? ▲ Yes 1 ▼ No 0

kabmon's Profile Image

Reviewed by kabmon

Oct 7th 2011

5 out of 5 marks

Excellent Service Online And By Phone.

I've been an emigrantdirect customer for over five years. I appreciate a well-designed web site that offers extra security. It's easy to transfer funds between accounts and from one or two of your brick-and-mortar banks, and easy to purchase cds. They've never made a mistake on my accounts, and their customer service both through online secure email and on the phone is friendly and efficient. I was very impressed with the way they handled a beneficiary transfer after the death of a friend who held an account with them. Interest rates rise and fall. Trying to chase the highest rate is futile. Staying with a trustworthy online bank such as emigrant has made my banking stress-free.

Is this review helpful? ▲ Yes 1 ▼ No 0

Ed D's Profile Image

Reviewed by Ed D

May 21st 2009

4 out of 5 marks

Great bank

I've been with the bank for some time now and find it superior to, for example, ING Direct. I only use it for a savings account so I can't remark on other services.

Is this review helpful? ▲ Yes 1 ▼ No 0

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Banking Fees

Type Fee National average
Monthly Inactivity



Non-Sufficient Fund (Overdraft)



Stop Payment item



Return Deposit



Domestic Wire Transfer (Outbound)



Domestic Wire Transfer (Inbound)



Non-Bank ATM