About GE Capital Retail Bank

GE Capital Retail Bank is a federal savings bank headquartered in Draper, Utah and a member of the Federal Deposit Insurance Corporation. It provides customized credit programs to retailers and consumers in the United States, including private label and bankcard credit programs to major national, regional and independent retailers, as well as private label credit programs, promotional and installment lending, bankcards and financial services for consumers through dealers, contractors, manufacturers, healthcare practices, and service providers across nearly 20 industries.
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Overall Rating

B
Grade

GE Capital Retail Bank Report Card

Overall rating score 55%
Customer Rating
Based on 3 Reviews
Financial Health
Based on Texas Ratio: 6.26
Bank Fees
vs. Average
Bank Rates
vs. Average
Mobile Banking
Quality of Mobile Services

Locations & Hours

GE Capital Retail Bank Location Map
GE Capital Retail Bank Location Map
We found branches close to you and 1 nationwide.
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Customer Reviews

Most Helpful Customer Reviews

Easley312's Profile Image

Reviewed by Easley312

Apr 2nd 2014

1 out of 5 marks

Horrible Customer Service

1st off you can only post a payment on line via a debit card when there is someone there. So if you work 3rd shift you have to use your bank account. Which takes more time to process.

2nd A few hours after you post you will recieve a email saying that your payment has posted with a confirmation number. THIS IS NOT TRUE!!! This email that says it has posted means that it will post within the next 24 hours. When you ask customer service why did you receive an email if it hasn't posted they either repeat the same company line of " It takes 24-48 our for our system to post" or they hang up on you. Took me 2 hours to finally get to a supervisor that once again did nothing. Once this account is paid off I will never use GE again.

Is this review helpful? ▲ Yes 1 ▼ No 0

RyanHealey's Profile Image

Reviewed by RyanHealey

Feb 23rd 2014

2 out of 5 marks

Web Site from 1990 Makes Experience Painful

GE Capital Retail Bank handles the servicing of many credit card account for retailers such as Gap, Amazon, etc. However, it's 2014 and their customer facing web site is one of the most outdated of any bank anywhere. Sign in is cumbersome, features are hard to navigate, old accounts remain visible the staff claims there is no way to remove them and the entire site looks a decade old. I can't believe GE can't afford to have a state of the art web site that puts Discover, Chase, Citibank and others in the industry to shame. However, months and years pass with no improvement.

Is this review helpful? ▲ Yes 3 ▼ No 0

MikeA's Profile Image

Reviewed by MikeA

Apr 8th 2014

1 out of 5 marks

Phony Late Fees - GE Capital

These people are crooks. Got my motorcycle loan for Kawasaki through them, 0.00% APR. By the time the bill arrives, you have about 7 days to send the payment before it's "late". I sent it the next day a few times, from CO to GA. How long can that possibly take? I always see the check posted to my bank account either on the day its due or a few days after. Then they hit me with a $40 late fee. I'm positive that they do this on purpose since my loan has no interest payments. Total scam! Do yourself a favor and avoid these scumbags!

Is this review helpful? ▲ Yes 1 ▼ No 0

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Bank Rates

NAME RATE (APY) MIN TO EARN APY MIN TO OPEN
High Yield Savings

0.95%

$0

$0

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High Yield Savings

0.95%

$5,000

$5,000

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High Yield Savings

0.95%

$10,000

$10,000

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High Yield Savings

0.95%

$25,000

$25,000

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TERM RATE (APY) MIN TO OPEN
3 Month CD

0.30%

$2,000

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3 Month CD

0.35%

$15,000

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3 Month CD

0.35%

$25,000

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3 Month CD

0.35%

$50,000

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3 Month CD

0.35%

$100,000

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6 Month CD

0.45%

$2,000

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6 Month CD

0.55%

$15,000

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6 Month CD

0.65%

$25,000

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6 Month CD

0.65%

$50,000

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6 Month CD

0.65%

$100,000

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9 Month CD

0.50%

$2,000

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9 Month CD

0.65%

$15,000

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9 Month CD

0.70%

$25,000

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9 Month CD

0.70%

$50,000

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9 Month CD

0.70%

$100,000

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12 Month CD

0.95%

$2,000

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12 Month CD

1.00%

$15,000

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12 Month CD

1.05%

$25,000

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12 Month CD

1.05%

$50,000

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12 Month CD

1.05%

$100,000

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13 Month CD

1.10%

$2,000

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15 Month CD

1.15%

$2,000

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18 Month CD

0.95%

$2,000

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18 Month CD

1.00%

$15,000

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18 Month CD

1.05%

$25,000

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18 Month CD

1.05%

$50,000

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18 Month CD

1.05%

$100,000

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24 Month CD

1.10%

$2,000

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24 Month CD

1.10%

$15,000

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24 Month CD

1.15%

$25,000

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24 Month CD

1.15%

$50,000

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24 Month CD

1.20%

$100,000

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36 Month CD

1.25%

$2,000

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36 Month CD

1.25%

$15,000

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36 Month CD

1.30%

$25,000

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36 Month CD

1.30%

$50,000

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36 Month CD

1.35%

$100,000

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48 Month CD

1.70%

$2,000

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48 Month CD

1.70%

$15,000

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48 Month CD

1.75%

$25,000

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48 Month CD

1.75%

$50,000

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48 Month CD

1.75%

$100,000

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60 Month CD

2.20%

$2,000

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60 Month CD

2.20%

$15,000

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60 Month CD

2.25%

$25,000

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60 Month CD

2.25%

$50,000

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60 Month CD

2.25%

$100,000

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TERM RATE (APY) MIN TO OPEN
3 Month CD

0.30%

$2,000

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6 Month CD

0.45%

$2,000

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9 Month CD

0.50%

$2,000

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12 Month CD

0.95%

$2,000

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18 Month CD

0.95%

$2,000

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24 Month CD

1.10%

$2,000

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36 Month CD

1.25%

$2,000

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48 Month CD

1.70%

$2,000

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60 Month CD

2.20%

$2,000

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Banking Fees

Type Fee National average
Monthly Inactivity

N/A

$6

Non-Sufficient Fund (Overdraft)

N/A

$30

Stop Payment item

$25

$27

Return Deposit

$20

$17

Domestic Wire Transfer (Outbound)

$25

$22

Domestic Wire Transfer (Inbound)

$0

$8

Non-Bank ATM

$0

$5 rebate per statement cycle

$1

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