About Virtual Bank

VirtualBank, a federally chartered, FDIC-insured bank based in Palm Beach County, Florida, is a division of Sabadell United Bank, N.A.
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Overall Rating

MyBankTracker rated Virtual Bank 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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MyBankTracker Rating

Customer Rating
Based on 4 Reviews
Financial Health
Based on Texas Ratio: 0
Bank Fees
vs. Average
Bank Rates
vs. Average
Mobile Deposits
Mobile Deposits
Mobile Banking
Quality of Mobile Services

Most Helpful Customer Reviews

Fisherman1's Profile Image

Reviewed by Fisherman1

Mar 7th 2014

4 out of 5 marks

Had some excess money, had to spread it out so I tried Virtual Bank. It is going well.

I had to spread some money out between banks, so I compared rates and found Virtual Bank. The rates are okay. Not the best, but lets face it, rates are not great anywhere. What I wanted was a strong bank for safety reasons.

The application was easy. They use some system to verify me and I had to answer questions to prove I was me. OK, I understand that. The account was opened quickly. The money was automatically transferred. The rate is much better than I could get at my regular bank.

All in, I had a good experience. The rate is decent. I did have a question so I sent them a message thru online banking, and they answered quickly and nicely. I have no complaints. Will see how it goes.

Is this review helpful? ▲ Yes 2 ▼ No 0

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Bank Rates

NAME RATE (APY) MIN TO EARN APY Min Deposit
eMoney Market

0.65%

$0

$100

eMoney Market

0.65%

$10,000

$100

eMoney Market

0.68%

$25,000

$100

eMoney Market

0.73%

$50,000

$100

eMoney Market

0.78%

$100,000

$100

NAME RATE (APY) MIN TO EARN APY Min Deposit
High Yield Checking

0.25%

$0

$500

High Yield Checking

0.30%

$2,500

$500

High Yield Checking

0.35%

$10,000

$500

High Yield Checking

0.50%

$25,000

$500

High Yield Checking

0.65%

$50,000

$500

TERM RATE (APY) Min Deposit
1 Month CD

0.15%

$10,000

2 Month CD

0.15%

$10,000

3 Month CD

0.40%

$10,000

6 Month CD

0.65%

$10,000

9 Month CD

0.70%

$10,000

12 Month CD

1.16%

$10,000

18 Month CD

1.21%

$10,000

36 Month CD

1.36%

$10,000

48 Month CD

1.78%

$10,000

60 Month CD

1.81%

$10,000

Banking Fees

Type Fee National average
Monthly Inactivity

$5

More than 36 months inactive

$7

Non-Sufficient Fund (Overdraft)

$25

$30

Stop Payment item

$25

$27

Return Deposit

$15

$13

Domestic Wire Transfer (Outbound)

$20

$22

Domestic Wire Transfer (Inbound)

$0

$9

Non-Bank ATM

$0

$1