TotalBank Rates & Review

TotalBank

TotalBank provides personal banking, business banking, international banking and investment services throughout the state of Florida.

Founded in 1974, TotalBank is headquartered in Miami. It provides personal banking, business banking, international banking and investment services in 15 locations throughout Miami-Dade County. TotalBank is a member of Grupo Banco Popular Español, which boasts over $185 billion in assets; TotalBank is now strengthened by the third largest banking group in Spain.

Personal banking

TotalBank offers a variety of personal savings and checking account choices. The bank also offers personal deposit accounts, CDs, personal loans, home mortgages, home equity lines of credit, credit cards, IRAs, Jewel Club Accounts and a bank savings account.

Totally FREE Checking requires no minimum balance, monthly service charges or per check charge. This account offers unlimited check writing, a low minimum opening balance, ATM/check card, online banking and online bill paying.

Total 50+ Interest Checking is a free interest-earning checking account for customers age 50 and over.

The Personal Premium Money Market Account earns competitive interest rates. This account earns tiered interest rate rewards for higher balances. A minimum daily balance is required.

Business banking

Business customers can choose between a variety of checking account options. Business services include business checking, commercial checking, commercial loans and loans for professionals.

Totally Free Business Checking requires no minimum balance, monthly service charges or per check charges. A low minimum opening balance is required. This account offers a free Business ATM/Check Card, online banking and online bill paying.

Public Funds Interest Checking is for municipalities and governmental agencies only. This account earns a high variable interest rate tied to T-Bills with interest compounded and paid monthly.

International banking

TotalBank's international banking services include Global Trade Finance, International Personal Banking and Foreign Exchange services.

Deposit insurance

TotalBank has been insured by the Federal Deposit Insurance Corporation since its founding in 1974.

In July 2010, FDIC coverage for eligible deposits was permanently increased from $100,000 to $250,000 per depositor. Joint accounts are insured by FDIC up to at least $250,000 per account holder.

Compare high yield savings accounts from TotalBank and hundreds more banks and credit unions at SavingsAccounts.com.