TotalDirect, a division of City National Bank of Florida:
Online Savings Account - 1.50% APY

• Minimum amount to open Direct Money Market Deposit Account is $2,500.
• A $2,500 daily balance required to earn the disclosed Annual Percentage Yield (APY).
• No maintenance fee(s).
• Online transfer of funds using the external bank account.
• No transactions allowed by debit/credit card or by check.
• Fees may reduce earnings on the account.
• Unlimited deposit transactions, and up to six withdrawals and transfers per month.
• The maximum amount allowed per client is $500,000.

Fee and Feature Guide

Savings Account
Interest Rate
APY 1.50%
Minimum deposit amount $2,500.00
Maximum deposit amount $50,000.00
Balance Requirements
Minimum Opening Deposit $2,500.00
Minimum Balance to Avoid Fees $0.00
Minimum Required Balance $2,500.00
Monthly Maintenance Fee N/A
Foreign ATM Fees N/A
Insufficient Funds Fee $37.00
Incoming Wires $15.00
Paper Statements Yes
Online Statements Yes
Online and Telephone Banking
Online Banking Yes
Telephone Banking Yes
Mobile Banking Yes
Deposit Checks with Mobile Device Yes
Free Bill Pay Yes
Online Bill Payments Required Yes
Account Opening
Open Online Yes
Insured by F.D.I.C.

Customer Reviews for TotalDirect, a division of City National Bank of Florida

  • August 25, 2020 |

    Online CDs 12 Month Rates

    Bank is owned by a Florida bank and yet I wasn't able to open an account because I live in Florida. Go figure!

  • December 1, 2019 |

    It says: "Please note: TotalDirectBank can conduct business anywhere in the US with the exception of California, Florida, Puerto Rico, American Samoa, Guam, Northern Mariana Islands, Puerto Rico and US Virgin Islands." Nice of them to say twice that they won't do business with people from PR!

  • November 7, 2019 |

    More than a handful of annoying things but I finally go the account opened. It won't work for you if you live in Florida, California, Hawaii, Guam, etc.

  • October 23, 2019 |

    I couldn't tell if my application was received so entered it multiple times. Then was rejected for being a Florida resident. Parent bank is called City National Bank of Florida and they are descriminating against FL residents?

  • October 8, 2019 |

    Online CDs 12 Month Rates

    Pros: easy to open, could reach a phone rep easily. Cons: not the smoothest application process, couldn't figure out whether application was received so I entered it multiple times. I also did not like that I had to go back and link accounts through the accounts (not through entering check numbers) which I really didn't like (I had seen this once before on Radius). Overall, was worthwhile as I can't beat the rate.

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