Disclosures
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Disclosures

Disclosures and Agreements

Below are links to our disclosures for your convenience.

 
Disclosure & Schedule of Fees

Deposit Agreement

E-Sign Consent

Funds Availability

Online Banking Agreement

Privacy Notice


FAQs

What are state restrictions?
Not all products are available in all states. Each state has its own set of laws designed to protect investors against fraudulent sales practices and activities in its territory. As a result, a state restriction will vary by the issuing bank and offering. TotalDirectBank can conduct business anywhere in the US with exception of American Samoa, Florida, Guam, Northern Mariana Islands, Puerto Rico and US Virgin Islands.
What are the differences between a Certificate of Deposit and a Money Market Deposit Account?

Money Market Deposit Account Certificate of Deposit (CD)
Recommended for: Low-risk rainy-day fund Long-term deposits
Withdrawal Restrictions: Six transactions per month Withdrawal fee before maturity
Fees: Excessive transaction fee Early withdrawal and wire transfer fees
Minimum Balance: $2,500 $25,000
What is FDIC Insurance?
The FDIC (Federal Deposit Insurance Corporation) protects you against losses in the unlikely event of a bank failure up to $250,000. For more information on your FDIC coverage, use the FDIC’s deposit insurance estimator.
Do I need to be a U.S. citizen to open an account? 
No. In order to open an account with TotalDirectBank, you must be a U.S. Citizen or a Resident Alien.  Federal Banking regulations require a valid social security number, valid driver's license, state issued ID of a U.S. issued passport for documentation.
How do I fund my account?

We have two options available for you to fund your new account:

  1. Online funding- Complete an online transfer from your linked external account.  An external account is one you own at a U.S. financial institution other than your TotalDirectBank account and that can be used to transfer funds to other banks.
  2. Mail a check -You can mail a check made payable to yourself, or you can endorse checks made payable to you and write "For Deposit Only" on the back of the check.  Please be sure to include your application number on the section labeled memo.
Please mail all checks to:
TotalDirectBank
P.O. Box 524470 
Miami, FL 33152-4470
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Copyright © TotalDirectBank by TotalBank is a registered Trademark of  City National Bank of Florida (“CNBFL”).  All TotalDirectBank deposit products are offered by, and will be opened through, CNBFL. CNBFL is Member FDIC. Processing services for all TotalDirectBank deposit products are provided by CNBFL. All deposits with CNBFL (including deposits through TotalDirectBank deposit products) are insured by the FDIC up to the applicable maximum amount allowed by law for each deposit ownership category. All balances for TotalDirectBank and CNBFL deposits would be combined for purposes of determining FDIC coverage eligibility. For more information about FDIC Insurance coverage of deposit accounts, visit https://www.fdic.gov/deposit.
Member FDIC