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GBC International Bank Review

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GBC International Bank Savings
0.20% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Started in 1976, GBC International Bank has assets totaling $494 million and deposits totaling $379 million, ranking the institution as a medium-size bank. GBC International Bank, whose headquarters are in Los Angeles, California, lacks premium access to support representatives, with no options for live chat or all-day service. It is a traditional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile apps. With a score of 3.6 stars out of 5, GBC International Bank should be near the middle of the pack in your search for a bank. GBC International Bank provides customers with a varied choice of banking products, including savings accounts, checking accounts, money market accounts, CDs and IRAs. It has a fair savings rate; you can find higher rates with other banks. Finding a bank with free checking, in addition to a high interest rate savings account is your best option for getting the highest income from your deposits while maintaining easy access to your funds.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

With a savings rate of 0.20%, GBC International Bank ranks poorly as compared against the national average. Its one-year CD has a rate of 1.21%, while its highest-yielding money market account has an APY of 0.15%. Given GBC International Bank's below average savings rate, you should consider other options to earn more on your deposits.

How GBC International Bank's Savings Rates Compare

GBC International Bank Savings 0.20 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

There is insufficient data on GBC International Bank's fees to provide a full SmartAsset rating.

Monthly Fee N/A National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

GBC International Bank is a brick-and-mortar bank, with nine total branches in California and Washington. With mobile and web apps, GBC International Bank makes account access convenient, even on the go. It does not provide access to all-day customer service with actual service representatives. You can get help during its hours, which are Monday through Friday and 9:00 a.m. to 5:00 p.m. PT. You can utilize GBC International Bank's app to control your accounts by reviewing account balances, sending and receiving funds as well as reaching customer service. GBC International Bank receives a superb consumer satisfaction rating based on relatively few complaints brought to the Consumer Financial Protection Bureau (CFPB), a government-sponsored consumer protection agency.

Overall Mobile Rating NR
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

GBC International Bank is currently a medium-size bank and handles $494 million in assets as well as deposits totaling $379 million. Its Texas Ratio is 6.70%, signifying that GBC International Bank is in good financial well-being and unlikely to fail. Additionally, GBC International Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

High Risk 75% 50% 20% 10% Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare GBC International Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.2% APY $100
Checking Account 0.2% APY $100
Certificates of Deposit
  • 12 Month: 1.21% APY
  • 24 Month: 1.31% APY
  • 36 Month: 1.51% APY
$1000 for all terms
Money Market Account 0.1% APY $2500

GBC International Bank has several deposit products like savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. GBC International Bank does not have the best savings rate, which means you should think about other options for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. GBC International Bank's CD rates are fair as compared against the national average.

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Find a GBC International Bank Near Me

GBC International Bank has nine physical locations in the U.S.

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