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Personal Banking
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Our personal banking services are designed to be flexible so you can select the options that are most convenient for you. We see our clients as individuals, each with slightly different financial needs. Our goal is to meet those individual needs by providing innovative products with an extraordinary level of client service.
Checking & Savings
| eChecking is a high-yield, interest-bearing checking account which features unlimited check writing privileges with no monthly account maintenance charge if an average daily balance is met. Additionally, clients may enjoy unlimited access to their eChecking account through several other convenient options. A minimum opening deposit of $2,500 is required. Interest is calculated on the average daily collected balance and paid monthly. |
eSavings is a high-yield, tiered-rate money market savings account that allows immediate access while paying interest rates comparable to term investments. You may write three checks per month and also access your account at virtually every ATM. A minimum opening deposit of $2,500 is required. Interest is calculated on the average daily collected balance and paid monthly. |
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eCard is a combined ATM and debit card that can be used to deposit, withdraw or transfer funds with no fee at virtually every ATM. We reimburse surcharges, up to four transactions per month, for transactions anywhere in the world. It can also be used to purchase goods and services anywhere VISA® is accepted, with funds being automatically deducted from an eChecking account. Withdrawals, transfers and inquiries can be made at any ATM in the MAC® or Magic Line® regional network and the CIRRUS® national and international network. Deposits can be made at most MAC and Magic Line ATMs. Access to eChecking, eSavings and lines of credit can be accessed through any network ATM.
Investments
eCertificates are time deposits with specified maturities. A minimum opening deposit of $5,000 is required. eFinancial Certificates of Deposit feature maturities ranging from seven days to five years. Interest on these time deposits is calculated on the daily balance and compounded quarterly. As an option, interest can be paid by check or credited to an eFinancial bank transaction account as often as monthly.
Individual Retirement Accounts are offered as savings accounts or Certificates of Deposit.
Loans
Home Equity Lines of Credit are variable rate credit lines secured by the equity in your home. A minimum credit limit of $10,000 is required. Interest is generally tax deductible and the credit line can be tied to your personal checking account or accessed by special check, phone transfer, or ATM. Interest payments are required monthly.
Consumer Loans for cars, recreational vehicles including motor homes, boats, etc., are some examples of loans available to you from eFinancial.
Residential Mortgages for the purchase, construction or refinance of a primary residence or vacation home are available through fixed and adjustable rate mortgages.
Other Services
Automated Telephone Access is a 24-hour self-service banking method using a toll-free telephone number. Simple recorded instructions are provided for you to obtain account information or initiate transactions. With a touch tone phone and personal identification number, you have the ability to check account balances, verify transactions, receive a FAX of your account activity, transfer funds between eFinancial accounts, make loan payments, and verify a specific check.
Bank by Mail features postage-paid business reply envelopes for your convenience.
eBank is free online banking service offering a secure connection to your eFinancial accounts. Real-time account access--24 hours a day, 7 days a week--can be obtained from any personal computer with an internet connection. View account balances and transactions, transfer fund between eFinancial accounts, and verify balances conveniently from your home or office. The optional bill payment service enables you to direct payments from your eChecking account to any third parties you wish to pay--all online
Personal Lines of Credit are variable-rate lines of credit that can be used for any personal credit need. With a minimum credit limit of $10,000, your personal line of credit can be tied to your eChecking account and accessed by special check, phone transfer, or ATM. Monthly or quarterly interest payments required.
Overdraft Lines of Credit are attached to an eChecking account and are automatically activated to pay checks presented in excess of the account balance up to the approved limit. Credit limits of $1,000 to $10,000 are available. The prime plus 6% rate is adjusted daily and a monthly payment of interest plus 4% of principal is standard.
eGold is a VISA credit card recognized worldwide used to make purchases and obtain cash advances. Credit limits are available from $2,000 to $50,000 with an interest rate of prime plus 2% adjusted monthly. There is no annual fee. Additional benefits include $150,000 common carrier travel insurance, auto rental collision and theft insurance, travel assistance services, purchase security and extended protection for most goods purchased, and 24-hour cash worldwide through ATMs displaying the VISA® logo.
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