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Online Banking > Overview

Our Online Banking gives you 24 hour, 7 days a week access to your checking, savings, money market, certificate of deposit, and consumer loan accounts from your home or office computer. Elkton Bank and Trust Company’s Online Banking combines convenience and flexibility while you easily conduct a wide range of personal banking transactions.

With Elkton Bank and Trust Company’s Online Banking, you can:

  • Review your deposit account information.
  • Review your loan account information.
  • Make transfers between accounts.
  • Make payments on your Elkton Bank and Trust Company consumer loans.


Q. Is there any special software required?
No. Just an internet browser that supports 128-bit encryption. The following browsers are all acceptable: Microsoft Internet Explorer version 5.5 or higher (with Secure Sockets Layer support) or Netscape Communicator version 6.2 or higher.

Q. Is Online Banking secure?
Yes. Besides using 128-bit encryption, Elkton Bank and Trust Company’s Online Banking is built with several additional safeguards to ensure your account information remains secure. Should someone attempt to access your account portfolio using an incorrect password more than three times, Elkton Bank and Trust Company will lock the entire session from use for 30 minutes. Should this happen more than three times, the lockout will become permanent and can only be cleared by an Elkton Bank and Trust Company employee. Should you forget to logout of Online Banking, your session will automatically be terminated after 15 minutes of inactivity.

Q. What if my ACCESS ID and/or PASSWORD don’t seem to work?
There are a couple of solutions to this problem. The most common issue is the placement of your CAPS LOCK key. Your ACCESS ID and PASSWORD are case sensitive. The second most common issue is a complete lockout of your account. If you weren’t sure of your PASSWORD, and began guessing or didn’t realize that you were entering your PASSWORD in the wrong case, you had only three chances to get it right. As a security feature, we lockout all accounts if an incorrect PASSWORD is entered on the third try. The lockout session will last for 30 minutes. If you initiate the lockout three times, it becomes permanent. To reset a lockout, visit any Elkton Bank and Trust Company location during regular business hours. Your signature is required on a “Reset Password” form before your account can be reset.

Bill Pay > Overview

Discover just how easy it is to pay your monthly bills with Elkton Bank and Trust Company‘s Bill Pay! With the simple click of a mouse, your monthly bills can be paid in a matter of minutes. Pay anyone, anytime from anywhere in America. No more writing checks, no more postage, no more hunting around the house for envelopes, no more tearing, ripping, and filing of your bills. Just point and click. Some features and benefits include:
• Unlimited transactions
• View payment history
• Auto-payment for recurring bills
• Schedule, change, or stop single and recurring transactions


Q. How do I get started using Bill Pay?
Come in and see us at any of our locations to fill out an enrollment form.

Q. How soon can I start making payments using Bill Pay?
You can begin scheduling payments after your enrollment is processed by the Bank (usually 24 hours). Please refer to our fee schedule (located under “Fees and Charges) for pricing associated with this service. You will find most nationally recognized payees already available for your use. Local payees may need to be registered prior to the first payment to them. A new payee usually takes 48 – 72 hours for approval. Once established, however, those particular payees will be available for immediate use on subsequent visits.

Q. How are payments delivered and how can I ensure that my payee receives my payment by the due date?
Payments must be scheduled no later than 6:00pm prior to the day it is to be paid; however, payments can also be scheduled for future dates or on the same day each month. Although you can enter payment information 24 hours a day, 7 days a week, payments can only be initiated on business days. Because of the time it takes to remit your payment to the payee, they will not receive the payment on the processing date (the date you instruct us to deduct the funds from the account). Therefore, in order to provide sufficient time for payments to be received by your payee, the processing date should be a minimum of ten (10) business days before the bill’s actual due date.

Q. Why does it take ten business days and sometimes more for payments?
We must send a check to the payee via US Mail. Once the payee receives the check, it may take a day or so for the payee to process and post the check to your account. Holidays must also be taken into consideration.

Q. What should I do if a payee has not posted my payment?
First, be sure to allow a minimum of ten (10) business days for a payee to receive your payment. Contact your payee if the payment does not post within ten (10) business days of the date you requested the payment to be processed. As always, a copy of cancelled checks is maintained on file in case of any discrepancies. For copies of these please call Elkton Bank and Trust Company at (270) 265-9841 and ask for our Bill Pay department.

Q. If I currently have an automatic debit for a bill coming out of my checking account, should I cancel this debit and use Bill Pay?
It is recommended that you NOT cancel any auto debit. Payees who have their own debit program will often not allow 3rd party processors to remit payments to them. Our main concern is that your bill be paid in a timely manner and safely.

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