PERSONAL CHECKING

Explore the different checking accounts we offer.

PERSONAL SAVINGS

We offer several savings accounts to fit your lifestyle.

PERSONAL LENDING

Get the right loan for you, with a quick and flexible approval process.

IRA's

We offer both Traditional and ROTH IRA’s – let us help you plan for retirement.

BUSINESS CHECKING

Keep your money in your community.

BUSINESS LENDING

Looking for creativity, flexibility and local decision making?

ONLINE BANKING

24/7 access to your account.

MOBILE BANKING

No matter where you are, take Elkton Bank with you!

Personalized Debit Cards

Make a statement and give back to what matters to you

VISA Credit Cards

A Credit Card with personal, friendly service

Additional services

Make the most of banking with us!

Lost / Stolen Debit Card

Take action immediately. We’re here to help.

Identity Theft

Ensure your identity protection.

Meet The Team

The smiling faces of Elkton Bank and Trust.

History

Over 150 years of exceptional service in your community.

Learn more

Account holder resources and consumer alerts

Branches

Find an Elkton Bank and Trust near you.

Personal Savings

REGULAR SAVINGS

You must deposit $50.00 to open a Regular Savings account. A minimum balance fee will be imposed every statement cycle (quarterly) if the balance in the account falls below $250.00 any day of the quarter. Annual Percentage Yield is subject to change daily at bank’s discretion.

Balance Fee
$250 or Greater No Charge
Less than $250 $5.00
There will be a $2.50 per item charge for each withdrawal more than three (3) per quarter. The quarterly low balance fee will be waived for minors under the age of 18.

Transactions Limitation
You may make only three (3) withdrawals from your account each calendar quarter.

Compounding and Crediting
Interest will be compounded and credited to your account quarterly. You will not receive the accrued interest if you close your account before interest is credited. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (example: checks).

Balance Computation Method
We use the daily method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

CERTIFICATES OF DEPOSIT

We offer Certificates of Deposit, with a $500.00 minimum investment. Terms range from 7 days to 4 years. Contact one of our investment officers for rates, yields, and more information.

IRAs

We offer both Traditional and ROTH Individual Retirement Accounts. Fixed and Variable Rates for 12-, 18-, and 30-month terms are available. We also manage SEP Accounts and accept Rollovers from 401K, Profit Sharing, and other retirement accounts. Self-Directed IRAs are managed through our Trust Department.

Christmas Club Savings

There is no minimum deposit to open this account. Annual Percentage Yield is subject to change daily at bank’s discretion.

Fees
There is a $2.00 charge for each withdrawal made prior to the annual disbursement.

Compounding and Crediting
Interest will be compounded and credited to your account annually. You will not receive the accrued interest if you close your account before interest is credited. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (example: checks).

Balance Computation Method
We use the daily method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.