Don’t leave money on the table

Earn cash back on the debit card purchases you’re already making, plus refunds on ATM fees nationwide.

Benefits You’ll Love

  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • All purchasing categories earn you cash back
  • Link to Kasasa Saver® for automatic savings

Qualification Information: 

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, PIN-based or signature based debit card purchases less than $5.00, credit card purchases less than $5.00 debit and credit card purchases processed by merchants and received by our bank as ATM transactions, PIN-based or signature based transactions, non-retail payment transactions and purchases made with debit or credit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. 

"Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. 

Visit our website www.elktonbankandtrust.com or call us at 270 – 265 – 9841 for specific Monthly Qualification Cycle dates. 

Reward Information: 

When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 5.00% cash back on up to a total of $200.00 PIN-based or signature-based debit and credit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back payments may be earned per Monthly Qualification Cycle. 

You will receive up to $30.00 in reimbursements for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Kasasa Cash, Kasasa Cash Back, or Kasasa Tunes transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded. 

When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. 

Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle. 

Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. 

Additional Information: 

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. 

$50.00 minimum deposit is required to open the account. 

Monthly Direct Deposit or ACH credit, enrollment in online banking, receiving eStatements are a conditions of this accounts. 

Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. 

Limit of 1 account(s) per SSN. 

There are no recurring monthly maintenance charges or fees to open or close this account. 

Advertised information and rewards are based on all account qualifications being met during each cycle period. 

Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. 

Member FDIC. 

Trademarks: 

Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A. 

Kasasa Cash CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.

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  • Estimated monthly interest earned* $0
  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

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CD CalculatorDisclaimer

A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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  • Total interest earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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  • Total paid $0
  • Total interest paid $0

Banclub Checking

Plan Balance Fee
Basic $500+ $8.00
Personal $500+ $9.00
Family $500+ $10.00

You must deposit $100.00 to open this account. A minimum balance fee will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the statement cycle. Fees will be determined according to Banclub Plan Choice.

Banclub Now

Plan Balance Fee
Basic $500+ $8.00
Personal $500+ $9.00
Family $500+ $10.00

You must deposit $1,500.00 to open a Banclub NOW account and maintain a minimum daily balance of $1,500.00 to obtain the Annual Yield Percentage. Annual Percentage Yield is subject to change daily at bank’s discretion. Fees on this account will be determined according to Banclub plan chosen.

Compounding and Crediting
Interest will be compounded and credited to your account monthly. 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.

Business Checking

Balance Fee
$0 – $999.99 $10.00 
$1,000.00+ NO FEE

A minimum balance fee will be imposed every statement if the balance in the account falls below $1,000.00 any day in that cycle.

$0.10 PER ITEMS OVER 20 ITEMS

Business Money Market Plus

Balance Fee
$2,500 or Greater NO CHARGE
Less than $2,500 $15.00

You must deposit $2,500.00 to open a Money Market Plus account. A minimum balance fee will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the statement cycle. Annual Percentage Yield is determined by account balance and is subject to change daily at bank’s discretion. You must maintain a minimum daily balance of $2,500.00 to obtain APY.

Transactions Limitations
You may make only 6 transfers/withdrawals per calendar month or statement cycle of at least 4 weeks (not including those made by mail, in person, by telephone with check mailed to you, messenger, ATM or to repay loans with us). There will be a $5.00 per item charge for each transfer/withdrawal after the 6th transaction.

Compounding and Crediting
Interest will be compounded and credited to your account monthly. If you close your account before interest is credited, you will not receive the accrued interest. 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.

Kasasa Cash

Balance Rate APY
0 - $25,000 4.89% 5.00%
$25,000+ 0.50% 5.00% to 1.40%
All balances if qualifications not met 0.10% 0.10%

Qualifications

Earning the full rewards is so easy, you're probably already doing it! Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

  • At least 1 direct deposit or ACH credit
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.

Kasasa Saver

Balance Rate APY
0 - $200,000 1.99% 2.00%
$200,000+ 0.50% 2.00% to 1.50%
All balances if qualifications not met 0.10% 0.10%

Qualifications

Qualifying for Kasasa Cash or Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Cash Back account during each Monthly Qualification Cycle:

  • At least 1 direct deposit or ACH credit
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking

It's no problem if you miss a qualification cycle. Both accounts are still free. And you can get back to earning rewards the very next month you qualify.

Miscellaneous Fees

Effective May 1st, 2024  
Transaction Fee
Any new account closed within 90 days $25.00
Account reconciliation and research $20.00/hr ($10.00 min)

ATM withdrawal at other banks

$3.00 each 

Business Online

Business Bill Pay $5.00
Cash Management $10.00
Cashier's Check Fee $5.00
Money Orders Fee $4.00
Coin counting (non-customers) 5% of value, $3 min
Check Cashing (non-customers)  2% of each check presented or $10.00 min per check presented, whichever is greater.
Debit Card replacement: standard card $5.00
Debit Card replacement: speciality card $10.00

Dormant account fee 
(If after 1 year [checking] or 3 years [savings] you have made no deposits or withdrawals to the account.)

$5.00/month
Night Depository Fee $25.00/annual + purchase of bag
Domestic wire transfer  Outgoing $30.00
Incoming $20.00
International wire transfer  Outgoing $75.00
Incoming $20.00
Levy/Garnishment Fee $50.00
Insufficient/Overdraft Charge $25.00 per item
Return Mail Fee

$10.00 each

Safe Deposit Box rental annual fee
*rent charged to checking account, otherwise additional $5.00 processing fee)

3X5=$20.00
3X10=$30.00
5X10=$50.00
10x10=$75.00 (only available at HWY 79)

Special Statement Copy $5.00/each
Snapshot Statement Copy $2.00/each
Stop payment/Zero hold Fee $25.00/each

 

Money Market Plus

Balance Fee
$2,500 or Greater NO CHARGE
Less than $2,500 $15.00

You must deposit $2,500.00 to open a Money Market Plus account. A minimum balance fee will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the statement cycle. Annual Percentage Yield is determined by account balance and is subject to change daily at bank’s discretion. You must maintain a minimum daily balance of $2,500.00 to obtain APY.

Transaction Limitations
You may only make 6 transfers/withdrawals per calendar month or statement cycle of at least 4 weeks (not including those made by mail, in person, by telephone with check mailed to you, messenger, ATM or to repay loans with us). There will be a $5.00 per item charge for each transfer/withdrawal after the 6th transaction.

Compounding and Crediting
Interest will be compounded and credited to your account monthly. 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.

Now Checking

Balance Fee
$1,500 or Greater NO CHARGE
Less than $1,500 $10.00 
Senior Citizens (65 Years+) NO CHARGE (Must Notify Bank)

You must deposit $1,500.00 to open a NOW account and maintain a minimum daily balance $1,500 to obtain the Annual Yield Percentage. Annual Percentage Yield is subject to change daily at bank’s discretion. A minimum balance fee will be imposed every statement cycle if the balance in the account falls below $1,500.00 any day of the cycle.

Compounding and Crediting
Interest will be compounded and credited to your account monthly. 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.

Personal Checking

Balance Fee
$0 – $99.99 $9.00
$100 – $299.99 $8.00
$300 – $499.99 $7.00
$500 – $699.99 $6.00
$700+ $0

You must deposit $100.00 to open this account. A minimum balance fee will be imposed every statement if the balance in the account falls below $700.00 any day.

Senior Citizens (65 years+) NO CHARGE
Fulltime Student (To Age 23) NO CHARGE

Regular Savings

Balance Fee
$250 or Greater No Charge
Less than $250 $5.00

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.

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.

Make a Statement & Give Back