Discover the difference of a Visa® Gold Credit Card
Expand your purchasing power with enhanced benefits and high-level service of Elkton Bank & Trust Company.
Benefits You’ll Love
- Use wherever Visa® is accepted
- Manage your account online
- Free from annual fees
- Apply at any branch today
- Apply for a VISA® Gold Credit Card and expand your purchasing power
- Free digital banking services, including:
- Review activity
- Check your balance
- View statements
- Shop everywhere VISA is accepted
- Accepted at thousands of locations worldwide
- Easily replaced if lost or stolen
- Enjoy the benefits that come with a VISA credit cad
Interest Rates and Fees |
Visa Gold |
| Annual Percent Rate (APR) for Purchases | 15.15% Variable-Rate determined by adding 6.65% to the Prime Rate* |
| APR for Balance Transfers | 15.15% Variable-Rate determined by adding 6.65% to the Prime Rate* |
| APR for Cash Advances | 15.15% Variable-Rate determined by adding 6.65% to the Prime Rate* |
| Penalty APR and When It Applies | None |
| How to Avoid Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on retail purchases, cash advances and balance transfers if you pay your entire balance by the due date. |
| Minimum Interest Charge | If you are charged interest the charge will be no less than $1.00. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the CFPB at https://www.consumerfinance.gov/learnmore. |
Fees |
Visa Gold |
| Annual Fee | $10.00 per Card |
Transaction Fees
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Penalty Fees
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Other Fees
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*The prime rate used to determine your APR is the rate published in the Wall Street Journal on the second Tuesday of every month.
Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.
How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases). *An explanation of this method is
provided in your account agreement.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Updated: 11/23
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.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
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.
- Net cost of buying $0
- Net cost of leasing $0
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.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
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.
- Monthly deposit needed to reach goal $0
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.
- Estimated monthly payment $0
- 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 |
$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 |
| 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.
