Keep company cash in order with Business Online
Securely and conveniently view account history, make transfers, stop payments, and more!
Benefits You'll Love
- Free to view account history and transactions
- Easily reorder checks or make secure transfers
- Submit a stop payment with just a few clicks
- Complete wire transfers, submit tax payments, and more
Free – View Only
$5.00/monthly – Small Business Bill Pay
$10.00/monthly – Cash Management
- View History / Bank Statements
- Change Business Address
- Reorder Checks
- Account Transfer Options
- Submit Stop Payment Orders
- Send Domestic Wires
- Submit Tax Payments
Additional Fees:
- Domestic Wire Transfers - $20.00
- International Wire Transfers - $75.00
- ACH Transactions - $10.00 per file
- Go to www.elktonbankandtrust.com and located in the Online Banking menu in the top right-hand corner of the page. Enter your Login ID and check “First Time User” then click Login. The password field will be left blank since you will create your password in the steps that follow.
- You will then have to choose which method you prefer to get your secure access code: phone or email. Click “Continue.” Once you receive your secure access code, type it on the screen and click “Continue.”
- You will be presented with a legal disclosure. Please read completely and then click “I Accept” to continue. Now you will fill out your personal information and click “Create Profile.” You will then be asked to change your password. Type your new password in the “New Password” box and repeat the password in the “Confirm Password” box. Click on “Submit Password Change.”
- Now you’re read to use Business Online! The next time you login, you will have to get another secure access code. This is for your browser registration. You will have to do this step for each computer from which you access your account.
- If you need help, please refer to the User Guide on the homepage. Click on “Read More” to download the guide. If you need further assistance, please call us.
Liability for failure to make transfers:
If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:
- If, through no fault of ours, you do not have enough money in your account to make the transfer.
- If you do not allocate an ample amount of time for your bill payments to be processed and delivered to the payee. (up to 3 days for electronic payments and 5 to 8 days for paper draft payments.)
- If you have an overdraft line and the transfer would go over the transfer limit.
- If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
- There may be other exceptions stated in our agreement with you.
We will disclose information to third parties about your account or the transfers that you make:
- Where it is necessary for completing transfers; or
- In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
- In order to comply with government agency or court orders; or
- If you give us written permission.
Visitors to this bank website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as Date and Time our site was accessed; IP address; Web browser used; City, State and Country. The Bank uses this information to create summary statistics and to determine the level of interest in information available on our site. Visitors may elect to provide us with personal information via email or online registration forms. This information is used internally, as appropriate, to handle the sender’s request. It is not disseminated or sold to other organizations.
Some areas of our website may use a “cookie” temporarily stored in the visitor’s computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before.
Corporate Account Takeover is a type of fraud where thieves gain access to a business’ finances to make unauthorized transaction. It is a form of Business Identity Theft, and it can cause huge financial losses for businesses, communities, and banks.
Follow this link to learn more about how to protect your business from CATO!
Corporate Account Takeover Information for Customers
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.
