Tap, insert, or swipe
No matter how you choose to use it, enjoy a debit card that makes you proud each and every time you pay.
Benefits You’ll Love
- Choose from 8 unique styles
- Same-day card service available
- Options for consumer and business customers
- All the benefits of a VISA debit card
Elkton Bank & Trust is thrilled to offer our customers the opportunity to personalize your debit card! We have 8 card styles available to both business and consumer accountholders. With 6 standard debit cards available for just $5.00 and specialty debit cards available for only $10.00 – you can ensure you swipe in style whenever you make a purchase.
When you’ve chosen the style you like, the card can be issued that very same day and picked up at the Main Office, Guthrie branch or the Highway 79 branch.
Whether you’rer ordering a new debit card or not, you can always customize your PIN # for your Elkton Bank & Trust debit card. Changes to your PIN will take effect immediately!
Contact our Debit Card Department at (270)-265-9841 and we’ll be happy to complete your request.
We have 8 card styles to choose from, available for both consumer and business accounts.
For an easy way to support your community, choose the School Spirit Card. For each card issued, Elkton Bank & Trust will donate $5.00 to the school system. What happens with those funds is up to the Todd Central High School students, whether it supports the School Resource Center, student organizations, playground equipment, etc.
Help preserve the rich history of Todd County with the Historic Courthouse Card! For each card issued, $5.00 will be donated directly to the restoration and preservation of our historic courthouse, protecting our unique heritage.
Say hello to uChoose Rewards - a rewards program that's based on giving you millions of choices on what to get for all the points you earn.
How does uChoose Rewards work?
Earn 1 point for every $2 you spend, every time you shop! Watch your points add up each and every time you use your Elkton Bank & Trust debit card and sign for your purchases.
Redeem points for millions of items!
Use your points to choose from a wide array of products to travel experiences and activities, event tickets, and much more! Visit www.uchooserewards.com to get started today.
When can I redeem points?
It can take up to 40 days for your points to be credited to your account. You must accumulate 1,500 before you can redeem your points. We keep track of all the points you earn and will help you find just what you're looking for when you're ready to redeem.
Can I share my points with family members?
All cards tied to an Elkton Bank and Trust checking account automatically earn points together. In addition, if you have multiple checking accounts you can link them all together to earn rewards faster.
How much does it cost to participate?
There is no cost! Membership in the uChoose Rewards is absolutely free for Elkton Bank and Trust Company customers, so start using your card and earning points today!
If you suspect your debit card has been lost or stolen, don’t panic. Contact us quickly, and we’ll assist you with making sure your account is protected.
Debit Card Department:
If you need assistance after business hours, call:
Remember, the key to preventing fraud is safeguarding your debit card and account information! Keep your PIN # to yourself, and never write it on your debit card. Never give out your card or account number over the phone, unless you’re sure it is a trusted source.
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, 2025 | |
|---|---|
| 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 |
|
Bill Pay (Monthly) |
$6.00 Additional fee may apply for expedited payment |
|
Business Online |
Business Bill Pay $5.00 Cash Management $10.00 |
| Cashier's Check | $5.00 each |
| Check Cashing (non-customers) | 2% of each check presented or $10.00 min per check presented, whichever is greater. |
| Coin Counting (non-customers) | 5% of value, $3 min |
| Contactless Debit Card Replacement: Standard Card | $8.00 |
| Credit / Debit Card Cash Advance | $5.00 |
| Debit Card Replacement: Specialty Card | $13.00 |
|
Dormant account fee |
$5.00/month |
|
Domestic wire transfer FRB Incoming Wire |
Outgoing $30.00 Incoming $115.00 |
| International wire transfer | Outgoing $75.00 Incoming $20.00 |
| Levy/Garnishment Fee | $50.00 |
| Money Orders | $5.00 each |
|
Night Depository Fee Extra Key |
$25.00/annual + purchase of bag $10.00 each |
| Overdraft/ NSF Paid/ Return Charge | $30.00 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.
