Never be in the dark about your bank account again
Access and monitor your account online, on your time.
Benefits You’ll Love
- Access a variety of free digital services
- Schedule one-time or recurring loan and bill payments
- Account transfers from home, the office, or anywhere
- View accounts, eStatements, and loan information
With our online banking services, you’ll have the freedom to review your accounts 24 hours a day, 7 days a week. Check on your deposit accounts or consumer loans, make transfers between your accounts, make payments on your Elkton Bank & Trust consumer loans, all with the convenience and flexibility you deserve.
When it comes to your personal information, we take security seriously. Our online banking platform is built with several safeguards to ensure your information is protected.
As an added security feature, we will lock accounts for 30 minutes after 3 incorrect password attempts. If your account is locked 3 times, the lock will become permanent. For assistance with a locked account, visit any branch or contact us for assistance.
Frequently Asked Questions
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Is there any special software required?
No. Our online banking platform is available on all internet browsers across all your devices as well as with the OneTouch Banking app.
Is online banking secure?
Yes. Elkton Bank and Trust Company’s Online Banking is built with several additional safeguards to ensure your account information remains secure. If your password is entered incorrectly more than 3 times, your banking profile will be locked for 30 minutes. If this happens more than three times, the lockout will become permanent and can only be cleared by an Elkton Bank and Trust Company employee. Your session will automatically be terminated after 15 minutes of inactivity.
What if my ACCESS ID and/or PASSWORD don't seem to work?
There are a couple of solutions to this problem. The most common issue is the placement of your caps lock key. Your access ID and password are case sensitive. The second most common issue is a complete lockout of your account. As a security feature, we lockout all accounts if an incorrect password is entered on the third try. The lockout session will last for 30 minutes. If you initiate the lockout three times, it becomes permanent. To reset a lockout, visit any Elkton Bank and Trust Company location or give us a call during regular business hours.
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Toss out your stamps and go digital with Elkton Bank & Trust Company’s Bill Pay. Instead of paying each bill by hand, allow us to handle your monthly bills for you. Simply enroll through online banking or visit a branch to fill out an enrollment form.
Setting up payments is quick and easy. Just make sure your payee is already recognized (if not, registration takes 48-72 hours approval), and schedule for your payment for the date it is due. Payments must be scheduled before 6:00pm prior to the day payment is needed.
Please keep in mind: while you can schedule Bill Pay 24/7 through Online Banking, payments can only be initiated on business days. To provide sufficient processing time, choose a processing date at least 10 days before your bill payment is due.
Frequently Asked Questions
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How do I get started using Bill Pay?
Enroll through our online banking platform or come into any of our locations to fill out an enrollment form.
How soon can I start making payments using Bill Pay?
You can begin scheduling payments after your enrollment is processed by the Bank (usually 24 hours). Please refer to our fee schedule (located under “Fees and Charges) for pricing associated with this service. You will find most nationally recognized payees already available for your use. Local payees may need to be registered prior to the first payment to them. A new payee usually takes 48 – 72 hours for approval. Once established, however, those particular payees will be available for immediate use on subsequent visits.
How are payments delivered and how can I ensure that my payee receives my payment by the due date?
Payments must be scheduled no later than 6:00 pm prior to the day it is to be paid; however, payments can also be scheduled for future dates or on the same day each month. Although you can enter payment information 24 hours a day, 7 days a week, payments can only be initiated on business days. Because of the time it takes to remit your payment to the payee, they will not receive the payment on the processing date (the date you instruct us to deduct the funds from the account). To provide sufficient time for payments to be received by your payee, the processing date should be a minimum of ten (10) business days before the bill’s actual due date.
Why does it take ten business days and sometimes more for payments?
We must send a check to the payee via US Mail. Once the payee receives the check, it may take a day or so for the payee to process and post the check to your account. Holidays must also be taken into consideration.
What should I do if a payee has not posted my payment?
First, be sure to allow a minimum of ten (10) business days for a payee to receive your payment. Contact your payee if the payment does not post within ten (10) business days of the date you requested the payment to be processed. As always, a copy of cancelled checks is maintained on file in case of any discrepancies. For copies of these please call Elkton Bank and Trust Company at (270) 265-9841 and ask for our Bill Pay department.
If I currently have an automatic debit for a bill coming out of my checking account, should I cancel this debit and use Bill Pay?
It is recommended that you NOT cancel any auto debit. Payees who have their own debit program will often not allow 3rd party processors to remit payments to them. Our main concern is that your bill be paid in a timely manner and safely.
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E-statements offer valuable benefits for users of our online service! They promote environmental responsibility by reducing paper usage. Additionally, e-statements enhance convenience, allowing customers to access their financial information anytime, anywhere, through our secure online platform. The digital format simplifies organization and archiving, making record-keeping more efficient.
With robust security measures in place, e-statements provide a safe and accessible alternative to traditional paper statements. By embracing e-statements, Elkton Bank & Trust is not only supporting eco-friendly practices but also ensuring a streamlined and secure banking experience for our valued customers.
How do I sign up for eStatements?
To sign up, first login to your online banking account. Then click, Profile. Scroll down and click, Edit, under the Electronic statements section. Verify that the correct email address is on file. Then select eStatements next to the appropriate accounts. Next click on Electronic Statements Terms and Conditions, then once you have reviewed, check the box by "I have read and accept the electronic statements terms and conditions." Finally, click Save and Logout.
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.
