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You have lots of choices where you and your family do your banking.

At Bank of Edmonson County our bankers will never try to sell you a product, service or account that we wouldn’t choose for ourselves or our own family. Whether you are looking for a checking or savings account or a personal loan, we are always looking to find the account that is the best fit for you because at Bank of Edmonson County you are not simply a number, you are one of our neighbors.

Personal Checking Accounts

Regular Checking

For those customers wanting to keep it simple, try our Regular checking account. With an average daily balance of $500.00 or more, there is no service charge. With an average daily balance of less than $500.00, you pay a service charge of $6 per statement cycle. A $50 initial deposit is required to open this account.

Priority Checking

If you receive a regular monthly direct deposit, this account may be for you! By maintaining at least one recurring monthly direct deposit, you can avoid the monthly account maintenance fee of $6. This account allows 30 checks per statement cycle. Once you have exceeded 30, this account will incur a $1 excess debit fee per check per statement cycle. A debit card is available upon approval. You are also allowed unlimited debit card and ACH transactions as well as access to our Online Banking & Bill Payment features. A $50 minimum deposit is required to open this account.

Club

You can enjoy all our bank services when you join our Club account. This includes free personalized checks, $10,000 accidental death insurance, discount on Safe Deposit Boxes, and Cashier’s checks at no issue charge. Your Club account also gives you access to our Online Banking & Bill Payment features. There is no minimum balance required, and you pay a membership fee of $8 per statement cycle.

Club 50 Gold

For our customers 50 or over, we offer our Club 50 Gold account. This account offers the same benefits as our Club account with a membership fee of $5.

Money Market Investment Accounts

A Money Market Account will earn a tiered rate of interest adjusted weekly. Interest will be compounded monthly and credited to your account every statement cycle. If the average daily balance falls below $1,000.00, your account is subject to a $6.00 account maintenance fee. An excess debit fee of $5.00 will be applied to any debit/withdrawal that exceeds 6 in a statement cycle. A minimum deposit of $2,500.00 is required to open this account.

Special Checking Accounts

Church, Civic and Service group checking accounts are not subject to service charges. Any full-time student (primary through college), is entitled to a no service charge regular checking account with access to Online Banking & Bill Payment features.

Automatic Transfer

You can authorize automatic regularly scheduled transfers of money from your checking account to help build savings, or to pay loans. It’s the easier way and it’s free.

Direct Deposit

We can automatically deposit your regular social security and retirement checks, military or corporate, directly into your account for your security and convenience. Ask us for the necessary authorization forms.

Club Account benefits and insurance products are: not a deposit; not FDIC insured; not insured by any federal government agency; not guaranteed by Bank of Edmonson County or any of its affiliates; and, may be subject to risk, including possible loss of value.

Personal Savings Accounts

Regular Savings Account

This account pays the current rate of interest which is compounded and paid quarterly. An excess withdrawal fee will be assessed on each transaction exceeding three per quarter. If the average daily balance falls below $100.00 during a statement cycle, your account is subject to a $1.00 minimum balance fee. A minimum deposit of $100.00 is required to open this account.

Moola Moola Savings Account

This account is for children through 13 years of age. There is a $25 minimum deposit required to open this account. It pays the current rate of interest which is compounded and paid quarterly. Children receive a stamp for each $5 deposit which can be accumulated and traded in increments of 10 stamps for Moola merchandise. (Please see separate Moola Account Info Sheet for description of merchandise). An excess debit fee of $1 will be charged for every transaction over 3 per calendar quarter.

Certificate of Deposit Account

Bank of Edmonson County can structure a Certificate of Deposit from 30 days to five years to fit your individual needs. We offer competitive fixed or variable rate certificates. Minimum deposits for these accounts are $500. There may be a penalty for early withdrawal. All Certificate of Deposit accounts are insured by FDIC for the maximum allowed by law.

Individual Retirement Accounts

An IRA is a special savings plan that lets you put aside money you earn today to be used later for your retirement. Depending on your income, your income tax liability on those funds may be deferred. Interest earnings are not taxed until withdrawal (penalty for early withdrawal). We offer traditional, roth and education IRAs. We offer IRA certificates with a fixed or variable rate. A minimum balance of $100 is required. Call us for details.

Christmas Club

A Bank of Edmonson County Christmas Club Account is an ideal way to save for Christmas shopping. In November, you’ll receive a check for the amount you deposited plus interest – Just in time for Christmas shopping. Interest will be credited to your account annually.

Personal Loan Products

Agricultural Loans

At Bank of Edmonson County, we understand the unique financial demands of farming, and we offer a variety of financing options for land, equipment, supplies, and livestock.

Auto Loans

We offer complete financing services on all types of automobiles, including both new and late model used cars.

Home Improvement Loans

See us for any type of home or property improvement loan.

Personal Loans

Check with us when you need a personal loan to pay taxes, medical bills, or see you through an emergency. In fact, a Bank of Edmonson County personal loan can be used to consolidate several small debts into a single monthly payment.

Construction Loans

Building a home requires the right team. Whether you’re in the market to construct your first home, or your dream home, Bank of Edmonson County can help. Our Construction Loan program offers products that cater to almost every situation, making your building project smooth and seamless, and your contractor will smile with our quick disbursement policy for approved expenses. In addition, Bank of Edmonson County will also consider financing a wide variety of other property types, including but not limited to multi-family dwellings, apartments, and office buildings.

With market-competitive rates and fees, and terms as long as 12-months with interest only collected during the construction period, you will find our Construction Loan program to be an excellent choice. Contact us today, or stop by either of our convenient locations to chat with one of our experienced loan experts for additional information about these specialized loans.

Lines of Credit

Bank of Edmonson County offers lines of credit to both businesses and individuals. These lines of credit provide the ultimate in flexibility at a competitive rate.

Mortgage Loans

Bank of Edmonson County understands the American Dream of home ownership. We have helped many of your neighbors finance the purchase or construction of their homes. We want to help you. Because the purchase of a home is the single most important investment most of us will ever make, a buyer needs to choose the source of financing as carefully as the construction of the house itself. We invite you to look closely at what we have to offer. We provide construction lending services and long-term mortgage loan processing.

Personal Bank Services

Debit Card/ATM 24-Hour Banking

Bank of Edmonson County Visa debit cards are available upon the approval of an application, and nothing beats the convenience that they provide. Whether you’re using it for purchases or to withdraw money from an ATM, you’ll find it is much easier than carrying cash or writing a check.

Online Banking & Account Information

Access to your accounts is now available online. Use the link at the top of this page to apply for access today.

24 Hour Telephone Banking

Call 1 (800) 530-8536 anytime, day or night, for access to your account information or to make transfers.

Safe Deposit Boxes

Bank of Edmonson County offers a wide variety of Safe Deposit boxes for your valuables.

24 Hour Depository

This convenient, after hours services is available to all of our customers. Just drop your transaction in an envelope and place it in the depository and we’ll mail you a receipt.

Bank By Mail

Special envelopes are provided free to our checking and savings customers for this convenient service.

Notary Public

This service is available at no charge to our customers.

Rates

This Rate Chart contains information about interest rates and annual percentage yields for some of the accounts we offer.


CDs

Rates as of December 3, 2022

Product Name
Min. Deposit
Rate
APY
30 Day CD
$500.00
0.60%
0.60%
91 Day CD
$500.00
0.60%
0.60%
91 Day CD Monthly
$500.00
0.60%
0.60%
182 Day CD
$500.00
0.75%
0.75%
182 Day CD Monthly
$500.00
0.75%
0.75%
182 Day CD Quarterly
$500.00
0.75%
0.75%
12 Month CD
$500.00
1.00%
1.00%
12 Month CD Monthly
$500.00
1.00%
1.00%
12 Month CD Quarterly
$500.00
1.00%
1.00%
12 Month CD Semi-Annually
$500.00
1.00%
1.00%
18 Month CD Monthly
$500.00
1.50%
1.51%
18 Month CD Quarterly
$500.00
1.50%
1.51%
18 Month CD Semi-Annually
$500.00
1.50%
1.51%
24 Month CD
$500.00
2.00%
2.00%
24 Month CD Monthly
$500.00
2.00%
2.02%
24 Month CD Quarterly
$500.00
2.00%
2.02%
24 Month CD Semi-Annually
$500.00
2.00%
2.01%
36 Month CD
$500.00
3.00%
3.00%
36 Month CD Monthly
$500.00
3.00%
3.04%
36 Month CD Quarterly
$500.00
3.00%
3.03%
36 Month CD Semi-Annually
$500.00
3.00%
3.02%
48 Month CD
$500.00
3.20%
3.20%
48 Month CD Monthly
$500.00
3.20%
3.25%
48 Month CD Quarterly
$500.00
3.20%
3.24%
48 Month CD Semi-Annually
$500.00
3.20%
3.23%
60 Month CD
$500.00
3.35%
3.35%
60 Month CD Monthly
$500.00
3.35%
3.40%
60 Month CD Quarterly
$500.00
3.35%
3.39%
60 Month CD Semi-Annually
$500.00
3.35%
3.38%

 


IRAs

Fixed rate IRAs are available with same terms, rates, and APYs as above offered CDs.
Variable IRAs are tied to the 18 Month CD rate and may change on the first day of each month.

Product Name
Min. Deposit
Rate
APY
Variable Rate
$100.00
1.50%
1.51%
Fixed Rate
$5,000.00

Checking Accounts

Product Name
Min. Deposit
Rate
APY
M M A
$2,500.00
Average Daily Balances Required to Earn stated APY:
$1,000.00 - $2,499.99  
0.15%
0.15%
$2,500.00 - $9,999.99  
0.20%
0.20%
$10,000.00 - $24,999.99  
0.25%
0.25%
$25,000.00 and up  
0.30%
0.30%
Now Account
$1,000.00
Average Daily Balances Required to Earn stated APY:
$1,000.00 - $2,499.99
0.10%
0.10%
$2,500.00 - $9,999.99
0.15%
0.15%
$10,000.00 - $24,999.99
0.20%
0.20%
$25,000.00 and up
0.25%
0.25%
Regular Club Now
$750.00
Average Daily Balances Required to Earn stated APY:
$750.00 - $2,499.99
0.10%
0.10%
$2,500.00 - $9,999.99
0.15%
0.15%
$10,000.00 - $24,999.99
0.20%
0.20%
$25,000.00 and up
0.25%
0.25%
Club 50 Gold Now
$750.00
Average Daily Balances Required to Earn stated APY:
$750.00 - $2,499.99
0.10%
0.10%
$2,500.00 - $9,999.99
0.15%
0.15%
$10,000.00 - $24,999.99
0.20%
0.20%
$25,000.00 and up
0.25%
0.25%
Business Now
$1,000.00
Average Daily Balances Required to Earn stated APY:
$1,000.00 - $2,499.99
0.10%
0.10%
$2,500.00 - $9,999.99
0.15%
0.15%
$10,000.00 - $24,999.99
0.20%
0.20%
$25,000.00 and up
0.25%
0.25%

Savings Accounts

Product Name
Min. Deposit
Rate
APY
Christmas Club
$5.00
1.00%
-
Regular Savings
$100.00
0.25%
0.25%
Moola Moola Statement Savings
$25.00
0.25%
0.25%

* Substantial penalties for Early Withdrawal.
Fees could reduce the earnings on the account.

For Minimum Deposit Requirements as well as Account information, please refer to Personal or Business Menus.
Variable rates may change after the account is opened.

Mobile Banking App

Download it now!

Apple App Store Icon Google Play Store icon
Sign In Screen Login Question

Getting Logged In!

Access your account quickly and easily 24/7 on any mobile device.

  1. Use your new or existing username and password
  2. Answer a series of security questions that only you will know
  3. and click Submit

It’s as simple as that! Your ready to use our app!

Mobile Banking Terms & Conditions

 


 

Move Money and Bill Pay My Accounts Screen

Getting to know our App!

Transfer money between your BOEC accounts.

Access to your Bill Pay to ensure you pay your bills on time!

Mobile Alerts allow you to set up numerous alerts for multiple accounts. Lets us worry when your account gets too low and we will send you a text!

User Friendly Menus
View all your accounts in one place
Move money in as simple as a few clicks

 


 

Remote Capture Camera Remote Deposit Capture

Convenience at Your Fingertips!

Mobile Remote Deposit Capture allows you to deposit checks at your convenience.

Deposit Checks 24/7 with our new Mobile Remote Deposit Capture

Simply endorse ”For Mobile Deposit Only”

Take a picture of the front and back of the check

Answer a couple questions

Let us take it from here!

You will receive email confirmation once the check is received and again when your check is approved

 


Settings Screen List of Cards Screen

Protecting You!

Manage Cards feature gives you piece of mind when you misplace your card. Simply disable your card until you find it and then reenable it!

Whether you lose your card or notice suspicious activity on your account, all you have to do is simply log into your app and disable your card

No more having to call 1800 #’s during afterhours!