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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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

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.

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, 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.

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.

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.

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.

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

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

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

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.

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

This service is available at no charge to our customers.