Personal Banking Services

Encore Bank provides the financial tools that best serve your personal needs. With a wide array of accounts from checking to IRAs, we are here to provide personalized service with an extra measure of courtesy and confidentiality.

About Encore Bank Personal Banking Services

Personal Checking Accounts Personal Savings Accounts Money Market Accounts IRA Accounts ATM/Mastercard® Debit Card Safe Deposit Box Other Services Available

Personal Checking

Our tradition of service excellence begins with flexible account options. At Encore Bank you have a choice of accounts that can help you meet a variety of cash management needs. Simply choose the account that’s right for you.

Cash Management
Cash Management Checking is ideal for clients who maintain a high balance and are looking for a competitive rate of interest.

• Free basic checks
• Free online banking
• Free bill pay
• Variable interest rate
• Mastercard® debit card

Senior Advantage
Senior Advantage Checking is ideal for clients 50 and over who want to earn interest and maintain low to moderate balances.

• Free basic checks
• Free online banking
• Free bill pay
• Variable interest rate
• Mastercard® debit card
• No monthly maintenance fee

Interest Checking
Interest Checking is ideal for clients who maintain moderate balances and want to earn a competitive rate of interest.

• Free online banking
• Free bill pay
• Variable interest rate
• Mastercard® debit card

Basic Checking
Basic Checking is ideal for clients who maintain low balances.

• Free online banking
• Free bill pay
• Mastercard® debit card

Personal Savings

Our CDs offer flexible and competitive rates for both individuals and businesses, allowing clients the ability to time their investments to meet their unique needs. In addition, we offer a variety of savings products for individuals needing more availability to their funds.

Premium Yield Savings

Premium Yield Savings is ideal for clients who keep a high balance, need limited access to the account and are looking for the highest yield of interest.

Statement Savings

Statement Savings is ideal for clients who maintain a moderate balance and are interested in saving money with a competitive interest rate.

Certificates of Deposit (CD’s)

Certificates of Deposit are ideal for clients who want a competitive rate of interest and do not need immediate access to their funds.

Personal Money Market Accounts

Our tiered-rate money market accounts provide solutions for individuals with short-term investment goals and/or liquidity needs.

Personal IRAs

Traditional and Roth IRAs with a variety of term options (fixed, variable and money-market based) are offered to those looking to optimize retirement income.

Fixed Rate CD IRA
1 to 5 year terms with a fixed rate of interest based on current market conditions.

Variable Rate CD IRA
18 to 30 month terms with a variable rate of interest each quarter based on current market conditions.

IRA Savings
No monthly maintenance fees and competitive interest rates. This allows for multiple contributions.

Additional Services

Overdraft Protection
Available either as a line of credit with a competitive interest rate and no transfer fees, or linked to a savings account.

Mastercard® Debit Card
Available at no charge on applicable accounts with unlimited rebates of ATM surcharges worldwide.

Safe Deposit Boxes Available
Securely retain your important documents and valuables conveniently in our fire safe vaults.

eStatements
Via email, our paperless statements are a safe and convenient way to receive your monthly Encore Bank statements.

CDARS (Certificate of Deposit Account Registry Service)
• Monies are placed in a network of banks to provide maximum FDIC insurance
• Must have a checking account in order to place funds in CDARS
• Minimum $250,000 required
• Maximum $20 million of FDIC insurance required

Notice:

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