Personal Solutions

ECB Checking Account¹
Customers Receive FREE Check Image, FREE 24 hr. Phone Banking, Overdraft Protection available upon credit approval, FREE Money Orders, FREE ATM/Debit Card².

Community First Checking¹
A minimum opening balance of $100 will be required. Maintain either a daily balance of $200 in your checking, an average monthly balance of $600, receive direct deposit, or are of age 60 years or older in order to avoid a $4.00 monthly maintenance fee. 25 checks may clear the account per monthly statement at no charge. Each check over 25 will incur a $.25 transaction fee per check. Non Interest Bearing Account. The Community First account is on a monthly statement cycle.

Community Gold Now Account¹
A minimum opening balance of $100 will be required. Maintain a daily balance of $500 in order to avoid a monthly maintenance fee of $8.00. $500 minimum balance earns current market interest rate monthly. Your NOW account will offer unlimited check writing. Daily balance computation method of interest will be used. Your Community Gold NOW Account is on a monthly statement cycle. FREE safety paper checks. ATM Fees Reimbursed up to $15 per Statement Cycle.

Customer Choice NOW Account¹
UNLIMITED CHECK WRITING. FREE safety paper checks. Maintain a minimum balance of $2500 in your CHOICE ACCOUNT to avoid service charges. If your balance falls below the $2500 minimum, a $15.00 monthly maintenance fee will be charged. Interest will be paid on collected balances of $2500 and up. Interest accrues daily and compounds monthly. ATM Fees Reimbursed up to $15 per Statement Cycle. Preferred rates paid on tiered account balances. (See current rate sheet for balance tiers and rates.)

Statement Savings Account¹
Maintain a minimum balance of $100 in your savings account to avoid service charges. Balances below $100 will be charged a monthly $2.00 maintenance fee. $.50 charge per withdrawal in excess of five per month. You are limited to six transfers per month from this account. See current rate sheet. CUSTOMERS UNDER AGE 18 AND OVER AGE 60 ARE NOT SUBJECT TO THE MINIMUM BALANCE REQUIREMENTS OF THE STATEMENT SAVINGS ACCOUNT. MONTHLY SERVICE CHARGE WAIVED WITH DIRECT DEPOSIT.

Telephone Banking
Account balances, transfers, loan information and demand fax statements are available 24 hours a day with our free telephone banking service (1-866-959-7979, access code 31).

Service Fee Schedule*

*Minimum balances, charges and rates subject to change without notice.

¹All new accounts are verified through Chex Systems and the Credit Bureau.
²Elkhart Community Bank does not charge for an ATM Card or for transactions conducted at other ATM machines. Some ATMs may assess a surcharge.

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