**********************IMPORTANT INFORMATION**************************
East Coast Community Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through June 30, 2010, all non-interest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.
***************************************************************************

Maybe you are interested in a checking account that lets you choose the features and benefits you want. The “ECCB Way” brings you the personalized service you deserve with the technology you require. We provide you with banking products that will meet your needs and convenient ways to transact business after hours. If you would like more information click here for a list of branch locations and phone numbers.

Priceless Checking
This account has no monthly service charge or minimum balance requirements. You will also enjoy unlimited check writing.

$100 balance required to open account
No minimum balance to maintain
No monthly service charge
Unlimited check writing
Online banking and bill pay are available at no cost
Non interest bearing

The Personal Plus Account
This account has it all! Earn interest, write checks and receive checks in your monthly statement.

$100 balance required to open account
No monthly service charge with $1,000 minimum daily balance
Monthly service charge if account falls below minimum daily balance is $9
Unlimited check writing
Online banking and bill pay are available at no cost
Interest bearing account with $1,000 minimum daily balance

The Relationship Now Account
This account has no monthly service charge with a $100 minimum daily balance. You will also enjoy unlimited check writing.

$100 balance required to open account
No monthly service charge with $100 minimum daily balance
Unlimited check writing
Online banking and bill pay are available at no cost
Interest earned on balances of $1,000 or more
Visa® checkcard and one additional banking product required for this special account

The Senior Account
It pays to be a “Senior”. This checking account has no monthly service charge for individuals age 50 and over.

$100 balance required to open account
No minimum balance to maintain
No monthly service charge
Unlimited check writing
Online banking and bill pay are available at no cost
Interest bearing account with $1,000 daily minimum balance
Free wallet or duplicate "senior" personalized checks
25% rate reduction on safe deposit box
Free travelers checks
Free cashiers checks

The Prime Account
This interest earning account is tied to the Wall Street Journal Prime Rate - when the Prime Rate goes up, so will your interest rate.

$5,000 balance required to open account
No monthly service charge if $1,000 minimum daily balance is maintained
Monthly service charge if account falls below minimum daily balance is $9
Unlimited check writing
Online banking and bill pay are available at no cost
Interest bearing account with $5,000 minimum daily balance

The Personal Rewards Money Market
This money market investment account has an attractive rate with no tier requirement and is available to individuals age 18 and over with at least one other banking product with us.

$2,500 balance required to open account
No monthly service charge if your minimum daily balance is $2,500
Monthly service charge if account falls below minimum daily balance is $10
Six preauthorized, automatic or telephone transfers per statement cycle from your account
Excess withdrawal fee $9 per check/debit for more than six preauthorized withdrawals/debits
No charge for in-lobby transfer, mail transfers, or ATM transactions
Online banking is available at no cost
Interest bearing account

The Personal Savings Account
A quarterly statement savings account available to all individuals. There will be no service charge or dormant fee charged to children under the age of 18.

$100 balance required to open account
No monthly service charge with $100 minimum daily balance
Interest bearing account with $100 minimum daily balance
$5 quarterly service charge if account falls below the minimum balance
Six transfers per quarterly statement cycle by preauthorized, automatic or telephone transfers from your account
Excess withdrawal fee $2 per withdrawal/debit if you exceed six preauthorized withdrawals
No charge for in-lobby transfers, mail transfers, or ATM transactions

The Christmas Club Account
A savings account available to all individuals. Deposits are accepted from November 15th through October 31st. Interest is credited annually on October 31st. At the bank’s earliest opportunity following that date, a withdrawal is processed and funds are sent to you.

$20 balance required to open account
No monthly service charge
Interest bearing account based on daily balance in account
$5 charge if account is closed prior to October 31st

Certificate of Deposit
Save your money in a safe place and earn a solid return. East Coast Community Bank offers a variety of CD’s with various features and benefits designed to fit your savings needs.

$1,000 balance required to open account
Fixed Rate Compounding CD: Interest is compounded monthly and used for long-term growth
Fixed Rate Simple Interest CD: Interest is not reinvested in the CD. Interest payments can be transferred to other accounts in East Coast Community Bank or an interest check can be mailed directly to you
Fixed Rate Single Maturity CD: Does not automatically renew at maturity and is used for short-term investing
Fixed Rate Jumbo CD
Account benefits and features:
Guaranteed return on investment
Available with a variety of terms and rates
Certificates of deposits have no set-up or management fees
Can be used as collateral for loans

Check Cards

Personal VISA® Check Card
Your East Coast Community Bank VISA® Check Card looks like a credit card but works like a check. It is a quick and convenient way to access your checking account without writing a check. Use it to pay for purchases everywhere VISA® cards are accepted. The amount of your purchase is automatically deducted from your checking account and each purchase will be detailed on your monthly checking account statement.

Our check card also works as your ATM card. It is widely accepted at ATM’s displaying the VISA® symbol and many networks throughout the United States.

How To Get Your Check Card
If you currently have a personal checking account with us, you may apply for your VISA® Check Card today by visiting the branch location nearest you.*

* VISA® check cards are subject to approval.