Personal Banking & Lending
Everyday accounts, savings, and loans, with a local banker who knows your name.
Checking
Banking that feels like it should. Straightforward accounts with no hidden fees or buried conditions, and local bankers who actually pick up the phone. Choose Echelon Personal Checking with no fees and no minimum, or Echelon Interest Checking to earn interest while keeping full flexibility.
- Free mobile deposit and real-time alerts
- Debit card with no foreign ATM surcharges
- Local bankers, reachable by phone
Savings & Money Market
Build something that lasts. An emergency fund, a down payment, retirement: most people have more than one savings goal. Start with Echelon Savings, or choose a Money Market account for tiered rates that grow with your balance while your funds stay accessible.
- Competitive tiered money market rates
- Flexible access, without the restrictions of a CD
- IRA savings for retirement, managed locally
CDs
Lock in a rate. Watch it grow. Guaranteed, fixed-rate returns on terms from 12 to 60 months, for money you won’t need right away. Early withdrawal penalties apply.
- $1,000 minimum opening deposit
- Interest compounded daily
- IRA eligible on all terms
Mortgage
A smarter path home. Buying a home is one of the biggest decisions you’ll make. Our mortgage bankers live and work in your community, so you get faster decisions, clear communication, and someone in your corner from application to closing.
- Local underwriting, with decisions made here
- Personal guidance from application through closing
- Competitive rates with transparent terms
Home Equity Loans & Lines of Credit
Your home, working for you. Put the equity you’ve built to work for a renovation, debt consolidation, a major expense, or a cushion for the unexpected. Draw what you need, when you need it, and pay interest only on what you use.
- Flexible draw period
- Competitive variable rates tied to the prime rate
- Interest-only payment option during the draw period
Personal Loans
Your goals, funded. From unexpected expenses and home improvements to a new vehicle or paying down higher-rate debt, our personal loans keep borrowing simple.
- Competitive fixed rates
- Flexible repayment terms
- No prepayment penalties
Why bank with Echelon Bank?
Banking that feels personal because it is.
Local Decisions
Underwriting happens here, not at a distant headquarters.
One Banker, Start to Finish
The same person guides you from first conversation to closing.
Fast, Clear Answers
No big-bank delays or runaround.
Rooted in Tampa Bay
We live and work in the communities we serve.
Let’s talk about your goals.
Bella, Leo, and Anna lead our banking centers across Pinellas and Hillsborough counties. Tell us a little about what you’re looking for, and the right banker will be in touch.
Prefer to talk in person? Stop by any of our offices in Feather Sound, Bayshore, or Tarpon Springs.
We look forward to working with you.
All loans are subject to credit approval. Rates, terms, and conditions are subject to change without notice. Echelon Bank NMLS #2841874. Equal Housing Lender.