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Financial Resources

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Englewood Bank & Trust is here for you. Whether you are growing a business, buying a home, or planning for your retirement, we offer a variety of products, services, and resources to help you.

As a community bank, we provide a world of resources with a local touch. If you want to calculate a loan payment, get our routing number to set up a direct deposit for your new job, or just get an answer to a frequently asked question, we’ve got you covered.

Calculators

Explore, solve, and revisit your financial needs and opportunities. Choose a topic below to find the right calculator.

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My Money

My_Money_Program_LogoCreated by the Florida Department of Financial Services, the My Money Program is a comprehensive and inclusive financial literacy program and resource clearinghouse for individuals with developmental disabilities, their family members, and caregivers.

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Kids’ Corner

Kids are better prepared for the future when they learn about money sooner rather than later. Our kid-friendly tools make learning about finances fun!

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Teens’ Lounge

Talking to teenagers can be hard, especially when it comes to an important topic like managing money. Help your teenagers achieve their financial goals through engaging exercises and informational resources.

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Routing Number

Want to set up direct deposit? Starting to make online payments? Get the information you need.

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FAQs

Want to know how to do something? Want to learn more about our products and services? Get answers to our frequently asked questions.

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Online Banking Tutorials

Banking online is easy. Start learning how to do it by watching helpful videos.

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Security Resources 

Learn more about the steps you can take to make your computer and personal information more secure. 

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Blog

Why should I use my debit card?

One reason is our new “Use It. Love It. Win It.” Sweepstakes.* You can earn $500 just by using your Englewood Bank & Trust Visa® Debit Card for everyday purchases. Sound good? Check out the official rules and details.

The sweepstakes is not the only reason to use your debit card. You may already be using it for dining and entertainment, groceries, gas, shopping online, and monthly bills like utilities, cell phone plans, gym membership, auto insurance, and much more.

What are some of the other advantages of using a debit card?

  • Convenience. Regular debit card users appreciate how fast and easy transactions are made.
  • Reduced dependency on cash and checks. Writing checks is time consuming and antiquated. Many vendors no longer accept personal checks, and even if they do, you have to be careful and monitor your account balance to avoid overdraft fees. It only takes a moment to complete a purchase with a debit card.
  • No debt. With a credit card, it's easy to purchase anything you want, even if you don't have the funds, which can lead to enormous credit card debt. WalletHub.com reports that Americans began 2020 owing more than $1 trillion in credit card debt.
A debit card draws on money you already have. Retailers know people usually spend more when using plastic than if they were paying cash. By using debit cards, impulsive spenders can avoid the temptation of credit and the interest, late fees, and other charges paid by those who do not pay off their credit card balances each month. With debit cards, you don't have to remember to pay the credit card bill every month.

  • No approval necessary. If you have poor credit, it can be difficult to be approved for a credit card and the interest rate will likely be sky high. Debit cards require no application or minimum credit score, and most just require you to have a checking account.
  • Fraud protection. Insert your card rather than swiping it. The introduction of chip card technology for debit and credit cards has stopped a lot of point-of-sale fraud.
Downloading the bank’s MobiMoney app allows you to manage your Visa® Debit Card from the palm of your hand. You can receive instant card usage alerts, turn your card on or off, limit the use of your card based on location or merchant, and place spending limits. Learn more and download the app.

Why choose an Englewood Bank & Trust Visa® Debit Card? Visa’s industry leadership is your assurance of capability and quality at the highest level. Here’s what sets Visa apart:

  • The Visa Network – widely accepted around the world, with over 46 million merchant locations globally.
  • A commitment to uncovering debit potential and increasing usage.
  • Sophisticated risk and fraud detection techniques to safeguard transactions.
All this, PLUS the chance to win $500! That’s a real win-win for everybody.

*No Purchase Necessary | See Official Rules at http://www.uselovewin.com.

Click here to see some recent winners.

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Investment Market Update: Positive Takeaways From 2020

2020 was an unusual and volatile one with the S&P 500 Index’s 34% decline in 30 days in March followed by a retracement and rise of over 16% by year-end. This proved once again that a longer-term outlook is required in successful equity investing.

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Stop Ransomware Before It Stops You!


Stop Ransomware Before It Stops You!

Ransomware is a type of malicious software that encrypts files, preventing access until a demanded sum of money is paid in exchange to unlock files. Individuals and businesses have become targets in this growing online fraud.
While monetary losses to individuals and businesses can be excessive, businesses have more to lose, since cybercriminals can gain access to clients’ personal information and extort money from them as well as the business. Fraudsters can buy a kit on the dark net for about $175 and charge a business a ransom of approximately $84,000 per attack.
Certified Information Security Manager Margo Leiter offers nine tips for consumers and businesses to help prevent ransomware attacks.

Tips for consumers:
• Don’t click. Visiting unsafe, suspicious or fake websites can lead to the intrusion of malware. Be cautious when opening any email with attachments or links you are not expecting, even when you recognize the sender. When in doubt, throw it out!
• Always back up your files. By maintaining offline copies of your personal information, ransomware scams will have a limited impact on you. If targeted, you will be less inclined to heed threats posed by cybercriminals.
• Keep your computers and mobile devices up to date. Having the latest security software, web browser and operating system are the best defenses against viruses, malware, and other online threats. Turn on automatic updates so you’ll receive the newest fixes as they become available.
• Enable popup blockers. To prevent popups, turn on popup blockers to avert unwanted ads, popups or browser malware from constantly appearing on your computer screen.
Tips for businesses:
• Educate your employees. Employees can serve as a first line of defense to combat online threats if properly trained to recognize malicious emails, websites and online ads. A strong security program paired with employee education about the warning signs, safe practices, and responses aid tremendously in preventing these threats.
• Manage the use of privileged accounts. In an effort to limit your network’s exposure to malware, restrict users’ ability to install and run software applications on network devices.
• Have a plan. Determine how you will keep the business running in the event of an attack. Teach employees what to do, such as unplug from the internet immediately. Law enforcement doesn’t recommend paying the ransom as this encourages criminals to continue. Routinely back up and store the data on a separate device or offline in order to access it in the event of a ransomware attack.
• Protect your systems. Keep antivirus, anti-malware, and firewalls up to date and patched. Conduct regular scans. Hire a security professional.
• Report ransomware. Contact your local FBI field office immediately to report a ransomware event and request assistance. Visit https://www.fbi.gov/contact-us/field to locate the office nearest you.

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Get valuable insight and helpful advice from financial experts.

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