Englewood Bank & Trust is committed to providing exceptional service. Follow the links below to quickly find answers to the questions our customers ask most frequently. If you don’t find what you need here, please contact us in the way that is most convenient for you.
You can sign up online at https://my.englewoodbank.com/. From the login area, select "Register" and follow the instructions.
Yes. Log into Online Banking and go to Settings > Accounts and select Link an External Account. Add the external bank information and click Save. Please read the onscreen information for additional instructions.
Log into Online Banking and go to Settings > Accounts and select Link an External Account. Add the external bank information and click Save. Trial deposits and a withdrawal will be sent to your external account. To verify the trial deposits of a new external account, go to the Dashboard page in Online Banking and click Confirm on the notification. Once confirmed, you can start transferring funds between your Englewood Bank & Trust account and your external account.
There is no fee for transferring funds into the bank. There is a $3 fee for transferring money to an external account outside of Englewood Bank & Trust.
You are asked security questions when you log in using an unfamiliar device or when you incorrectly enter your username.
Your temporary password is good for 24 hours and must be changed in that time.
Usernames are not; however, passwords are case sensitive.
Simply enter your username and click Log In. Next click on the Forgot Password link located next to the password area and follow the on-screen instructions. Or, you may call Customer Service at 941-475-6771. Your password is case sensitive, must be at least 8 characters long, contain at least 1 numeric, 1 uppercase letter and 1 lower-case letter.
Mobile Banking gives you access to your accounts from your mobile web browser or a downloadable Mobile Banking application, depending on your preference and your phone capabilities. Both options allow you to: view account balances, search recent account activity, transfer funds between your Englewood Bank & Trust accounts and/or accounts you have at other financial institutions, view check images, and find the nearest ATM or branch locations. Customers can also deposit checks via mobile banking. Some exceptions may apply.
Yes, Mobile Banking is available to the company’s Master Users as well as all Sub-Users.
There is no charge associated with the service. However, there may be charges associated with text messaging and data usage on your phone. Check with your wireless phone carrier for more information.
Yes, the mobile banking service utilizes best practices from online banking, such as HTTPS, 128-bit SSL encryption, Username and Password access and application time-out when your phone is not in use. Only the phones that you personally enroll in the service can access your accounts. In addition, no personal information or account data is ever stored on your phone once a Mobile Web banking or Mobile Application session has ended. And in the event your phone is lost or stolen, the service can be immediately disabled by either going online to the Mobile Banking enrollment website or by calling Customer Service at 941-475-6771 during regular business hours.
Online Statements are the electronic version of the paper statements you receive periodically for your checking and savings accounts. Online statements includes the same information that is included in your paper statement, including canceled check images, legal notices and the back page of your statement.
Once logged in to your online banking, select the eDocuments Widget, click on the Subscribe button on the right. You will be prompted to accept the disclosure and also make sure you are able to open PDF documents.
With Mobile Check Deposit, eligible and enrolled customers can deposit checks through our Mobile Banking app.
Access the iPhone or Android app and click on 'Deposit Check.’ Please note you must be eligible to use this service.
Some reasons why your check may not be accepted through Mobile Check Deposit are:
The bank does not currently charge a fee for Mobile Check Deposit. Standard data fees from your mobile provider apply. Per item fees may apply for commercial mobile check deposit customers.
It is recommended that you keep the original checks for 7 days. Store the checks in a secure location, and do not attempt to redeposit them. The Bank may request the original check. After 7 days, we recommend that you safely destroy the deposited checks.
To pay your bills online:
Almost any person or company you would normally mail a check to as long as it is payable in the United States. We recommend that payments to government agencies, such as your property taxes, etc. not be paid via Bill Pay.
There is a $1 fee to send money from person to person. There is no fee for payments received through person-to-person transfers.
Neither you nor the recipient have to share any personal information.
Yes, there is a limit of $1,000 per day. Person-to-person transfers will be considered part of your overall daily limit of $2,500 in point-of-sale transactions using your card.
Yes. You can receive notifications through email, text, or push notifications on your mobile device.
Yes. There are several notifications you can choose to enable. There is no limit to how many you can enable at once.
$600 and/or four withdrawals per day.
Personal debit cards:
$2,500 per day
ATM Withdrawal or Cash Advance: $600 per day
Business debit cards:
$5,000 per day
ATM Withdrawal or Cash Advance: $600 per day
Main Englewood Office
1111 S. McCall Rd.
Englewood, FL 34223
24-Hour Drive-Thru ATM
Gulf Cove Office
12651 S. McCall Rd.
Port Charlotte, FL 33981
24-Hour Drive-Thru ATM
Boca Grande Office
301 Park Ave.
Boca Grande, FL 33921
Cape Haze Office
8725 Placida Rd. #10
Placida, FL 33946
24-Hour Presto! ATM at Publix
Additional Surcharge-Free ATMs
Remember you may use your Englewood Bank & Trust Visa® Check Card at all Publix Presto ATMs without charge. We also have reciprocal agreements with Wauchula State Bank, Crews Bank & Trust, and Charlotte State Bank & Trust so that you may use their ATMs without incurring a foreign ATM withdrawal fee.
Yes, you may use your card outside the United States. We do, however, recommend that you contact us at 941-475-6771 whenever you are traveling and using your debit card, whether within or outside of the country, so we can update our fraud department with that information.
Click here to find the Publix Presto ATMs closest to you or download our Mobile Banking iPhone or Android app. Click on Locations and search for the closest surcharge-free ATM by clicking on the icon.
The gas station does not know how much gas you intend to purchase when you first use your card to pay at the pump. They estimate an amount, and then make an authorization request to ensure that you have that much in your account before they let you pump gas. The actual amount on your receipt is what will be debited from your account.
If you have multiple cards on your account, each user will have to separately register their card through MobiMoney. Each user will be able to establish their individual alert preferences and other controls. When receiving notices, the last four digits of the card will appear in the alert so you know to which card it belongs.
Automated Telephone Banking is a 24-hour service that you can use to check account balances, transfer funds among your Englewood Bank & Trust accounts, make loan payments or to see if a specific check has cleared. The telephone numbers to access this service are:
Click here for step-by-step instructions.
Click here for a complete list of our locations and hours.
4 p.m. - Outgoing domestic and international wires
4 p.m. - Incoming wires
Mobile Check Deposit:
12 noon. ACH Origination
11 a.m. (early) Business Express Deposit
4 p.m. (end of day) Business Express Deposit
We are closed on the following U.S. federal holidays:
New Year’s Day, January 1*
Martin Luther King, Jr., Day, third Monday of January
President’s Day, third Monday of February
Memorial Day, last Monday of May
Independence Day, July 4*
Labor Day, first Monday of September
Columbus Day, second Monday of October
Veteran’s Day, November 11*
Thanksgiving Day, fourth Thursday of November
Christmas Day, December 25*
*When the holiday falls on a Sunday, it is usually observed on the following Monday.
Yes. We offer loans for business owners with fast and local decisions.
We provide commercial financing for real estate, lines of credit, expansion expenses, and more!
While the actual timing varies according to the type of loan for which you are applying, our experienced lenders strive to make the process as quick and easy as possible.
Yes. Click here for more information.
Yes. Talk with one of our lenders to learn more about your payment options
Englewood Bank & Trust is a community bank that believes in personalized service. Instead of applying online, we want you to talk to a real person who can listen to your individual needs.
Our local lenders are committed to providing you with the expert advice and personal service you deserve. However, for your convenience, a mortgage loan application is available online to help get you started.
Your credit history carries a lot of weight when underwriting a loan. We analyze your entire credit history as part of our credit decision. We offer options for those with less-than-perfect credit.
No. We can complete a pre-qualification to determine the loan amount and product that best suits your needs.
No. We do not require either. We are glad to work with applicants that are new to Englewood Bank & Trust.
If your property taxes are escrowed on your loan, you may still receive a statement from the county tax collector, but Englewood Bank & Trust will automatically pay this for you each year from your escrow account. Please contact us if you have questions or are not sure if your taxes are escrowed.
If your property taxes or your homeowner’s insurance are escrowed on your loan, it is possible that one of those payments increased and your monthly loan payment was adjusted to cover the additional cost. If you have an adjustable-rate loan, it is also possible that your interest rate changed, causing an increase in your payment amount. Feel free to contact us for additional information.
If you finance more than 80 percent of the appraised value of your home, mortgage insurance may be required and added to your monthly payment amount.
Englewood Bank & Trust does not require a home inspection, but you may choose to have an inspection on the property you want to purchase.
Yes. If we order an appraisal to determine a property’s value, we will promptly give you a copy of the appraisal even if your loan does not close.
Yes. We will work with you to determine what best meets your individual borrowing needs.
Yes. We lend for new and used vehicles, as well as for boats and motorhomes.
Yes, based on the equity that you have in your home. Our personal bankers can assist you with this type of loan.
Bank trust departments and trust companies often act as both custodians and investment managers of client assets. Banking institutions that offer these services are subject to rigorous and frequent examination, as well as extensive regulation, by federal regulators such as the Office of the Comptroller of the Currency (OCC), the Federal Reserve Board, the Federal Deposit Insurance Corporation (FDIC), or by state banking regulators.
Assets—including certificates of deposit, but not cash—held in managed accounts for which the bank trust department also serves as custodian are neither assets nor liabilities of the bank.
By law, assets held in these accounts must be segregated from all other bank assets. Likewise, the books and records of these accounts must also be kept separate from the books and records of other bank activities, such as routine deposit and withdrawal transactions. The ownership of these assets remains vested in the individuals or entities for whose benefit the bank is acting as an investment manager and custodian.
In addition, many institutions use third-party entities, such as Federal Reserve banks or the Depository Trust & Clearing Corporation, to hold these assets. In all of these instances, the assets are not subject to the claims of a bank’s creditors.
All custodial assets held in deposit accounts (cash) are entitled to FDIC insurance. The FDIC will fully insure cash held in non-interest-bearing transaction accounts and will insure cash held in other types of deposit accounts up to $250,000.
Bank trust departments are extensively regulated not only to protect the interests of bank customers, but also to ensure the safety and soundness of the institution for the public good. With respect to custodial and investment management services, state and federal regulations address various aspects of these activities, including the fiduciary obligations of the bank, potential conflicts of interest, and the bank’s management of transactional, strategic, compliance, and reputational risks.
A separate order ticket for each securities transaction, whether executed or canceled, must also be maintained. The order ticket includes details such as the time the trade was placed or received by the bank and the type of order used, such as market order, limit order, or an order subject to special instructions.
IPAs must audit and report on the bank’s internal controls over financial reporting directly to the bank’s board of directors. Federal bank regulators prohibit banks from limiting an IPA’s legal liability for their audits and require that the IPA’s audit work papers, policies, and procedures be made available to the bank’s examiners upon request.
Federal and state banking regulators routinely examine trust departments for compliance with laws and regulations, as well as the bank’s management of various risks. These thorough onsite examinations occur at least every 18 months. Some institutions have regulators on the bank’s premises throughout the year to examine fiduciary activities continuously.
During an examination, examiners do not simply rely on documentation provided by the institution to determine compliance with banking laws. Examiners sample and test various operations to ensure that important transactions are properly completed and that the record-keeping function is accurate. In addition, examiners review and test the bank’s internal controls on custodial and investment management activities, conflicts of interest, recordkeeping of securities transactions, and management information systems. The testing of internal controls allows the examiner to determine whether the bank is able to identify transactional mistakes or fraudulent activity.
All FDIC-insured institutions must disclose extensive financial information in quarterly reports known as Call Reports. These publicly available reports provide timely and accurate data regarding a bank's financial condition and the results of its operations. Bank regulators use the information in the Call Reports to monitor the institutions when not engaged in an on-site examination. The information provided in these reports is extensive and covers everything from the income and expenses of the bank as a whole to the number of fiduciary accounts and the amount held in those accounts.
We provide a variety of safe-deposit box sizes for the protection of your valuable papers, heirlooms, or jewelry. Currently, we offer the following sizes of safe-deposit boxes. Please check with the office convenient to you for availabilities:
3" x 5"
5" x 5"
3" x 10"
5" x 10"
10" x 10"
11" x 16"
All boxes are 21 inches deep. Box rentals require a deposit account with an automatic debit of the annual fee.
Safe-deposit box contents are not FDIC insured.
For our customers that need to pay a bill or send funds for amounts over $500, cashier's checks are available. There is a $4 service charge per cashier's check.
Do you have documents that need your signature to be notarized? Bring them to us, unsigned, and we will gladly notarize your signature. This service is free for our customers.
Please bring a photo ID with you. State laws require us to verify your identification, even if we know you.
Regulations do not allow us to notarize the following documents: wills, trusts, durable power of attorney, warranty deeds, quit claim deeds, or any certified copies such as birth certificates.
Make deposits after hours. Drop deposits into our secure night-deposit drop box. Deposits will be processed the following business morning.
Contents of the night-deposit drop box will only be accessed once in the morning. Drops made after 8 a.m. will be processed on the next business day.
Call our 24-Hour Automated Telephone Banking service when you want to find out if a specific check has cleared, you'd like to know your current balance, or you want to transfer money among your Englewood Bank & Trust accounts.
It's simple: Just call and follow the clear, easy-to-understand prompts to obtain the information you want.
To access the appropriate selection, simply press the corresponding number(s) on your touch-tone telephone when prompted.