Did you receive a new Englewood Bank & Trust Visa debit card in the mail? Please call 866-642-0450 from your primary phone number to activate your card today.

Regulation CC Funds Availability Change, Effective 7/1/20
Amounts made available for withdrawal on the 1st business day after checks deposited is increasing from $200 to $225 and $5,000 to $5,525 on large deposits.
For more information, please contact us.

 Click here for our latest COVID-19 updates.

Get Answers

Frequently Asked Questions

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. 

Online and Mobile Banking

How do I sign up for Online Banking?

You can sign up online at https://my.englewoodbank.com/. From the login area, select "Register" and follow the instructions. 

Is it possible to transfer funds from one bank to another?

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.

How do I set up an External Account?

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.

What are the fees for an external transfer?

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.

Why do I see security questions when I log into Online or Mobile Banking?

You are asked security questions when you log in using an unfamiliar device or when you incorrectly enter your username.

If I get a temporary password, how long do I have to change it?

Your temporary password is good for 24 hours and must be changed in that time.

Is my Username or Password case sensitive?

Usernames are not; however, passwords are case sensitive.

How do I reset my Password?

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.

What is Mobile Banking?

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.

Is Mobile Banking available for businesses?

Yes, Mobile Banking is available to the company’s Master Users as well as all Sub-Users.

How do I install the downloadable application?

If you are an iPhone or Android user, go to the App Store or Google play and search for Englewood Bank & Trust to download the Mobile Banking application. Or, for your convenience, you can click on the respective icon below to quickly locate the app.

apple app store badge google play badge

 

How much does this service cost?

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.

Is Mobile Banking secure?

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.

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ONLINE STATEMENTS

What are online statements?

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.

How do I enroll in Online Statements?

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.

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Mobile Check Deposit

What is Mobile Check Deposit?

With Mobile Check Deposit, eligible and enrolled customers can deposit checks through our Mobile Banking app.

How do I start using Mobile Deposit Capture?

Access the iPhone or Android app and click on 'Deposit Check.’ Please note you must be eligible to use this service.

Why am I unable to deposit my check?

Some reasons why your check may not be accepted through Mobile Check Deposit are:

  • The check has already been submitted
  • The type of check is not accepted
  • Check is of bad quality (torn, folded, etc)
  • Front image is not legible
  • Amount entered does not match the amount on the check
  • Routing and account numbers are unclear
  • Image is too dark or blurry
  • Lack of proper signature and/or endorsement

Is there a fee to use Mobile Check Deposit?

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.

What do I do with my checks after I make a deposit?

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.

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BILL PAY

How do I enroll for Bill Pay?

To pay your bills online:

  • Log in to Online Banking
  • Select ‘Bill Pay” widget
  • Review Fees and Terms of Use (there is no fee to use the Bill Pay service)
  • Check the box “I Agree” and click Continue
  • You will then be ready to set up payees and pay bills online

Who can I pay through Bill Pay?

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.

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Person-to-Person Payments

Is there a fee to send or receive money from person to person?

There is a $1 fee to send money from person to person. There is no fee for payments received through person-to-person transfers.

Do I have to share my bank account number or other personal information to send money?

Neither you nor the recipient have to share any personal information.

Is there a maximum limit to how much money I can send at once?

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.

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Account Notifications

Can I choose to receive account notifications from my phone and or desktop?

Yes. You can receive notifications through email, text, or push notifications on your mobile device.

Can I set up multiple notifications?

Yes. There are several notifications you can choose to enable. There is no limit to how many you can enable at once.

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Debit Card

What is the daily withdrawal limit at the ATM?

$600 and/or four withdrawals per day.

How do I report a lost or stolen Debit Card?

Contact us immediately if you believe your card and/or PIN has been lost or stolen, or if you believe that an unauthorized transaction has occurred.

During banking hours: 800-528-2273 or

941-475-6771

Internationally: 1-812-647-9794

After business hours, please call 866-664-9364

 

What are the transaction limits for a Debit Card?

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

 

What are the locations of your ATMs?

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
24-Hour ATM

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.

Can I use my Debit Card outside the United States?

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.

What happens if an unauthorized debit or charge appears on my account?

If an unexpected transaction appears on your account, contact Englewood Bank & Trust immediately at 941-475-6771 or stop by any Englewood Bank & Trust office. After business hours, please contact the 24-hour hotline at 866-664-9364.

Where can I find surcharge-free ATMs in my area?

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.

Why is the gas station charging me a larger dollar amount than I am pumping?

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.

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MobiMoney

How do I enroll for Debit Card Alerts?

Debit Card Alerts are set up through MobiMoney. Download the app from either the App Store or Google Play. Then follow the instructions presented in the User’s Guide. Or, if you need further assistance, we’re happy to help. Call a Customer Service Representative at 941-475-6771.

What if I have multiple cards? How can I get set up?

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.

Where can I find the MobiMoney User’s Guide?

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Automated Telephone Banking

What is Automated Telephone Banking?

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:

Locally: 941-473-2265 (BANK)

Out-of-town: 844-660-3400

How do I enroll in Automated Telephone Banking?

Click here for step-by-step instructions. 

Our Hours

What are your lobby and drive-thru hours?

 Click here for a complete list of our locations and hours. 

What are your daily cutoff times?

ATM Deposits:
4 p.m.

Wires:
4 p.m. - Outgoing domestic and international wires
4 p.m. - Incoming wires

Mobile Check Deposit:
5 p.m. 

Cash Management:
12 noon. ACH Origination
11 a.m. (early) Business Express Deposit
4 p.m. (end of day) Business Express Deposit

What are your bank holidays?

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.

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Business Loans

Do you make business loans?

Yes. We offer loans for business owners with fast and local decisions.

What kinds of loans do you make?

We provide commercial financing for real estate, lines of credit, expansion expenses, and more!

How long before I know if I am approved?

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.

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Home Mortgage Loans

Do you offer fixed- and adjustable-rate real estate mortgages?

Yes. Click here for more information.

Can I have my loan payment automatically debited from my checking account?

Yes. Talk with one of our lenders to learn more about your payment options

Can I apply online?

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.

Do you require a minimum credit score to apply for a loan?

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.

If I am purchasing a new home, do I need to have a contract before applying for a loan?

No. We can complete a pre-qualification to determine the loan amount and product that best suits your needs.

Do I need to have a checking or savings account at Englewood Bank & Trust in order to apply for a mortgage loan?

No. We do not require either. We are glad to work with applicants that are new to Englewood Bank & Trust.

I received a bill for my property taxes but I thought this was included in my monthly loan payment?

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.

I received my monthly billing notice and my payment has increased. Why did it go up?

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.

Do you require that I have mortgage insurance on my loan?

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.

Is a home inspection required for a new home purchase?

Englewood Bank & Trust does not require a home inspection, but you may choose to have an inspection on the property you want to purchase.

Will I receive a copy of my appraisal?

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.

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Consumer Loans

Do you do debt consolidation loans?

Yes. We will work with you to determine what best meets your individual borrowing needs.

Do you make automobile loans?

Yes. We lend for new and used vehicles, as well as for boats and motorhomes.

Do you offer home equity lines of credit?

Yes, based on the equity that you have in your home. Our personal bankers can assist you with this type of loan.

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Safeguarding Trust Assets

Who supervises my bank?

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.

How are my managed assets protected?

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.

How is my bank’s trust department regulated?

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.

  • Segregation of Duties: Bank trust departments segregate and often rotate the duties of their employees who work in the custody and investment management operations. Under such a regime, no one individual is able to authorize, execute, and review the processing of custody assets, including securities, cash, income payments, and corporate actions. These dual-control procedures ensure that one person, acting alone, cannot complete all phases of a transaction or transfer client assets.

  • Record-Keeping Requirements: In addition to records for tax and accounting purposes, bank custodians and investment managers must maintain detailed records to document and confirm securities transactions. Banks must record securities transactions daily in chronological order. The records must include the account name, description of the securities, amount purchased or sold, trade date, and the name of the broker/dealer purchaser or seller.

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.

  • Internal Audits: In addition to imposing rigorous record-keeping obligations, banking regulations require annual or continuous audits of all significant fiduciary activities conducted by an audit committee. The fiduciary audit committee’s adoption of a thorough audit program allows the bank’s board to identify practices that contravene policies or violate fiduciary laws and regulations. The audit committee may not contain any officer who participates significantly in the administration of the bank’s fiduciary activities.

  • External Audits: All FDIC-insured institutions must be audited each year by an independent public accountant (IPA) who is licensed to practice and is in good standing under state law. To ensure the accountant’s reliability and adherence to good accounting and auditing practices, IPAs must be peer-reviewed each year in a manner consistent with the standards of the American Institute of Certified Public Accountants.

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.

How is my bank examined for compliance with banking laws and regulations?

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.

Where can I find more information about my bank?

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.

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Other Services

Safe-Deposit Boxes

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:

Size Annual Fee

3" x 5"

$30.00

5" x 5"

$40.00

3" x 10"

$45.00

5" x 10"

$65.00

10" x 10"

$105.00

11" x 16"

$165.00

 

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.

Cashier's Checks

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.

Notary Service

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.

 

Night-Deposit Drop Box

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.

24-Hour Automated Telephone Banking
Locally: 941-475-2265 (BANK)
Out-of-Town: 844-660-3400

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.

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