Personal Banking

You’re busy. Let us take banking off your to-do list.

Evolve has a very different approach to banking. Our philosophy is to make our customers lives easier by building solid financial and friendly relationships without the hassle of having to come to the bank for every little thing. Our emphasis on convenience and customer service means we are always here when you need us and will keep working for you even when you’ve moved on to your next “to-do.”


Personal Checking

Looking for a personal checking account that is just right for you?

Evolve Bank & Trust offers an array of checking accounts designed to fit your specific needs. With every Evolve checking account, you have the benefit of a leading edge financial services institution with 90 years of experience.

Standard Features with Evolve Checking Accounts:
  • Free ATMs Nationwide
  • Low opening balance requirement
  • Unlimited check writing
  • Free Evolve Debit/ATM Card
  • Free Online Banking with 24/7 account access
  • Free Online Bill Pay
  • Online Funds Transfer (certain fees may apply)
  • eSnap Mobile Deposit*
  • eCall with 24/7 ability to check accounts
  • Evolve Bank & Trust VISA Credit Card with no annual fee*
  • Monthly statements for easy record keeping
  • eStatements
  • FDIC insurance up to the maximum allowable by law
  • Overdraft Protection available from other Evolve accounts

*Subject to approval.

eUniversity Checking

A checking account that makes the grade — and it’s free! If you are a student and 24 years old or younger, we offer you all the perks of our eUniversity Account — Free. Student Checking offers a low opening balance of only $100 and no monthly service charge. School ID or other proper documentation required.

  • Minimum to open: $100
  • No minimum daily balance
  • No monthly service charge
  • Does not earn interest
  • FREE eStatements
  • Paper Statements not available
  • First order of standard checks FREE
  • Nationwide ATM Refunds
  • Statements on the 15th of each month
  • FREE Online Banking
  • FREE Unlimited Check Writing
  • FREE Mobile Banking
  • FREE Mobile Deposit*
  • FREE Online Bill Pay
  • FREE 24/7 Phone Banking
  • ATM/Debit Card*
  • Text Alerts*
  • Email Alerts
  • Evolve Credit Card
  • Cashier Checks. Standard fees apply
  • Safe Deposit Box. Standard Fees Apply

*Subject to approval. Mobile Carrier fees may apply.

eFreedom Checking

All the basic features in one easy account. If our standard checking account features are all you need, this is the account for you. Open an eFreedom Account with an opening balance of only $100. If you maintain a daily balance of $250 or more and have at least one direct deposit, the low monthly service fee will be waived.

  • Minimum to open: $100
  • $250 minimum daily balance
  • No monthly maintenance fee for if your daily average balance is $250 or higher and at least one monthly direct deposit.
  • Does not earn interest
  • FREE eStatements
  • $5 monthly fee for Paper Statements if not receiving eStatements
  • First order of standard checks FREE
  • Nationwide ATM Refunds
  • Statements on the 15th of each month
  • FREE Online Banking
  • FREE Unlimited Check Writing
  • FREE Mobile Banking
  • FREE Mobile Deposit*
  • FREE Online Bill Pay
  • FREE 24/7 Phone Banking
  • ATM/Debit Card*
  • Text Alerts*
  • Email Alerts
  • Evolve Credit Card
  • Cashier Checks. Standard fees apply
  • Safe Deposit Box. Standard Fees Apply

*Subject to approval. Mobile Carrier fees may apply.

eLife Checking

Checking account that makes you money. With all the perks of our eFreedom Account and the same low opening balance of only $100, our Interest Checking pays you competitive interest rates on your daily collected balance. Interest accrues daily and compounds monthly. It is free as long as you maintain a daily balance of $750 or more, or if you have total combined loan and/or deposit balances of $50,000 or more.

  • Minimum to open: $100
  • $750 minimum daily balance
  • No monthly maintenance fee if your daily average balance is $750 or higher, or by having $50,000 combined in average monthly loan balance and/or monthly direct deposits.
  • FREE eStatements
  • FREE Paper Statements
  • First order of standard checks FREE
  • Nationwide ATM Refunds
  • Statements on the 15th of each month
  • FREE Online Banking
  • FREE Unlimited Check Writing
  • FREE Mobile Banking
  • FREE Mobile Deposit*
  • FREE Online Bill Pay
  • FREE 24/7 Phone Banking
  • ATM/Debit Card*
  • Text Alerts*
  • Email Alerts
  • Evolve Credit Card
  • FREE Savings Account
  • FREE Cashier Checks (up to 3 per month)
  • Safe Deposit Box. 25% discout on standard fees.**

*Subject to approval. Mobile Carrier fees may apply.
**Subject to availability


Personal Savings

Savings as it should be.

  • Low opening balance requirement: $100
  • Competitive interest rate paid on collected balance
  • Access money through withdrawal or ATM
  • $5.00 quarterly service charge (fee is waived if your daily balance is $250 or greater)
  • $2.00 per debit over 6 in a quarter
  • Interest compounded quarterly
  • Quarterly Statements
  • Free Online Banking with 24/7 Website Tech Support

Money Market Savings

Earn higher rates with a Money Market Savings account. The higher your average balance, the greater your interest rate!

  • Minimum opening requirement: $2,500
  • Tiered Interest Rates
  • Free Online Banking with 24/7 Website Tech Support
  • Monthly statements for easy record keeping
  • Earns money market interest rates. Interest accrues daily and compounds monthly.
  • Access money through withdrawal or ATM
  • Six pre-authorized debits a month, three of which can be by check, draft or debit ($10 fee per excess transaction)
  • You must maintain a $2,500 minimum daily balance to avoid $10 monthly service charge

High Yield Savings

Earn higher rates with a High Yield account. The higher your average balance, the more interest you earn!

  • Minimum opening requirement: $10,000
  • Tiered Interest Rates
  • Free Online Banking with 24/7 Website Tech Support
  • Monthly statements for easy record keeping
  • Earns money market interest rates. Interest accrues daily and compounds monthly.
  • Access money through withdrawal or ATM
  • Six pre-authorized debits a month, three of which can be by check, draft or debit ($10 fee per excess transaction)
  • You must maintain a $2,500 minimum daily balance to avoid $10 monthly service charge

CDs and IRAs

Certificates of Deposit (CD)

  • Low opening deposit of $1,000
  • Interest rate varies and depends on maturity interval
  • Choose a term to meet your needs
  • Multiple interest payment options available
  • You receive a notice by mail 10 days prior to maturity
  • Automatically renewable with a 10 day grace period
  • Early withdrawal penalties may apply

Individual Retirement Accounts (IRA)

A simple way to make your money last for retirement.

With the combined benefits of interest income and tax deductibility, IRAs are one of the most effective ways to accumulate retirement savings. They’re also among the simplest of retirement plans: Simply fill out a form, select your investments and contribute money on your own. There are many types of IRAs, including Rollover IRAs, Traditional IRAs and SEPs. But have no fear. We can help you choose the best IRA to fit your unique circumstances and long-term goals. With our combination investment options and expert advice, we can guide you step-by-step through the retirement planning process. (See your tax advisor regarding tax deductibility.)


Personal Loans

Evolve Bank & Trust offers a variety of residential and consumer loan. Evolve specializes in niche products and services while providing superior customer service. Evolve Bank & Trust’s products and services – both residential and commercial – are available to its Evolve Financial Group affiliates and their network of financial advisors throughout the U.S.

Let Evolve Bank & Trust be your financial partner. With hundreds of mortgage programs through our bank and mortgage company, we offer you solutions tailored to fit your financial needs.

Residential Mortgages

Purchase, refinance or cash-out…..your home is important. Regardless of your need, we have the answer. Our lenders specialize in offering suitable products and competitive pricing.

Construction Lending

Whether you’re planning to build your dream home or just thinking about it, Evolve Bank & Trust can help. We can answer your questions and guide you through the loan process. Evolve will be with you every step of the way from framing your front door to turning the key when you move in.

Home Equity Lines of Credit (HELOC)

Debt Consolidation, Tuition, Purchasing a New Home, Refinancing, Investing — No Problem! Evolve Bank & Trust offers revolving lines of credit and fixed rate mortgages. With competitive rates and flexible terms, you can access the equity in your home and your interest may be tax deductible.*

* Consult your tax advisor.

Automobile Loans

Drive in and drive out! Evolve Bank & Trust will make your car buying experience even easier. With competitive interest rates and flexible terms, Evolve wants to be your bank.


Visa Debit & Credit Card

Secure. Easy. Convenient.

With an Evolve Bank & Trust Visa® debit card you can make secure and easy purchases of everything from gas to groceries, in store or online. Use it at merchants worldwide, anywhere Visa® debit cards are accepted.

Available to all personal checking account customers, the Evolve Bank & Trust Visa® Debit Card is a fast and easy way to pay for purchases. The purchase amounts are automatically deducted from your checking account, just like checks, so you don’t pay interest charges.

Moneypass ATM Network

Access your accounts at ATMs across the United States, for FREE.

Evolve Bank & Trust customers get free access to any ATM on the national MoneyPass® Network. This includes free access to thousands of machines across the U.S. Evolve is also a member of the PULSE and PLUS networks which can be accessed around the U.S. and in over 120 countries.

Evolve Bank & Trust VISA® Credit Card*

Like money in your pocket and there’s no annual fee.

The Evolve Bank & Trust Visa®Credit Card is like a line of credit you carry in your wallet, and there’s no annual fee. Enjoy personalized service, rewards program, worldwide acceptance, security programs and travel benefits.

* Subject to approval

Your Visa Platinum® Consumer Credit Card perks include:
  • No Annual Fee
  • Emergency Cash Disbursement
  • ScoreCard™ Rewards Program
  • Emergency Card Replacement
  • Falcon Fraud Alert Protection
  • Travel Accident Insurance
  • Auto Rental Insurance
  • Purchase Security Protection
  • Warranty Manager Service
  • Accepted Worldwide at more than 24 million locations
  • Transfer Balances from other cards
  • View Statement online

Lost or Stolen Cards

If you’ve lost your card or had it stolen, please call the Evolve Debit Card department at 1-866-546-8273 or the Evolve Visa Credit Card department at 1-800-883-0131. We’re open 24 hours a day, 7 days a week.


eGuardian Text Alerts

With eGuardian Text Alerts, you have the ability to detect fraudulent activity on your account quickly and conveniently! Customers enrolled for alerts receive a text message every time their debit card is used–even at the ATM. The immediate detection of unauthorized charges can save you money, time, and frustration.

Each text includes The:
  • Last four digits of your card number
  • Merchant where the card was used
  • Amount of the transaction
  • Eight-character fraud confirmation code
CLICK HERE to enroll in this free service now

 

Frequently Asked eGuardian Questions

What types of transactions will trigger an alert?

All transactions (including ATM usage) will trigger an alert. Please note that the amount listed is only the preauthorized amount. For example, when swiping your card at a restaurant, only the amount of the meal is preauthorized; any additional voluntary gratuities will not be included in the amount listed on the text. Gas Stations can preauthorize the actual sale amount or any amount from $1 to $100 depending on the payment method you choose (debit vs credit).

What if I get a new phone number?

You have the ability of adding, deleting, and renewing devices as you wish all from within the eGuardian system. Simply log in and make the necessary changes.

What do I do if the transaction is fraudulent?

If the transaction is fraudulent, reply to the alert with the eight digit code provided within 12 hours of the text notification. Be sure to reply with the correct codes one by one if there are multiple text alerts. After submitting your reply, you will receive a confirmation message stating that your card is blocked, meaning it can no longer be used for payment authorization. You will need to contact Evolve Bank & Trust’s Customer Support at 866-395-3754 to request a new card, and you will need to enroll your new card in eGuardian once received.

What if I don’t want to be alerted at certain times (sleeping at night, etc.)?

T
here is a Do Not Disturb feature that can suspend alerts for the time frame you personally select. To set up this feature, log into the system and click on the Preferences tab.

Did I miss anything?

Make sure to remember any recurring charges tied to your card, such as membership fees or subscriptions. You will receive an alert when the payment is authorized even though you didn’t swipe your card anywhere. Also, there may be situations where the billing name for the merchant may be different than the name you are familiar with. The billing name will appear in the text alert so make sure to look at both the merchant name and amount when determining of the transaction was fraudulent.


Online Banking

With online banking services from Evolve Bank & Trust, it’s safe, fast and easy to stay on top of your finances—day or night, even on weekends or holidays. You can check account balances, view account history, transfer money between your Evolve accounts and view check images – and it’s FREE! With Evolve Payment Manager, you can transfer funds to and from other financial institutions and pay bills online—And remember, with every Evolve account you get the combined benefits of a leading edge financial services institution with more than 90 years of serving the needs of customers.

Free Online Services

That’s right. You pay nothing. Zilch. Zero. Nada.

Evolve Online Banking is FREE. With this feature you can view and print your account activity and transfer funds between your Evolve accounts. View and print your paid checks 24/7 with a click of your mouse with free check imaging. You can also design and print customized reports of past activity and download your information into money management software, such as Microsoft Money or Quicken.

Evolve Bill Pay

Do away with paperwork and postage. Pay bills online—FREE!

Once you’ve signed up to access your accounts online, you can also sign up for Evolve Bill Pay which lets you pay and even receive and view your bills online. Bill Pay offers convenience, cost savings and time savings. There is no need to buy stamps, write checks or address envelopes. Pay all your bills online anytime—anywhere you have internet access.

  • Receive, view, manage and pay bills all at one convenient website.
  • Set up email alerts for electronic bill arrivals.
  • Schedule automatic recurring payment rules for each biller.
  • Review bill history and, for some billers, payment posting information.
  • Use multiple funding accounts to pay bills.

Online Security

We ensure your accounts are safe.

Online banking environments require the highest level of confidentiality protection available in the form of 128-bit encryption. Logging into your Evolve online banking account to process your transactions over the Internet will require that your internet browser supports 128-bit encryption. You will see a locked padlock icon in the lower right corner of your browser window. You will also see the prefix “https” in your browser’s address bar, which means the web page is secure.

Get started with Personal Banking

Please do not send sensitive personal information, financial or otherwise, through an unsecured forum.

Call Toll Free

866.395.2754

Evolve Bank & Trust

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