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

Overdraft Protection

From time to time, we all need a safety net. That’s why Evolve offers overdraft protection. No need to sign up. If your account is in good standing, you’re covered.

  • When you bounce a check, Evolve covers the cost and charges you a $30 fee.
  • The overdraft limit with an eFreedom or eLife accounts is $500.
  • The overdraft limit with an eBusiness, eCommunity or eCorporate account is $1000.

Restrictions apply. Please click here for more information or call 866.395.2754.

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 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.

Lost or Stolen Cards

If you’ve lost your card or had it stolen, please call 866.395.2754.

Frequently Asked Questions about EMV


With the MyCardRules™ app, you have the ability to turn your cards on or off, set spending alerts, and get alerts quickly and conveniently! This app helps you manage your card spending directly from your mobile device- saving you time, money, and frustration.

Frequently Asked Questions

What is MyCardRules™?

MyCardRules™ is an easy-to-use mobile app that lets you set card controls, add restrictions and receive transaction alerts.

How does this mobile app let me manage my cards?

Simply download the MyCardRules™ app from Google Play™ or the App Store®. Then you can set a wide range of controls and alerts on all your cards. For example, you can:

  • Turn your card on or off
  • Set transaction spending limits based on your preferences, including dollar amount, transaction type and merchant type
  • Get instant alerts on certain types of transactions, like when a transaction is declined
  • Set a specific region where the card can be used or restrict usage based on your mobile device’s location
  • Set parental controls and monitoring

Alerts will show up just like any other notifications you get on your mobile device.

Why is this app a better way to manage my cards?

MyCardRules™ is a better way to manage your cards, because you can manage all of your card transactions from your mobile device. You have complete control of how, when, where — and WHO uses your cards.
Plus, knowing that you’ve set rules, restrictions, and alerts that meet your specific spending preferences adds another layer of fraud detection and prevention, and gives you added peace of mind.

Is MyCardRules™ a secure app?

Yes, managing your cards with this app is safe and secure. Your account is password protected and highly encrypted.

How do I get started with MYcardRules™?

After you download the app, select “New User” and then enter your card information to begin registration.
You’ll need to provide:

  • Card Number
  • Expiration Date
  • Security Code (usually on the back of your card)

Next, you’ll create a username and password.
Once your account is created, you can log in and access the “Card Details” screen.
From this screen you can:

  • Turn card controls on/off
  • Set controls
  • Manage alert preferences
  • View recent transactions and more

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.

Click here for Helpful Hints to setting up Online Banking.

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 a money management software system.

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.

Most people who have had accounts with a certain bank for a while, sometimes even for many years, still won’t be able to tell you all the banking products their bank of choice offers — or what their services are. For instance, not many people understand what the term “personal banking” means, or what services are considered part of personal banking.

Personal banking is a set of services which banks offer individuals and families to suit their most basic financial needs. Some of the products which banks include in their personal banking offerings include deposit accounts such as checking and savings, loans to individuals, personal investment banking, money market accounts, and many others.

There are also certain loan products which fall under the umbrella of personal banking services. Here are some of the important things to know about personal banking and how using these banking products wisely can help build your wealth.

The Importance of Choosing the Right Personal Banking Products

At Evolve Bank & Trust, we’re not just a bank — we’re also a part of the communities we serve.

Personal Checking Accounts

Personal checking accounts are one of the most basic and also most important services offered by banks. When you open a checking account, your assets are held by the bank, and you can access them through debit cards, ATM machines, and online payments. The major benefits which come from using checking accounts include the following:

  • You can access money from your bank account via your debit card, so you can shop without having to carry cash
  • You can use a debit card to buy goods from most stores, make purchases online, pay bills, and access money from the ATM
  • You can have your paycheck deposited directly into your bank account by your employer
  • You can set up automatic payments from your checking account, such as credit card payments, utility bill payments, mortgage payments and more. This is convenient and helps you avoid late fees.
  • The amount of money you can withdraw from the account is limited, which minimizes the possibility of loss through fraud.

There are different types of checking accounts available. These include free checking accounts, online checking accounts, joint checking accounts, student accounts and other accounts which are meant for business use. Our dedicated personal banking staff will ask questions about your financial situation in order to guide you to the right checking account for your needs.

Depending on the checking account you choose, there may be a minimum daily balance or minimum opening balance requirement. However, Evolve Bank & Trust offers features that some other banks do not, such as nationwide ATM refunds. It’s our goal to make banking as easy and straightforward as possible, with checking accounts that fit the way you live and bring more convenience into your banking experience!

Savings Accounts

Evolve Bank & Trust offers different savings accounts to meet different needs. From our basic Personal Savings account with a low opening balance requirement to our High Yield Savings that comes with tiered interest rates, we have a savings account for everyone. So whether you’ve been meaning to start an emergency fund savings account or save up for the vacation of a lifetime once you retire, we have the account for you.

Certificates of Deposit

We offer CDs with a low opening deposit requirement and different terms to meet your needs. This makes it easy for you to make your money work harder and earn more interest while you aren’t using it. And since you can’t make an early withdrawal from your CD without paying a penalty, CDs are a good way to reinforce your willpower to save.

Other Personal Banking Products and Services

In addition to these basic checking accounts, savings accounts and CDs, we also offer the following personal banking services:

Retirement Plans

We offer different options to our customers when it comes to retirement plans, including Traditional IRAs, Rollover IRAs and SEPs. It is wise to take advantage of these products because it helps you ensure that you’ll have a more comfortable retirement, with more time and money to do what you really want to do.

Wealth Management

There are two things involved in wealth management. The first is personal financial advice and the second is estate management. At Evolve Bank & Trust, we can assign you an investment advisor if you’d like to have professional guidance on how you can save and invest your wealth for maximum gains. The benefits which come with getting a personal financial expert to advise you on wealth management include:

  • Working with someone who has a great deal of knowledge about the financial industry and investment strategies.
  • Assessing your financial situation and your interests so they can recommend the most suitable solutions for you.
  • The peace of mind that comes from knowing that your money is in safe hands and that it has a chance to grow and work harder for you.
  • Saving time on the research you would have to do to learn about different savings and investment options. We’ll help you determine which investment vehicles are appropriate for your situation so you invest in the right areas.
  • Smart advice in handling your debts as well as your assets.

Come to us for financial advice that makes more of your money.

Estate Management

Some of our customers can benefit from estate management services. These services are geared towards making sure that even after you have passed on, your family will receive as much of your assets as possible, with a streamined process. Estate management can include management of trust funds, college funds, and other related products. Some of the specific services that we can help you with include:

  • Doing calculations to figure out how much your heirs will inherit, and what the tax ramifications will be.
  • Advice on how to start a fund or a charity for a cause which you care deeply about.
  • Providing for the financial needs of a loved one with special needs after you’re gone.

The benefits of working with a qualified estate planning and estate management professional are numerous, including:

  • You are able to direct your assets in the right manner depending on your needs.
  • You are able to avoid probate and keep your financial affairs private when you are no longer in a position to control your own finances.
  • You will still be in a position to care for your family, even when you become unable to handle financial responsibilities.
  • You are able to avoid and prevent family disputes by clarifying your wishes about your estate before you are gone.
  • You reduce your tax burden when you establish charitable trusts.
  • You reduce the amount of stress that your family has to go through after you are gone by ensuring that an experienced person is guiding them through the financial issues.

Personal banking services can cover a variety of needs, from the most basic student checking or savings account to retirement accounts, advanced estate planning and wealth management. Evolve Bank & Trust is here to meet your banking needs at every stage of life. Contact us online or visit one of our branches to get started.

Get started with Personal Banking

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