A personal loan is one-time funding with fixed interest rates and fixed monthly payments. A fixed rate is an interest rate that stays the same throughout the loan. Personal loans often have lower interest rates if you have good credit. Also, you don’t have to be a EPIC TRUST BANK customer to apply for a personal loan.
Take control of your finances with a personal loan. Epic Trust Bank personal checking clients with credit approval may be able to borrow up to $50,000.1 Those without a Epic Trust Bank account may be able to borrow up to $25,000.
Check your rate before completing a full application to see what you may be eligible to borrow. It won’t affect your credit score.
Borrow $1,000 up to $50,000.
Upgrade your home and its value. Epic Trust Bank personal checking clients with credit approval may borrow up to $50,000 with our home improvement personal loan.2 Those without a Epic Trust Bank account may be able to borrow up to $25,000.
Check your rate before completing a full application to see what you may be eligible to borrow. It won’t affect your credit score.
Borrow $1,000 up to $50,000.
Need quick funds for an emergency? Our Simple Loan is one way for Epic Trust Bank personal checking clients who qualify to borrow up to $1,000 for planned – and unplanned – expenses.
Borrow $100 up to $1,000.
Looking to tackle financial goals with a little more flexibility? If you’re a current Epic Trust Bank personal checking client, a personal line of credit can give you instant, ongoing access to funds as you need them.
Before you apply you can check your rate and see what you may be eligible to borrow. It won’t affect your credit score.
Instant, ongoing credit access
Exclusive to Epic Trust Bank personal checking clients, take on your home improvement projects with the flexibility of a credit card, but typically with lower interest rates.3 Since it’s an unsecured line of credit, there’s no collateral needed.4
Before you apply you can check your rate and see what you may be eligible to borrow. It won’t affect your credit score.
No annual fees
Protect your Epic Trust Bank checking account from overdrafts with a reserve line of credit. You’ll enjoy no annual fee and automatic advances to your checking account if your balance ever falls below zero.
Protection from overdrafts
Bank Smartly® Checking lets you manage your cash flow and gives you access to automated tools to help you spend and save wisely. Get started with an initial deposit of $25.
Apply online in less than 5 minutes.
Fund your account using an internal or external transfer. You can also add money using your credit, debit or prepaid card.
Securely switch your direct deposit online in minutes.
You can apply for an individual bank account if you’re 18 years or older and a legal U.S. resident. You’ll need to provide your Social Security number and a valid, government-issued photo ID. Not quite 18?
The EPIC TRUST BANK Smartly® Checking account offers special benefits for Youth ages 13 through 17 when you open an account with an adult.
A regular checking account is typically used for day-to-day spending and paying your bills. You can easily access your money with a debit card, ATM or by writing a check (if you have a traditional checking account with checks). Although Bank Smartly® Checking is an interest-bearing checking account, savings accounts are meant to help you grow your money or set aside funds for a big purchase. It’s often beneficial to have both as part of your financial plan.
Yes. Our Overdraft Fee Forgiven 8 program is your backup to your backup plan when your available balance is overdrawn $50.01 or more. Get your Overdraft Paid fee waived when you make a qualifying deposit(s) before 11 p.m. ET on the day you are charged the fee.
Get answers to other frequently asked questions and learn about account services, features and benefits on our Checking Customer Resources page.
Yes, you can open a checking account online.
As a current or former member of the United States Armed Forces, open a Bank Smartly® Checking account and you'll automatically be enrolled in the Smart Rewards® Plus tier, 14 at a minimum, regardless of your account balance.
Bank Smartly® Checking offer special benefits to Young Adults ages 18 through 24 and Youth ages 13 through 17. Young Adults may apply for an account individually or jointly. Youth must apply jointly with an adult.
Yes, as a senior (age 65 or greater), you’re automatically eligible for additional services and rewards tailored to meet your needs.
Yes, if you are a member of one of our eligible customer groups, you automatically qualify for additional services and rewards tailored to meet your needs.
Yes. With our automated setup, enrolling in direct deposit is easy:
Your direct deposit update is seamless, secure and verified in real time.
If you’re one of the millions of Americans using a checking account, you should know how to keep it balanced.
Your beliefs about spending and saving money can boost or block your financial success. Here’s how to make your money mindset an asset.
When it comes to financial wellness and saving for the future, at EPIC TRUST BANK, you have options.
Money Market Accounts
Easily access your money and get higher returns based on your balance tier.
Safe Debit Account 15
Enjoy the perks of a checking account without all the checks.
Certificates of deposit (CDs)
Lock in great rates that outshine traditional savings.
Equal Housing Lender
