Checking
Bankers Trust offers a variety of checking accounts to fit your banking needs.
Products and Services to Fit Any Budget
Community is a Core Value at Bankers Trust, and we invest in our community by supporting growth, stability and continued success. We strive to meet our communities’ lending and financial services needs with products and services to fit any budget. Our community commitment is so strong that we have even developed flexible and innovative lending and deposit products to help meet all your financial needs:
Community Lending Home Mortgages
Bankers Trust has mortgage products to help make your homeownership dream a reality. Our Community Lending Home Mortgages were designed to assist low- and moderate-income individuals and individuals purchasing a property located in a low- or moderate-income geography in achieving homeownership. This mortgage product allows alternative credit, requires only a 3% down payment (1% of borrower’s own funds and 2% from a gift or grant funds) and does not require mortgage insurance.
Our loan originators will walk you through loan options that fit your particular situation so you can make an informed decision. Whether you choose to start your mortgage loan prequalification online or want to meet with us in person, we’re ready to get started. Contact a loan originator near you.
A loan amount of $150,000 with a fixed 3.060% APR would result in 360 monthly principal and interest payments of $634.41. Payments will be higher to account for taxes and insurance.
Foundation Checking
We’re committed to providing safe and affordable banking options to residents in our communities, including a new Bank On certified checking account that makes banking simple and affordable. With Bankers Trust Foundation Checking, you will have a safe place to store your money with added conveniences to access it – all without having to worry about incurring any overdraft fees.* This account is great for those who may be new to banking or who are concerned about overdrawing their account. Learn more about Foundation Checking.
*In certain situations, your account may be overdrawn resulting in a negative account balance. An example of this includes preauthorized debit card transactions. However, you will not be assessed an overdraft fee in these situations. It is advised to rectify the negative account balance once made aware of the overdraft. Under no circumstances should the account remain overdrawn for 10 or more business days. If a deposit to cover the overdraft is not made within 10 business days, your account may be closed. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we may not pay overdrafts if your account is not in good standing, or you are not making regular deposits.
Credit-Builder Credit Cards
Bankers Trust offers a Credit-Builder credit card designed for individuals (18 and older) who have no credit history. The card will help
you establish credit while also helping you meet your financial needs and future goals. The card offers convenient features, like contactless technology to just tap and go, chip-based technology for extra security and compatibility with several mobile wallets. The Credit-Builder credit card comes with:
- 0% Introductory APR for the first six months on purchases and balance transfers. After the introductory period, a variable 17.50% APR.**
- Credit limits ranging from $50-$500 and up to $1,000 for qualified customers
- VISA Card benefits (Zero Liability, Roadside Dispatch®, ID Navigator Powered by NortonLifeLock)
**The 0% Introductory Annual Percentage Rate (APR) applies to purchases and balance transfers and is valid for the first 6 billing cycles. The Introductory Rate does not apply to cash advances. After the introductory period, the annual percentage rate may vary. $0 introductory balance transfer fee for the first six months. After that, a fee of $10 or 2% of each transfer, whichever is greater. Cash Advance and Overdraft Advance Fee per transaction: 2% or $10 minimum. Foreign Transaction Fee per transaction: 1%. Minimum Interest Charge: $0.50. $25 Annual Membership Fee. Floor Rate: 2% APR. Ceiling Rate: 21% APR. For more detail, please see Credit Card Agreement for Bankers Trust Visa® Gold Accounts link below.
Read this Bankers Trust Education Center article to learn more about Credit-Builder credit cards, and visit a local Bankers Trust location to speak to a representative about applying.
