Our career bankers are dedicated to providing genuine personal service and are devoted to discovering ways to deliver all the advantages of modern and convenient banking services in the sincere, friendly manner you should expect from your local community bank.

Checking Accounts:

Bank of the Islands offers a variety of personal checking accounts to fit your unique needs.  All of our checking accounts come with convenience features such as our FREE OnLine AnyTime Banking with bill pay, mobile banking, debit card, and 24-hour access line (1-800-359-9034).      

Royal Islander Checking:  If you are 62 years of age or better, you will receive 'Royal Treatment'..... a wide range of banking services and privileges.

              • Free Royal Islander Customized Checks
              • Free Cashier's Checks & Money Orders (up to 3 per month)
              • Free Notary Service
              • Free OnLine AnyTime Banking with Bill Pay

 

No monthly service charge with a monthly recurring (ACH) Direct Deposit or by maintaining a minimum daily balance of $1,000. Otherwise, the monthly service charge is just $8.

Earn interest on collected funds when maintaining a minimum daily balance of $500.

Minimum Deposit to open is only $50.

 

Basic checking: Monthly service charge of $10 can be avoided by maintaining a minimum balance of $5,000.

              • Unlimited check writing
              • Free OnLine AnyTime Banking with Bill Pay
              • Free electronic statements and notices*

Minimum Deposit to open is only $50.

*Paper statements are available for an additional $2 monthly fee.

 

Online Banking:

Managing your finances has been made easier with on-line banking... and it's completely FREE! Take advantage of a safe and secure way to check your account balances, pay bills, and transfer funds.

Mobile Banking:

We are proud to introduce our latest technology for the ever busy customer.  Mobile banking will allow our customers to bank 24 hours a day, 7 days a week, anytime, anywhere. Click here to find out more.

            • Check balances
            • Pay bills to established bill pay accounts
            • Transfer money between accounts
            • Certain Restrictions Apply

Click for our Mobile Banking Guide.

Overdraft Protection:

Sign up for our overdraft protection service to save the cost of overdrawing your account by automatically transfering money from other Edison National Bank/Bank of the Islands accounts. 

Money Market Account *:

Our money market account allows you to have access and flexibility to your money while enjoying the benefits of higher yield interest rates.

Savings Accounts:

Our bank believes saving is a big part of your overall financial health. We offer savings accounts to encourage the youth of today to start saving for their future.

Inventors Savings *:  One of our special young people of today may be our Thomas Edison of tomorrow. We welcome our young savers to bank their nickels and dimes in an account that has no minimum balance requirement and no monthly service charge. When the minor turns age 18, the account will graduate to the 'Statement Savings' account. Withdrawals / Debits in excess of 6 per month are $1 each. Minimum deposit to open is only $10.

Investment Savings *:  Save more and earn higher rates. This tier based savings account is for the serious saver. The monthly service charge of $10 can be avoided by maintaining a minimum daily balance of $2500. Withdrawals / Debits in excess of 6 per month are $1 each. Minimum Deposit to open is only $50.

* Important Notice about Money Market and Savings Account transaction limitations.

Federal Regulation limits certain types of withdrawal and transfer transactions you can process from your savings or money market account to a maximum combined total of six (6) per month. Limited transactions include preauthorized or automatic transfers, telephone and online requests, by check, draft, debit card or similar order (including Point of Sale transactions). An 'Exceeded legal limit debit fee' of $3 will apply for each transaction that exceeds the regulatory limit.

 

Health Savings Account:

 

A Health Savings Account (HSA) is an account that you can put money into to save for future qualified medical expenses. There are certain advantages to putting money into these accounts, including favorable tax treatment.

 

Certificates of Deposit:

 

Let your excess funds or retirement dollars work for you in a Certificate of Deposit (CD). We offer a variety of CD terms and can tailor them to meet your specific needs. Penalties may apply for early withdrawal.

 

Individual Retirement Accounts (IRAs):

Planning a comfortable retirement or college for the kids requires a realistic plan and commitment. How well you live tomorrow is determined by how well you plan today. Take advantage of the tax benefits and let your money work for you.

 

Safe Deposit Box:

Safe deposit boxes offer a safe and secure place to keep family documents and heirlooms. Those items may include passports, birth certificates, jewelry, stock certificates, and items you could not easily replace. Enjoy the comfort of knowing that your valuables are protected and safe with a fire and water resistant box.

Wire Transfers:

To initiate a domestic (U.S. only) wire transfer, please visit one of our conveniently located offices.

 

Personal Loans:

 

Our local, on-site decision making is not only the fastest, most efficient way to serve bank customers, it is, quite simply, the best way. Our relationship-focused lending professionals will work hard to help you realize your goals. We're committed to providing the financial resources necessary to help you succeed. Click here to find out more.

 

 

Foreign Currency Exchange:

 

Edison National Bank has partnered with Travelex to provide a convenient and secure option for ordering foreign currency.
Find out how much you need for your trip, check foreign currency exchange rates and have the foreign currency or a reloadable multi-currency Cash Passport™ Prepaid MasterCard® delivered to your home. Click to continue.

 

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