Personal Banking
Personal Checking and Savings Accounts
We offer a full array of personal checking and savings accounts designed to fit
your specific banking needs. Our accounts offer attractive interest rates; along
with free services such as free VISA®/ATM cards and free online banking. Please
contact a customer service representative at your local office or stop in and see
us for details.
Money Market Accounts
Money Market Deposit Accounts (MMDA) provide you with the opportunity to earn a
higher rate of interest. You can have an unlimited number of withdrawals – either
at an ATM or in person – each month, along with 6 transfers. The interest rate earned
is determined by the balance maintained and compares very favorable with brokerage
money market accounts.
Check Imaging
ECM Libra offers choices for viewing images of your checks.
View Online. An easy, no cost way to retrieve images of checks
paid on your account. Images are readily available for up to 6 months. Save paper
and print copies of only the checks you need. Both the front and back images of
checks are available online, a benefit and convenience you already enjoy with access
to Capitol National eBanking.
By Mail. Images of paid checks can be mailed along with your
monthly statement. A nominal monthly fee per account will automatically
be charged to your account for this option.
To receive images with your monthly statement, please contact our Customer Service Department at
(517) 316-0180.
Certificates of Deposit
ECM Libra offers a wide variety of terms on our Certificates of Deposit.
You can select maturities from as little as 30 days up to 5 years. As rates are
subject to change frequently, rate sheet are available on a regular basis from our
staff members. Larger deposits are negotiated outside of the standard rate schedules.
[ click here ] to calculate the estimated interest
earned on your CD deposit.
Wire Transfers & Other Services
We offer a full line of deposit related services including domestic and foreign
wire transfers, direct deposit payroll, telephone transfers, automated clearing
house (ACH) transactions, night depository, and cashier checks.
Personal Online Banking
With Capitol National’s Personal Online Banking, you can access your accounts at
a time that best fits your schedule. You can view detailed account activity as well
as make transfers between your accounts. Account information can also be downloaded
into several file formats to integrate your banking information with software like
Quicken to manage your finances.
Bill Pay
Our Bill Pay Service is designed to make your life easier. Whether it is a recurring
bill or a one-time payment, ECM Libra’s Bill Pay offers a fast and convenient
method to pay your bills.
ATM and Visa Check Cards
ATM and Visa® Check Cards provide a convenient means to conduct your banking.
You can access your checking and savings accounts to deposit, withdraw or transfer
funds or make balance inquiries. Our ATM cards are widely accepted and are part
of the STAR and Cirrus networks.
Lending Services
ECM Libra
offers convenient, affordable personal loans and home equity lines of credit to
fit just about any situation and budget. Our broad selection of products and services
can help you achieve your financial goals.