Personal Banking
Checking Accounts
Whether you would like to open a basic checking account or an account that earns interest, El Paseo Bank offers just the right program for you.
El Paseo Checking is our most popular FREE checking account. There is no monthly service charge and you’ll receive a concise monthly statement detailing your account activity. ATM cards may be used free of charge at our ATM locations, or choose the Visa Check Card, which works just like a check and can be used anywhere Visa is accepted.† Add overdraft protection to your account by qualifying for an extended line of credit.
El Paseo Silver Checking earns you interest and your monthly service charge is waived when you maintain an average monthly balance of $1,000. Choose to have your checks or check image returned in your statement.
El Paseo Gold Checking offers the highest interest rate of our checking accounts and a host of free services, including money orders, official checks, travelers checks, and free personal checks for the life of the account. Your monthly maintenance fees are waived with an average monthly balance of $2,500.
Senior Advantage Checking offers great advantages for customers age 55 and over, including all of the features in the El Paseo Gold Checking account without the average monthly balance requirement.
Savings Accounts
Put your money to work with one of our high yielding, completely liquid savings accounts. Your savings account can be automatically linked to your checking account, which creates another level of overdraft protection.
Statement Savings Plan is an excellent way to start your investment program. This account requires a low minimum daily balance in order to waive monthly service charges.
Money Market Savings Accounts are designed for investments of $1,000 and greater, and offer you a tiered rate structure that rewards you as your balance increases. These accounts also feature easy access and never have monthly service charges.
Certificates of Deposit (CD's)
Are you looking for an opportunity to maximize your hard-earned dollars? Certificates of Deposit make an excellent short or long-term choice for any investment portfolio. With competitive rates and terms from 3 to 60 months, El Paseo Bank has certificates to match your investment goals.
Individual Retirement Accounts (IRA's) Individual Retirement Accounts enable you to start planning for your future with as little as $100. El Paseo Bank offers a full range of IRA products, including Education, Roth and traditional IRA accounts. With our fixed rate IRA, you can lock into a guaranteed interest rate for the term of your choice.
ATM/Visa® Check CardsATM/Visa® Check Cards may be used at any machine supported by either the Cirrus or Plus networks. Or choose the El Paseo VISA® Check Card, which combines the features of an ATM card with the convenience and purchasing power of a credit card. The VISA® Check Card is linked to your checking account and is accepted worldwide at any location bearing the VISA® logo.
Safe Deposit BoxesProtect your valuables by renting a safe-deposit box from El Paseo Bank. Your important documents and possessions are kept under a dual-control lock system in the safety of our vault. We have four different sizes available to meet your needs:
Medium: 3 x 10 Large: 5 x 10 X-Large: 10 x 10
*Safe deposit boxes are not insured by the FDIC or El Paseo Bank.
Wire Transfers
National and International Wiring Service enables you to send money fast and is available to all El Paseo Bank customers.
Loan Products
El Paseo Bank offers a variety of loan programs for both customers and businesses. You’ll find a complete range of credit products and programs to choose from, and our dedication to customer service ensures that your request will receive our immediate attention. We specialize in providing the following types of credit:
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Fixed & Adjustable Rate Mortgages, including "Jumbo" Loans |
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Commercial & Multi-Family Real Estate Loans |
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Building Lot Loans |
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Construction Loans |
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Home Equity Loans & Lines of Credit |
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Consumer Loans |
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Small Business Loans & Lines of Credit |
Mortgage Loans
Whether you are buying or refinancing, El Paseo Bank has just the right mortgage loan for you. We offer a wide variety of fixed and adjustable programs, and use the latest technology to provide the prompt decisions you need. Allow one of our experienced mortgage loan consultants to show you how easy it is to buy or refinance with El Paseo Bank.
Commercial and Multi-Family Real Estate Loans
Looking to purchase a commercial property? Need to refinance or make improvements on your existing commercial property? Allow one of our commercial lending experts guide you through this simple process. We offer competitive rates and flexible terms, along with the responsive service you’ve come to expect from El Paseo Bank.
Lot Loans
Financing your building lot is a simple process at El Paseo Bank. Our programs enable you to take the time you need to design your home, select a contractor and prepare your project for the construction phase. We feature competitive fixed rates and flexible terms.
Construction Loans
El Paseo Bank specializes in financing construction and remodeling of single-family residences of all sizes. Our experts will answer your questions and provide guidance to simplify the financing portion of your project. In many cases, we can draw your interest payments directly from the loan proceeds, which can be particularly useful if you are still servicing a mortgage on your existing home.
Home Equity Loans and Lines of Credit
Our term home equity loans and revolving lines of credit allow you to take advantage of the equity in your home to consolidate debts, make home improvements, purchase autos or recreational vehicles, take a vacation, pay tuition or finance any other worthwhile projects. Best of all, our rates and terms are very competitive and the interest you pay is often tax-deductible.
Consumer Loans
This is the loan most people think of when purchasing a car or making another major purchase. You can borrow a specific amount and make regular monthly payments for an agreed number of months. Plus you can count on a fixed interest rate so that you always know what your monthly payments will be.
Small Business Loans and Lines of Credit
We offer a variety of business loan programs to our commercial depositors, including term loans, lines of credit and loans guaranteed by the U.S. Small Business Administration (SBA). These loans can be used for equipment acquisition, inventory purchases, working capital and more. Let us structure the right program to help your business grow and prosper.
All loans are subject to credit approval. Programs and terms are subject to change without notice.
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