Deposit Products

FDIC INSURANCE COVERAGE

For more information about FDIC insurance coverage, click here.


Lost or Stolen MasterCard ATM Debit Card

If you have a lost or stolen Debit Card, please call 1-800-472-3272 and a representative will assist you.


 Deposit Accounts and Related Products

Cecil Bank offers many deposit product to meet your needs. To obtain more information, or open an account, just stop by one of our convenient locations. Please click on the “Current Rates” link for rates on any of our deposit products. If you need to reorder checks use our secure Check Reorder Form. Regular Checking:

  • Unlimited Check Writing – No Per Check Charge
  • ATM Access
  • Overdraft Protection Available
  • Imaged Checks
  • $3.00 Statement Service Charge Waived With $100.00 Minimum Balance
  • $3.00 Statement Service Charge Waived With Payroll, Pension, or Social Security Direct Deposit
  • $50 minimum deposit required to open

NOW Interest Checking:

  • Unlimited Check Writing – No Per Check Charge
  • Interest Bearing Account
  • ATM Access
  • Overdraft Protection Available
  • Imaged Checks
  • $10.00 Statement Service Charge Waived With $500.00 Minimum Balance
  • $50 minimum deposit required to open and $10 minimum balance required to obtain the APY

Premium High-Yield Checking Account:

  • ATM Access
  • Overdraft Protection Available
  • Imaged Checks with Bank Statement
  • $20.00 Statement Service Charge Waived With Payroll, Pension, or Social Security Direct Deposit, make five or more posted debit card transactions during the calendar month, and $2,500.00 Minimum Balance
  • Fees may reduce earnings on the account.
  • $50 minimum deposit required to open and $10 minimum balance required to obtain the APY

High-Yield Interest Bearing Account:

  • ATM Access
  • Overdraft Protection Available
  • Imaged Checks with Bank Statement
  • Direct Deposit and eStatements required
  • $15.00 Statement Service Charge Waived With Payroll, Pension, or Social Security Direct Deposit and $500.00 Minimum Balance
  • $50 minimum deposit required to open and $10 minimum balance required to obtain the APY

Silver & Gold Checking:

  • Age 55 or above
  • FREE CHECKS (limited to one box per year on anniversary date of account opening
  • Direct Deposit Required of Payroll, Pension, or Social Security check to waive the $5 Statement Service Charge
  • High Yield Interest Bearing Account
  • Discounted Safe Deposit Box (on first year rental only)
  • Unlimited Check Writing – No Per Check Charge
  • ATM Access
  • Overdraft Protection Available
  • Imaged Checks
  • $50 minimum deposit required to open and $10 minimum balance required to obtain the APY

Student Checking:

  • Students under the age of 23
  • Unlimited Check Writing – No Per Check Charges
  • ATM Access
  • Overdraft Protection Available
  • Imaged Checks
  • $3.00 Statement Service Charge Waived with E-Statements
  • $50 minimum deposit required to open

Statement Savings Account:

  • Interest is compounded daily and posted to your account monthly
  • Your money is available anytime with no penalty for withdrawal
  • $10 minimum deposit required to open and $10 minimum balance required to obtain the APY
  • If your balance falls below $100.00 at any time during the calendar month, you will be charged a $3.00 Statement Service Charge

Club Account:

  • $10.00 minimum daily balance to obtain the disclosed annual percentage yield
  • Interest is compounded daily and posted to your account annually in October
  • Convenient check arrives for your availability by mid-October
  • $1 minimum deposit required to open and $10 minimum balance required to obtain the APY

Money Market Account:

  • Interest is compounded daily and posted to your account monthly
  • Your money is available anytime with no penalty for withdrawal
  • $50 minimum deposit required to open and $10 minimum balance required to obtain the APY
  • If your balance falls below $2,500.00 at any time during the calendar month, you will be charged $10.00 Statement Service Charge

Certificates of Deposit:

  • $500.00 minimum deposit required to open
  • Maturities from 91 Days to 5 Years
  • Interest is compounded daily and posted to your account monthly
  • With a minimum balance of $500.00, interest earned may be reinvested, transferred to another account, or paid by check

Convenient Access Certificates of Deposit:

  • $2,000.00 minimum deposit required to open
  • 12 Month Term
  • Interest is compounded daily and posted to your account monthly
  • Interest earned may be reinvested, transferred to another account, or paid by check
  • Allows three(3) withdrawals of principle without penalty during the certificate term.

Individual Retirement Account:

  • $100.00 minimum deposit required to open
  • 18 or 60 Month Terms
  • Interest is compounded daily and posted to your account monthly
  • Minimum balance of $100.00

Other Consumer & Business Services:

  • Direct Deposit of Payroll
  • Night Deposit
  • Combined Statements
  • eStatements
  • Retail Online Banking
  • Internal & External Transfers
  • EZ Pay Bill Payment
  • Mobile Banking
  • Mobile Capture
  • Alerts for Online Banking
  • Alerts for Mobile Banking
  • Card Hub
  • Safe Deposit Boxes
  • Wire Transfer Services
  • Notary Public
  • Money Orders