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 Maintenance Fee Waived With $100.00 Minimum Balance
  • $3.00 Maintenance Fee 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
  • $5.00 Maintenance Fee Waived With $300.00 Minimum Balance
  • $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 Maintenance Fee Waived with E-Statements
  • $50 minimum deposit required to open

Passbook Savings Account:

  • Interest is compounded daily and posted to your passbook quarterly
  • 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 $3.00.

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 $3.00.

Club Account:

  • $10.00 minimum daily balance to obtain the disclosed annual percentage yield
  • Interest is compounded annually 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:

  • $2,500.00 minimum balance
  • 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

Traditional 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

Bump Up Certificates of Deposit:

  • $500.00 minimum deposit required to open
  • Maturities from 2 Years to 5 Years
  • Interest is compounded daily and posted to your account monthly
  • Interest rate may vary
  • With a minimum balance of $500.00, interest earned may be reinvested, transferred to another account, or paid by check
  • You may change the interest rate on your account one time on 2 and 3 Year Certificates or two times on 4 and 5 Year Certificates 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
  • Bill Payment
  • Safe Deposit Boxes
  • Wire Transfer Services
  • Notary Public
  • Travelers Checks
  • Money Orders
  • Gift Checks

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