Personal | Small Business | Corporate | About
English | Customer Service | Locations | Security
Personal Small Business Corporate & Institutional Investments Learning Center
New Customer Offer
Checking & Savings. Together.
Earn up to $400
as a new customer when you set up qualifying direct deposit(s) to a ELAM bank checking account.
Get Started Explore Products
4.75%
Savings APY
$0
Monthly Fees
24/7
Support
FDIC
Insured
Total Balance
$24,851.36
Account ****4827 · Routing 021000089
+2.4% this month
Spending + Budgets — April
Healthcare $111
Groceries $98
Bills & Utilities $89
Auto + Gas $74
Entertainment $69
FDIC Insured
256-bit Encryption
Equal Housing Lender
Member Since 1982
#1 Rated Mobile App
What We Offer
Products & Services

Explore and apply online. Everything you need for your financial life, in one place.

Checking Accounts
No monthly fees, unlimited transactions, and a debit card that works everywhere.
Explore Checking
Credit Cards
Earn cash back on every purchase with no annual fee and fraud protection.
Explore Credit Cards
Savings Accounts
Grow your money faster with our High-Yield Savings account at 4.75% APY.
Explore Savings
Home Loans
Competitive mortgage rates with expert guidance every step of the way.
Explore Home Loans
Wealth Management
Personalized investment strategies to help you build and protect your wealth.
Explore Investments
Auto Loans
Drive away with great rates. Pre-approval in minutes, decisions in hours.
Explore Auto Loans
Limited Time Offer
$400
Welcome Bonus
Open a new ELAM bank Checking account and earn up to $400 when you set up qualifying direct deposits.
Claim Your Bonus
Open your account online in minutes
No paperwork, no branch visit required. 100% digital onboarding.
Set up qualifying direct deposit
Link your employer or benefits payment to your new ELAM bank account.
Receive your $400 bonus
Bonus is deposited within 60 days of meeting all requirements.
Terms & Conditions apply
Offer available to new personal checking customers. See full terms online.
Our Advantage
Why Choose ELAM bank?

We combine the trust of a traditional bank with the speed and convenience of modern technology.

Instant Transfers
Send money in seconds with Zelle®. No waiting, no delays — just instant transfers to anyone, anytime.
Bank-Grade Security
256-bit encryption, biometric login, real-time fraud alerts and 24/7 monitoring protect your money.
Award-Winning App
Manage all your accounts, cards, and transfers from one beautifully designed mobile app.
24/7 Live Support
Real people, real help. Chat, call, or visit — we are always available when you need us.
Current Rates
Competitive Rates

Rates updated daily. Your money works harder at ELAM bank.

Best Rate
High-Yield Savings
💰
4.75%
APY
No minimum balance required. Interest compounds daily.
Open Account
12-Month CD
🔒
5.10%
APY
Lock in your rate. $500 minimum deposit. FDIC insured.
Learn More
Money Market
📈
4.25%
APY
Flexible access with high-yield returns. $1,000 minimum.
Learn More
30-Year Fixed Mortgage
🏠
6.49%
APR
Competitive home loan rates with flexible term options available.
Get Pre-Approved

* Rates are subject to change without notice. APY = Annual Percentage Yield. APR = Annual Percentage Rate. See full terms and conditions.

Digital First
Bank Smarter.
Bank Anywhere.
Our award-winning app puts your entire financial life in the palm of your hand. Available on iOS and Android.
  • Mobile check deposit — snap and deposit
  • Instant Zelle® transfers to anyone
  • Spending insights & budget tracking
  • Bill pay with automatic scheduling
  • Card freeze / unfreeze in one tap
Download on the App Store
Get it on Google Play
⚡
Instant Notifications
Real-time alerts for every transaction, login, and account change.
📊
Spending Analytics
Colorful charts that show exactly where your money goes each month.
🔒
Biometric Login
Face ID and fingerprint unlock. Your face is your password.
🌍
International Wires
Send wire transfers to 180+ countries directly from the app.
🏦
Virtual Cards
Create disposable virtual card numbers for safer online shopping.
🤖
AI Assistant
Ask questions, get insights, and manage money with AI-powered help.
Customer Stories
What Our Customers Say
"
★★★★★
Switching to ELAM bank was the best financial decision I made this year. The 4.75% APY on savings is incredible, and the app is genuinely beautiful to use.
SK
Sarah K.
Checking & Savings Customer
"
★★★★★
The international wire transfer feature saved my business so much time. I can send payments to clients in Germany and Turkey in minutes, not days.
MR
Michael R.
Business Owner
"
★★★★★
I got the $400 welcome bonus in my account within 60 days, just like they promised. The spending dashboard helped me save an extra $300 last month.
JL
Jennifer L.
New Customer
Start Today
Ready to Bank Smarter?

Join over 2 million customers who trust ELAM bank with their financial future. Open your account in minutes.

Open Free Account Call 1-800-ELAM-BANK