NOTICE: On Wednesday, December 24th, the business day cut-off time for Cash Management, Personal Internet Banking and Merchant Remote Deposit will be 3:00pm. Any submissions initiated after that time will be processed the next business day, Friday, December 26th.
If you have any questions, please call our Customer Service Department at 1-877-226-5820.
Personal Banking » Loans
Residential Mortgage Loan
Our Residential Loan Department provides all of our clients' professional, friendly service as well as a wide array of products and programs that best meets their needs. It is important to us to keep the client informed during the processing of their loan so that there are no surprises at the closing and make the financing process a positive experience.
Purchase, refinance, and/or build a new or second home. Fixed rate loans are offered.
Home Equity Line of Credit
A Home Equity Line of Credit (HELOC) may be for you if you have one-time and/or ongoing financing needs. A HELOC can provide you the option to receive your cash all at once but also give you the flexibility to use your credit anytime for any expense. Only pay interest on the amount you withdraw.
If you want to make home improvements, build an addition to your home or put in a swimming pool, contact us to discuss your needs or apply for a Home Equity Line of Credit.
Fast Cash™ Personal Line of Credit
Enjoy the benefit of being able to use an overdraft protection line for customers who occasionally run short on cash due to unexpected expenses, such as medical bills or auto repairs.
Personal Consumer Loan
Looking for a new car or want a new kitchen? Need to consolidate debts or cover unexpected expenses? We make it easier than you think with a consumer loan from BAC and ECC Bank. Plus, with a choice of financing options, and fast personalized service, the process couldn't be simpler.
Bank Registered Mortgage Loan Originators
Registration and a review of the loan officer's history can be viewed by accessing the NMLS Consumer Access website: .
Loans and Lines of Credit are subject to local underwriting and approval.