Woman's hands holding a purple wallet filled with credit cards

Personal Banking

Personal Banking

Why choose FNBE for personal banking? Because we have personalized, friendly service, local decision makers and we really take care of your needs. Regardless of whether you call us, stop by or visit us online – we want you to enjoy your visit. 

We share your values and will do what we need to in order to earn your trust. We believe in creating positive experiences in every interaction. Our goal is to make it as easy as possible to manage your money. We value creating relationships that make banking personal. That’s how we continue to serve the people of South Jersey after over 100 years.

Some of our extra services include:

  • Safe deposit boxes are available at all offices with a wide range of sizes to fit our needs. Call the office of your choice for a quote on box rental fees.
  • 24-hour night depository available at all full service offices.
  • ATM’s are located at each office for 24/7 convenience.

Personal Checking

Basic Checking Account

  • Unlimited check writing
  • Minimum to open is $50.00
  • No limit on number of deposits
  • Monthly statements
  • Visa Check Card available
  • No monthly service charge
  • No minimum balance required

Super Now Account
Available to individuals, sole proprietorships, non-profit organizations and certain governmental units

  • Unlimited check writing
  • Minimum Daily Balance of $1,000. to earn interest
  • Monthly statements
  • No limit on number of deposits
  • Visa Check Card available

Money Market Account

  • Minimum to open is $1,000
  • Limited check writing
  • Minimum Daily Balance of $1,000. to earn interest
  • Unlimited cash withdrawals
  • Monthly statements

Senior Rewards Account
A regular checking account for customers age 55 and above

  • No minimum balance
  • No monthly service charge
  • Unlimited check writing
  • Minimum to open is $50.00
  • No limit on number of deposits
  • Monthly statements
  • Standard, cashier’s & certified checks
  • Direct deposit
  • Travelers checks and money orders
  • Notary services
  • ATM or debit card (normal usage charges apply)

Online Banking

Welcome to online banking that’s easier to use, more convenient and secure. Now you can have access to your money 24 hours a day, 7 days a week and never leave your home, and it’s FREE.

With Home Online Banking you can:

  • Access your account balance information on checking, savings and loan accounts.
  • Look up the account history and verify Visa Debit Card transactions.
  • Perform transfers between accounts and schedule recurring transfers.
  • Initiate stop payments.
  • Run customized reports.
  • Change your password and email address options.

Electronic Bill Payments

Ever forget to send a payment? Now you can have them sent electronically, automatically, on the same day every month. Help reduce the number of checks, stamps and envelopes you use, and it’s FREE.

  • Payment options: one-time payment setup and modification, recurring payments, payment confirmations, payment warnings and bill indicators.
  • Create payment rules: setup automatic or recurring payments by payee, make manual payments, mark a bill as paid automatically.
  • Bill management: display bills by payee, date or status; bill details and history; bill payment and payment history; and pending payments.
  • Status updates: track number of bills, payments or scheduled payments.
  • E-mail notifications: set up alerts and notifications of bill arrivals and lost/late bills, bills exceeding amount levels, payments due and payments made.
  • View reports: default payment reports, customized user reports, complete selection criteria and sorting capabilities.
  • E-bills: if a payee offers e-bills and it has not been set up, the system status will display “Set up e-bill” and gives you the option. If not available for a payee, status displays “Not Available”. Once an e-bill is set up and retrieved from a payee’s website, it is made available to you.
  • Finance Management: download to various accounting packages such as QuickBooks or Quicken.

Savings Accounts

Statement Savings Account

  • Minimum of $50 to open
  • Quarterly statements
  • Maximum of 6 pre-authorized withdrawals, automatic or telephone transfers, and debit card or other similar transactions per month or statement cycle
  • Use of ATM card with this account

Christmas Club Account

  • Minimum to open is $1.00
  • Interest paid annually at maturity
  • Automatic renewal every year
  • Partial withdrawals are not permitted
  • Payments can be automatically deducted from another account
  • New book sent every year

Certificates of Deposit

  • Terms available from 7 days to 60 months
  • Interest compounded monthly
  • Most certificates automatically renew at maturity
  • Rates subject to change solely at the Bank’s discretion
  • Special Limited Time offers may be available. Call to inquire.

Individual Retirement Accounts

Individual Retirement Accounts  ■  Education IRA’s  ■  Roth IRA’s  ■  Simplified Employee Pension (SEP’s)  ■  View Current Rates

Visa Check Card

Faster than writing a check  ■  Freedom to use wherever you see the Visa logo  ■  Debited directly from your primary checking account  ■  Use as an ATM card for cash advances at STAR, PLUS locations  ■  Transfer money between accounts  ■  Accepted at millions of locations

Important Notice – Please Read: The First National Bank of Elmer Visa Debit cardholders will be able to make ATM withdrawals up to $500 per day and Point of Sale (POS) transactions up to $1,000 per day.


At The First National Bank of Elmer we value our customers. We know that many of our customers appreciate the convenience and flexibility of using a Debit Card when making purchases. We are also taking steps to implement additional security to protect our customers and the Bank from debit card fraud. If a signature required transaction is attempted and meets the restricted threshold limits that are set, your transaction will be denied.

An automated notification attempt will be made to contact our cardholders at each of the numbers provided to us (up to 3 phone numbers). The automated notification makes 2 attempts to each number in 2 hour increments, each day for 2 days, between the hours of 8:00 AM and 9:00 PM EST. The automated notification will leave only 1 message and 1 contact number. When the automated notification contacts the cardholder, the cardholder verifies recent activity, accepts or refused the transaction or opts to speak with an analyst. You as a cardholder will be asked to verify your zip code that is on file.

It’s IMPORTANT that the Bank maintain current and accurate cardholder records. The Bank must have a valid primary phone number (example: mobile/cell phone) to contact our cardholders for verification of a transaction denied. You can provide up to 3 phone numbers. Should we need to contact you via letter, we need an updated and current address.

If you do not know or remember your PIN number, please contact us to have a PIN Mailer generated and mailed to you. Please note that it is IMPORTANT, to protect your account, your PIN should never be given to anyone and should not be written on your card or kept with your card.

Please contact us at (856) 358-8141 to verify or update your contact information that is on file, or stop in to any of our six locations and speak with a Bank representative regarding your account.

Consumer Credit Cards

What do you want most from your credit card?  Now you have a choice. Whatever your needs, we have a credit card that’s right for you!


Home Online Banking

FREE — NO software to buy or install

CONVENIENT – Simply login to your Home Online Banking account and you can access your monthly statements from your home or office computer. Save all your monthly statements to your computer and you will have the ability to retrieve past statements instantly.

SECURE – Once enrolled, you will no longer receive a paper statement in the mail. You no longer need to worry if your paper statement is late or lost in the mail.

Mobile Banking

Our secure mobile app already comes with your account … for FREE. Get instant account access! Search Elmerbank and download the app from the Apple App Store, Android App on Google Play or Amazon on Kindle fire.

Note that standard rates and fees from your wireless carrier may apply.

See how it will make your life easier…

  • Quickly keep tabs on your money whenever you want, wherever you are.
  • Take care of bills, transfers and more with just a few simple taps.
  • Monitor your account activity so you’re always in-the-know.

Your phone is always within reach…now so are your finances.

NOTE: With Mobile Banking, the “Terms & Conditions” of Online Banking apply.

Text Message Banking

Keep your money under your thumb and get important account updates by text. Set your preferences to get quick text alerts for:

  • Low-funds notifications
  • Weekly balance updates
  • Large withdrawals
  • Send a text to instantly know your balance, check on your latest transactions or even transfer funds.

It’s all FREE and secure and it works on just about any cell phone.

Be sure to have your cell phone in possession when enrolling, and follow the 3 simple steps.  Once enrolled, text message banking is completely set up and activated.