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Bank
Rating by Finanso™
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The rating by Finanso™ is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Bank of Evergreen

Finanso.Multilogin™

The Bank of Evergreen was established in 1932 to serve the needs of the people of Evergreen and Conecuh County during the recovery from the 1929 Stock Market crash. The Bank of Evergreen remains an independent community bank, locally owned, operated and managed.

After 61 years in our old location, the Bank of Evergreen moved into our current location at 146 West Front Street. The Bank of Evergreen renovated the former Pix Theater, the former City Café, and other storefronts into our current office.

The lobby of the bank still contains many of the features of the former movie house. For a virtual tour of our lobby, please check back at this location as that feature is currently under construction.

Credit Cards

The Bank of Evergreen offers a Bank of Evergreen MasterCard with a competitive interest rate to meet your needs. Please visit our office to pick up an application, or call us and we would be happy to mail it to you.

Internet Banking

The Bank of Evergreen offers a full array of financial products and services, including Internet Banking, Visa Debit Cards, Automated Teller Machines, and Direct Deposit, to make banking more convenient for our customers. Below is a partial listing of additional products and services The Bank of Evergreen has to offer.

Internet Banking

Online Banking from The Bank of Evergreen gives you fast, simple and convenient control over your money. Online banking is free and includes:

  • Account Balances – View your personal account and loan balances
  • Account History – View checking and savings account history
  • Check Image – View the front and back of cleared checks
  • Transfer Funds – Set up scheduled or repeating transfers between accounts
  • Secure Messaging – Send and receive secure communications from the bank
  • Download History – Download account history

Bill Payment

After enrolling in on-line banking, you will have the option to add the bill pay feature which allows you to pay recurring, occasional, and one-time bills from your computer 24 hours a day.

  • Faster Payment – some payees will receive payment days earlier.
  • Easy Navigation – your information is organized.
  • Convenient Payment History – view your pending transactions or payment history with just the click of a button.

eStatements

An e-Statement is the same thing as a paper statement except it is available on-line. When the statement is ready, an e-mail is sent notifying you that your e-Statement is available through your The Bank of Evergreen online banking account.

E-Statement delivery allows you to receive your account information quickly and securely. Your statements are available on-line for 24 months. However, you can save your statements on your computer for long-time access. This convenient delivery method expedites statement delivery, eliminates the hassle of storing any paper statements, and provides you with a convenient, secure storage system. It also helps the environment by reducing paper usage. (Go green!) No additional fees apply.

What to focus on before applying for a loan with Bank of Evergreen

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Bank of Evergreen and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Bank of Evergreen’s reviews by May 2022