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Card Guard

Card Guard

Powered by smsGuardian, is additional security for your debit card.*

Stop fraud in its tracks — add an extra layer of security to your debit card transactions with Card Guard, powered by smsGuardian. This service is available to all of our debit card customers. Simply enroll online and receive a text message alert any time there is suspicious debit card activity.

Summary

Additional fraud protection for your debit card.

Receive a text message alert for the following debit card transactions:*

  • Transactions greater than $200
  • Out of state transactions
  • Transactions for fuel
  • Card not present (online transactions)
  • International transactions

Simply ignore text alert if transaction is legitimate.

Reply with the code you receive via text if transaction is fraudulent, and your debit card will be blocked from further use.


Enroll Now


If you would like more information on Card Guard, contact us or call 888-505-BANK.


*Message and Data Rates May Apply.

For smsGuardian terms and conditions, please click here.

You may discontinue the receipt of Alerts immediately by texting the word STOP in reply to a Guardian Alert. You may unsubscribe from this service entirely online, by clicking here. Enrollment lasts for one year, at the end of one year you will receive a text to re-enroll. You may also discontinue alerts by texting the word STOP to 27576.

Evergreen Bank Group determines the frequency of messages with the following transactions generating text message alerts. A) transactions greater than $200 B) out of state transactions C) fuel transactions D) card not present transactions E) International transactions. Text alerts will be sent to your cell phone (or other SMS text messaging device) for your enrolled Evergreen Bank Group debit card. The number of alerts you receive will be based on your card usage. Cardholders will not receive more than one message per transaction on each enrolled card.

Cardholders that have mobile service provider Sprint, Nextel, Boost, or Virgin will receive an alert message every 30 days with the following message reminder, "Reminder: You have subscribed to Guardian transaction alerts for Evergreen Bank Group. Message and data rates may apply. Reply HELP for help. Reply STOP to cancel. For more information, click on "Service Usage Guide" on the Guardian Website or call (888) 868-8611.



80% Combined Loan to Value Program - Single Family Program

Combined Loan to Value: up to 80% Maximum Loan Amount $150,000

AmountInterest Rate (Prime 3.25%)APR*
$100,000 to $150,000Prime +.00 to Prime + NA4.25% Rate Floor
$50,000 to $99,999Prime + .25 to Prime + .504.25% Rate Floor
$25,000 to $49,999Prime + .50 to Prime + .754.25% Rate Floor
Up to $24,999Prime + .75 to Prime + 1.004.25% Rate Floor
80% Combined Loan to Value Program - Condominium Program

Combined Loan to Value: up to 80% Maximum Loan Amount $75,000

AmountInterest Rate (Prime 3.25%)APR*
$50,000 to $75,000Prime + .50 to Prime + .754.25% Rate Floor
$25,000 to $49,999Prime + .75 to Prime + 1.004.25% Rate Floor
Up to $24,999Prime + 1.00 to Prime + 1.254.25% to 4.50%
90% Combined Loan to Value Program - Single Family Program

Combined Loan to Value: up to 90% Maximum Loan Amount $75,000
(80% when 1st Mortgage Exceeds $750,000)

AmountInterest Rate (Prime 3.25%)APR*
$50,000 to $75,000Prime + 1.00 to Prime + 1.254.95% Rate Floor
$25,000 to $49,999Prime + 1.25 to Prime + 1.504.95% Rate Floor
Up to $24,999Prime + 1.50 to Prime + 1.754.95% to 5.00%
90% Combined Loan to Value Program - Condominium Program

Combined Loan to Value: up to 90% Maximum Loan Amount $60,000
(80% when 1st Mortgage Exceeds $750,000)

AmountInterest Rate (Prime 3.25%)APR*
$50,000 to $60,000Prime + 1.25 to Prime + 1.504.95% Rate Floor
$25,000 to $49,999Prime + 1.50 to Prime + 1.754.95% to 5.00%
Up to $24,999Prime + 1.75 to Prime + 2.005.00% to 5.25%

Fees:

$50 annual fee (waived with Evergreen Bank Group personal checking)

$295 processing fee

Terms:

  • IL Property Only, Primary Residence, Owner Occupied, Single Family Residence or Condo (no multi-unit or co-op properties)
  • Rate floor on floating rate line of credit programs range from 4.25% to 4.95%
  • Processing fee $295/file
  • HELOC payments are due on the 20th of each month (statements are generated on the last day of each month)
  • Minimum advance amount per draw is $500
  • Property insurance is required
  • Credit subject to approval
  • Balloon payment
  • Rates are variable and are based on the Wall Street Journal Published Prime Rate.
  • Rates, terms, and conditions are subject to change at any time

Disclosures:

*APR (Annual Percentage Rate) based on your loan-to-value (LTV), your approved line amount, and credit criteria, and will range from a variable APR of Prime to Prime+2.00, subject to change with Prime. As of today, the Prime Rate is 3.25%. The "floor" ranges from 4.25% to 4.95%, and the "ceiling" is 19.90%. No discount rate programs or promotions apply. Rates are variable and may increase after consummation. The floor rate is the minimum rate you may be charged on the line of credit. Your rate may never go below the floor rate, regardless of the Index + margin rate.

80% Combined Loan to Value Program:

Note: Credit and other restrictions may apply. Annual Percentage Rate (APR) can change on the first business day of the month following the change to the Wall Street Journal Prime Rate. There is no limit on the amount by which the annual percentage rate can change during any one year period. However, under no circumstances will your Annual Percentage Rate exceed 19.90% per annum or, go below 4.25% per annum at any time during the term of the Plan. If you had an outstanding balance of $10,000, the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $169.01. This Annual Percentage Rate could be reached immediately or prior to the first payment. Payments do not include amounts for taxes and insurance. There is a processing fee of $295 at the time of account opening. Annual Percentage Rate varies based on a maximum loan to value 80%, owner-occupied properties, depending upon your commitment amount and credit qualifications. Funds will be disbursed after the federally mandated cancellation period. Offer applies to an owner occupied single family residence or condo and is subject to underwriting standards. Property insurance is required; flood insurance may be required. Rates are dependent on your loan amount, product and qualifications. Closing costs paid by Evergreen Bank Group are limited to title, appraisal, credit report, flood determination and recording fees. Consult your tax advisor regarding the tax-deductibility of interest. This offer cannot be combined with any other offer and can be withdrawn at any time without notice. Offer subject to credit approval, including verification of application information and receipt of collateral documents. This offer does not apply to purchase money transactions.

90% Combined Loan to Value Program:

Note: Credit and other restrictions may apply. Annual Percentage Rate (APR) can change on the first business day of the month following the change to the Wall Street Journal Prime Rate. There is no limit on the amount by which the annual percentage rate can change during any one year period. However, under no circumstances will your Annual Percentage Rate exceed 19.90% per annum or, go below 4.95% per annum at any time during the term of the Plan. If you had an outstanding balance of $10,000, the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $169.01. This Annual Percentage Rate could be reached immediately or prior to the first payment. Payments do not include amounts for taxes and insurance. There is a processing fee of $295 at the time of account opening. Annual Percentage Rate varies based on a maximum loan to value 90%, owner-occupied properties, depending upon your commitment amount and credit qualifications. Funds will be disbursed after the federally mandated cancellation period. Offer applies to an owner occupied single family residence or condo and is subject to underwriting standards. Property insurance is required; flood insurance may be required. Rates are dependent on your loan amount, product and qualifications. Closing costs paid by Evergreen Bank Group are limited to title, appraisal, credit report, flood determination and recording fees. Consult your tax advisor regarding the tax-deductibility of interest. This offer cannot be combined with any other offer and can be withdrawn at any time without notice. Offer subject to credit approval, including verification of application information and receipt of collateral documents. This offer does not apply to purchase money transactions.

10-Year Fixed Rate Loan / 30-Year Amortization / Balloon Payment after 10 Years

80% Combined Loan to Value Program – Single Family Program

Combined Loan to Value: up to 80% Maximum Loan Amount $150,000

AmountInterest RateAPR*
Up to $150,0005.99% to 6.24%6.42% to 6.68%
80% Combined Loan to Value Program - Condominium Program

Combined Loan to Value: up to 80% Maximum Loan Amount $100,000

AmountInterest RateAPR*
Up to $75,0006.24% to 6.49%6.68% and 6.93%
90% Combined Loan to Value Program - Single Family Program

Combined Loan to Value: up to 90% Maximum Loan Amount $75,000
(80% when 1st Mortgage Exceeds $750,000)

AmountInterest RateAPR*
Up to $75,0006.49% to 6.74%6.93% and 7.18%
90% Combined Loan to Value Program - Condominium Program

Combined Loan to Value: up to 90% Maximum Loan Amount $60,000
(80% when 1st Mortgage Exceeds $750,000)

AmountInterest Rate (Prime 3.25%)APR*
Up to $60,0006.74% to 6.99%7.18% and 7.44%

Fees:

$295 processing fee

Terms:

  • IL Property Only, Primary Residence, Owner Occupied, Single Family Residences only (No multi-unit, no co-op properties)
  • Payments are due on the first of each month
  • Funds are disbursed in a lump sum
  • Funds will be available on the 4th business day after the loan documents are signed

Disclosures:

80% Combined Loan to Value Program:

*APR = Annual Percentage Rate. Credit and other restrictions may apply.

Payment example: Fixed Rate Loans Representative monthly payment example per $10,000 is $59.93 at 6.42% APR for 120 months and Fixed Rate Loans Representative monthly payment example per $10,000 is $61.55 at 6.68% APR and Fixed Rate Loan Representative monthly payment example per $10,000 is $63.18 at 6.93% APR.

Evergreen Bank Group offers equity loan products with an Annual Percentage Rate (APR%) that varies between 6.42% APR and 6.93% APR for fixed rate loans, balloon payment for all unpaid principal and interest after 120 months, 80% loan to value, owner-occupied properties depending upon your commitment amount and credit qualifications. Payments shown do not include amounts for taxes and insurance. There is a one-time $295 loan processing fee at the time of account opening. Funds will be disbursed after the federally mandated cancellation period. Offer applies to an owner occupied single family residence or condo and is subject to underwriting standards. Property insurance is required; flood insurance may be required. Rates are dependent on your loan amount, product and qualifications. Closing costs paid by Evergreen Bank Group are limited to title, appraisal, credit report, flood determination and recording fees. Consult your tax advisor regarding the tax-deductibility of interest. This offer cannot be combined with any other offer and can be withdrawn at any time without notice. Subject to credit approval, including verification of application information and receipt of collateral documents. This offer does not apply to purchase money transactions.

90% Combined Loan to Value Program:

*APR = Annual Percentage Rate. Credit and other restrictions may apply.

Payment example: Fixed Rate Loans Representative monthly payment example per $10,000 is $63.16 at 6.93% APR for 120 months and *Fixed Rate Loans Representative monthly payment example per $10,000 is $64.84 at 7.18% APR and Fixed Rate Loan Representative monthly payment example per $10,000 is $66.51 at 7.44% APR.

Evergreen Bank Group offers equity loan products with an Annual Percentage Rate (APR%) that varies between 6.93% APR and 7.44% APR for fixed rate loans, balloon payment for all unpaid principal and interest after 120 months, 90% loan to value, owner-occupied properties depending upon your commitment amount and credit qualifications. Payments shown do not include amounts for taxes and insurance. There is a one-time $295 loan processing fee at the time of account opening. Funds will be disbursed after the federally mandated cancellation period. Offer applies to an owner occupied single family residence or condo and is subject to underwriting standards. Property insurance is required; flood insurance may be required. Rates are dependent on your loan amount, product and qualifications. Closing costs paid by Evergreen Bank Group are limited to title, appraisal, credit report, flood determination and recording fees. Consult your tax advisor regarding the tax-deductibility of interest. This offer cannot be combined with any other offer and can be withdrawn at any time without notice. Subject to credit approval, including verification of application information and receipt of collateral documents. This offer does not apply to purchase money transactions.