No stored Google rating available.
Eclipse Bank is an FDIC-insured regional bank offering personal and business checking, savings, loans, and digital banking services across Kentucky and Tennessee.
Data compiled from public sources
Eclipse Bank is a regional financial institution operating as a Member FDIC bank with locations spanning from Louisville, Kentucky to Johnson City, Tennessee. The bank positions itself as a community-focused lender emphasizing personal relationships and local decision-making. Founded on the principle that "decision makers know you by name," Eclipse Bank operates a full-service banking model rather than a neobank or online-only platform.
The bank's service portfolio includes personal checking accounts (Solara, Opulent, Impact, and Prosperity tiers), personal savings products (Classic Savings, Money Market Accounts, CDs, IRAs), and personal loans. On the business side, Eclipse offers multiple business checking options (Free Business Checking, Classic, Analysis, Interest-bearing, and Charitable Interest variants), business savings, business CDs, and comprehensive business services including ACH transfers, remote deposit capture, wire transfers, and merchant card services. The loan products span personal mortgages, construction loans, HELOCs, auto/RV financing, business lines of credit, and commercial real estate lending.
Eclipse differentiates itself through emphasis on fee-free checking with no minimum balance requirements, accessibility features (AudioEye-enabled website), and a community-oriented marketing approach focused on Kentucky residency ("Make Kentucky Home"). The bank advertises competitive mortgage rates and positions itself as an alternative to larger national banks by emphasizing personal lending relationships and local decision-making authority. As a regional bank, Eclipse Bank is appropriate for customers seeking FDIC-insured accounts and traditional banking services with local branch access.
However, as a mid-sized regional institution rather than a major national bank or digital-first neobank, it may have more limited product innovation, higher fees on some services than online competitors, and less extensive ATM/branch networks than national competitors. The bank does not disclose specific rates, APYs, or lending terms on its public website.
This is state-level context for Banks consumers in Louisville, KY. It does not confirm that Eclipse Bank, Inc. or this specific location is licensed.
State regulator
Kentucky Department of Financial Institutions
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Eclipse Bank, Inc. processed 181 mortgage applications in 2023, with 93.9% recorded as approved across 10 states.
181
Applications
93.9%
Approval Rate
$317K
Avg Loan
10
States Served
Based on 181 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Eclipse Bank, Inc. offers 12 services including Personal checking accounts (Solara, Opulent, Impact, Prosperity), Personal savings accounts and money market accounts, Certificates of Deposit (CDs) - personal and business, Individual Retirement Accounts (IRAs), Personal loans and personal term loans, and 7 more.
Eclipse Bank, Inc. has profile signals associated with Kentucky and Tennessee residents seeking local relationship banking with FDIC insurance, Small business owners wanting business checking, merchant services, and accessible business lending, Customers prioritizing fee-free checking with no minimum balance requirements, Borrowers seeking home mortgages or business loans who prefer working with local decision-makers.
Key strengths: FDIC-insured deposits backed by full faith and credit of U.S. Government; Free checking accounts with no fees to verify and no minimum balance requirements; Multiple personal checking tiers (Solara, Opulent, Impact, Prosperity) to match different customer needs. Areas to consider: Limited geographic footprint (Kentucky and Tennessee only) compared to national and online banks; Website does not display rates, APYs, or specific lending terms for comparison shopping.
In the Banks category, comparable providers include 1st Trust Bank, Inc., American Bank & Trust Company, Inc., Bank of Buffalo. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Eclipse Bank is best suited for Kentucky and Tennessee residents who value local relationship banking, need FDIC-insured accounts, and prioritize fee-free checking. The primary caveat is that this is a regional institution with limited geographic presence and an incomplete online presence for rate comparison—customers should contact the bank directly or visit a branch to evaluate specific rates and lending terms before deciding.
FDIC-insured community bank offering checking, savings, mortgages, personal and business loans, and mobile banking services through multiple branch locations.
Profile signals: Customers seeking traditional banking relationships with in-person branch access combined with digital convenience, Small business owners needing equipment financing, expansion loans, or construction lending
Community bank in Bowling Green, Kentucky offering personal and business checking, savings, loans, mortgages, and digital banking services with 20+ years of local experience.
Profile signals: Bowling Green area residents seeking personalized banking relationships with a local community bank, Small business owners and entrepreneurs in South Central Kentucky needing local loan and cash management support
Community bank serving LaRue County, Kentucky since 1901, offering checking, savings, mortgages, CDs, and agricultural lending with FDIC insurance and online banking.
Profile signals: Kentucky residents in LaRue County seeking relationship-based banking with local decision-making, Agricultural customers needing livestock and equipment financing
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Eclipse Bank, Inc. and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.