Eclipse Bank, Inc. in Louisville, KY

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.