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Individual Retirement and Education Savings Accounts
EBANK offers you Traditional & Roth Individual Retirement Accounts (IRA’s). These investment tools help you build for retirement years.
Traditional IRA
A Traditional IRA grows tax-deferred until you withdraw the money – generally after you retire.*
Since income is usually less after you retire you may be taxed at a lower rate.*
Roth IRA
Roth IRA’s work differently from a Traditional IRA. Contributions made to Roth IRA's are not tax deductible. Qualified distributions may be federal tax-free*.
*Some exceptions may apply. Please consult your tax advisor.
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Coverdell Education Savings Account
Make Saving for Education Less Taxing
A Coverdell Education Savings Account (CESA) allows you to contribute up to $2,000 every year for each child until the age of 18 toward a college fund on a nondeductible basis. The age requirement is waived for a child with special needs. As a contributor, your allowable contribution depends upon your modified adjusted gross income. Earnings on your EBANK CESA grow tax-deferred and your withdrawals for qualified education expenses may be tax free.**
**Consult your tax advisor
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