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Private Client Services

Step Up to the Next Level of Service

Get Started with Private Client Services

Private Client Services

Concierge financial services to fit your busy life.

An Elevated Banking Experience

Elements Financial prides itself on providing all our clients with exceptional service. But what if your wealth and well-being require additional time, care, and attention? For you, there's Elements Financial’s Private Client Services. You’ll be assigned your own Private Client Representative, who’ll personally handle your individual financial affairs. Your valuable time is freed up, so you can dedicate it to the things you enjoy most. You do more with us—let us do more for you.

Private Client Services Include

Banking

  • Private Client high-yield checking and savings accounts
  • 25 basis point rate enhancement on certificates over $500,000
  • Complimentary cashier's checks and wire transfers
  • Higher mobile deposit and transfer limits
  • Private Client-branded statements, checks, cards, and digital experience (Coming soon!)
  • Early access to select promotions and offers
  • No foreign currency exchange fees on eligible card transactions
  • Access to foreign currency
  • CO-OP network access for convenient in-person banking

Lending

  • Access to Emerging Professional Mortgage Pricing
  • Waived consumer loan application fee
  • Discounted mortgage application fee
  • Customized lending solutions tailored to your needs
  • Securities-based and unsecured lending solutions

Advisory & Concierge Services

  • A dedicated, assigned Private Client Officer — your single point of contact to Elements
  • Access to an Elements Wealth Management Advisor
  • Invitations to exclusive Private Client events and experiences

Let’s simplify your life.

You can rely on the personalized attention we give our clients, from assisting with day-to-day transactions and accounts to supporting more in-depth financial needs. We also offer a vast knowledge of Elements products, services, and most importantly, people, who we can connect you with to achieve your financial milestones.

Meet Our Private Client Representatives

I was a private banking client at a national bank for over 20 years. I had been wanting to make a change in my banking provider for many years but did not want to spend the time and hassle to make the switch. My Elements Private Client representative made the transition simple and seamless.

- Cindy Zweber-Free, Regional Vice President, Allied Solutions, Indianapolis, IN

You’ve spent years building your success.

Let us help you manage it.

 

Contact Us to Get Started

  1. 1 The High Yield Savings Plus account is a promotional savings account offering a fixed 3.75% Annual Percentage Yield (APY) on balances of $15,000.00 or more for the first 8 months. To qualify, a minimum of $15,000.00 in new money must be deposited, whether opening a new account or converting an existing High Yield Savings account or Private Client High Yield Savings account to the High Yield Savings Plus account. New Money is defined as funds not on deposit at Elements within the 30 days prior to opening the High Yield Savings Plus account. The promotional period begins on the account opening date or, for existing accounts, on the date the required new money deposit is met. For members to receive the promotional terms on existing High Yield Savings, you must contact Elements to convert your existing account to a High Yield Savings Plus account. Rates are accurate as of July 1, 2026. The High Yield Savings Plus account is a tiered rate account in which the dividends are calculated on the entire balance in your account based on the rate for the tier corresponding to each day’s daily balance. On the first business day following the last calendar day of the 8th month, the account and promotional APY will automatically convert to the then current non-promotional High Yield Savings tier structure or for Private Client, the non-promotional PC High Yield Savings account tier structure. APYs are variable and may change at any time without notice. Additional information for each tier: An APY of 0.10% applies to accounts with balances from $0.01 to $99.99; and from $100.00 to $2,499.99. An APY of 0.25% applies to accounts with balances from $2,500.00 to $9,999.99. An APY of 2.00% applies to accounts with balances from $10,000.00 to $14,999.99. An APY of 3.75% applies to accounts with balances from $15,000.00 and above. At least one account holder must be 18 years of age. Other qualifications may apply. Offer subject to membership approval. Elements reserves the right to modify or discontinue this offer at any time. Fees may reduce earnings. Federally insured by NCUA.
  2. 2 Share Certificate Annual Percentage Yield (APY) effective as of July 1, 2026, and may change without notice. Minimum deposit of $1,000 to open certificate. Primary members under the age of 18 must have a $500 minimum deposit to open certificate. Minimum of $500 balance required to earn dividends. Unless redeemed, upon maturity, the 8-month certificate will automatically reinvest into a 6-month certificate at the then current APY; the 13-month certificate will automatically reinvest into a 12-month certificate at the then current APY. Penalty for early withdrawal. Elements reserves the right to amend or discontinue offers at any time and to limit the balance of a certificate at any time.