Association Banking

Encore Bank is now offering Association Banking, a new service that will help community associations manage their money quickly and efficiently.

How Will Association Banking
Help You?


• Products and services tailored to meet the needs of your community association

• Competitive rates, secure deposits, and a streamlined banking experience

• Solutions to manage and grow your funds safely and effectively

• The opportunity to deal with one bank that can serve all of your association banking needs

• Flexibility to access funds when you need them through investment options

What Does Association Banking Offer?

Association Checking 

  • $500 minimum to open an account

  • Unlimited transactions

  • Online and mobile banking for business with bill payment included at no additional charge

  • Monthly bank statements that reflect account activity

  • Visa and Mastercard merchant setup available

Association Money Market

  • $1,000 minimum to open an account

  • Six transfers, withdrawals, or third-party checks per month - a $10 charge for each additional item will apply

  • Online and mobile banking with bill payment included at no additional charge

  • Monthly bank statements that reflect account activity

Association CD’s

  • Savings account with a fixed interest rate and fixed maturity date

  • Variety of CDs available to help meet savings needs

* Flexible terms that meet your needs



What can Lockbox services do for you?

• Makes it easier to accept, process, and accurately apply customer payments
• Focus on your business instead of managing payments
• Increases efficiencies with fewer payment exceptions


Our digital services allow you to complete many common banking transactions from
your computer or mobile device.

  • Access your bank account

  • View real-time balances

  • Transfer money between eligible accounts at Encore Bank and other financial institutions

  • Pay bills online

  • Schedule bills for one-time or recurring payments

  • View images of processed checks

  • View your checking and savings account statements

  • Receive alerts via email or text to notify you about your account

  • Access your accounts through mobile banking

  • Download account information to, or connect directly from Quickbooks® and Quicken®



Take Online Banking to the next level with the addition of Cash Management Services.



Encore Bank's cash management services can help you control your finances and keep your fund secure. We are dedicated to delivering products designed to accelerate your receivable and control your payments. 


Deposit checks from your desktop with a scanner and our Remote Deposit Capture technology.

Keep your cash balances safe with a simple, secure solution. 

Thousands of banks across the United States offer services from IntraFi to help valued customers balance their needs for safety, returns, and liquidity. 


Dedicated exclusively to serving the needs of community associations! Enjoy the benefits of working with lenders who know and understand your association’s unique needs.

Loan Types
• Insurance Premium Financing
• Maintenance and Repair
   - Siding replacement
   - Painting
   - Roofing
   - Mechanical system replacement
   - Equipment
   - Paving
   - Concrete restoration
• Lines of Credit

   - Available in response to natural disasters such as floods, tornados, and hurricanes.
   - Bridges the gap between the time the damage restoration begins and when the insurance claim is processed.

*Loans are subject to credit approval.

Association Banking Team

Patti DuBuque

Patti DuBuque, PCAM®, AMS®, CMCA®


EVP,  Director of Association Banking

  Cell:  (727) 599-9685

  Office:  (813) 694-2513


Michele Ranalli

Michele Ranalli, CAM

SVP, Business Development Officer 

(727) 504-4206

Paul Petrulis Headshot.

Paul Petrulis, CPM®, ARM®, CAM


SVP, Association Banking Business Development

  Cell:  (727) 240-5371

 Office:   (813) 461-7850

Cindy Puchi

Cindy Puchi

Operations Specialist - Association Banking 

Office: (813) 937-1002

Headshot of Heather Ditullio.

Heather Ditullio


VP, Operations -  Association Banking

  Office:  (813) 438-3078