Deposit – Personal
NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.
The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.
For more information about temporary FDIC insurance
coverage of transaction accounts, visit
www.fdic.gov.
Checking
Peoples Choice Club
Peoples Choice is our Club program and is available to all
personal account holders. The program includes a
variety of benefits for a single monthly fee.
- $50 minimum
balance to open
- Above $500-$4.00
Service Charge*
- Below $500-$6.50
Service Charge*
- Below $100-$7.50
Service Charge*
- Up to $30,000
accidental death insurance with active account±
- Interest Option
Available**
- Discounts for
Safe Deposit Box
- No Annual fee
for Check Reserve
- Discount option
available for loans if paid by direct debit
- No fees for up
to 3 cashiers checks and money orders per month
- Accessible with
ATM or
CheckCard (Checkcard subject to credit approval)
- Imaged Checks
with Statement
- Checks viewable
with Internet Banking
*Additional fees for additional accidental death insurance
coverage offered
**May combine with Interest bearing account-service charges
applicable
± Not a deposit, Not FDIC-insured, Not insured by any
federal government agency, Not
guaranteed by the bank, May go down in value.
Personal Checking
- $50 minimum balance to open
- No Monthly Service charge if low balance is greater than $500
- $4.00 monthly charge if low balance between $400-$499
- $5.00 monthly charge if low balance between $300-$399
- $6.00 monthly charge if low balance between $200-$299
- $.15 per item charge for over 20 checks (waived if minimum
balance greater than $500)
- Accessible with ATMor CheckCard(Checkcard subject to
credit approval
- Imaged Checks with Statement
- Checks viewable with Internet Banking
For more information, please email Peoples Bank & Trust
Company
Basic Checking
- $50 minimum balance to open
- No monthly service charge
- Unlimited checks allowed per month
- Accessible with ATMor CheckCard(Checkcard subject to
credit approval)
- Truncated Checks only
- Checks viewable with Internet Banking
For more information, please email info@bankwithpeoples.com
NOW Interest Checking
- $1,000 minimum balance to open
- $5.00 monthly charge if low balance less than $1,000
- $.15 per item charge for over 20 checks (waived if average
balance greater than $4,000)
- Accessible with ATMor CheckCard(Checkcard subject to
credit approval)
- Imaged Checks with Statement
- Checks viewable with Internet Banking
For more information, please email Peoples Bank & Trust
Company
Senior Citizen Checking Designed for the senior 62 or older who maintains a low
balance, need to write only a few checks a month, and
desires to have check images returned.
- $50 minimum balance to open
- No monthly service or minimum balance
- Accessible with ATMor CheckCard(Checkcard subject to
credit approval)
- Imaged Checks with Statement
- Checks viewable with Internet Banking
For more information, please email Peoples Bank & Trust
Company
Student Checking Designed for the student-usually high school or college who
maintains a low balance and needs to write only a few checks
a month. Student’s parent must have a deposit account with
Peoples Bank. Students less than 18 are required to have a
parent or guardian as a joint owner on the account.
- $50 minimum balance to open
- No monthly service or minimum balance
- Accessible with ATMor CheckCard(Checkcard subject to
credit approval
- Truncated Check Statement only
- Checks viewable with Internet Banking
For more information, please email Peoples Bank & Trust
Company
Savings
Statement Savings
Here’s the easiest way to start saving for the future. This
account only requires a $100 minimum to open and earns a
competitive interest rate. A $2.00 maintenance fee is
charged if balance falls below $100
- $100 minimum
balance to open and to obtain APY
- $2.00 service
charge if low balance is less than $100
- $3.00 per item
charge for withdrawal in excess of 3 per month or 9 per
quarter
- Accessible with ATM
- Limited to a total of 6 preauthorized debits per
month
For more information, please email Peoples Bank & Trust
Company
Christmas Savings Great to budget for those Christmas purchases and have your
money available on November 1.
- $10 minimum balance to open and to obtain APY
- $3.00 item charge for withdrawals in excess of 9 per
statement cycle
- Check issued or direct deposit to checking available
November 1
- Limited to a total of 6 preauthorized debits per month.
For more information, please email Peoples Bank & Trust
Company
Future Funds Children's Savings Give your children an early start in learning to save. Our
Future Funds account have only a $10 minimum balance to open
and no quarterly service charge under the age of 18 in
addition to earning a competitive interest rate
- $10 minimum balance to open and to obtain
APY
- No minimum balance service charge
- $3.00 item charge for in-person withdrawals in excess of 9
per quarter
- Limited to a total of 6 preauthorized debits per month.
For more information, please email Peoples Bank & Trust
Company
Money Market Deposit Accounts A
Money Market Deposit Account is a savings
account that allows convenient access, you may
write as many as three checks per month. Don’t
let that extra money sit idle in your checking
account-get paid for it. Our Money Market
Deposit Accounts are a great way to compliment
any checking account. As long as you maintain
the minimum balance no monthly service charge is
accessed. Interest rates are tiered so the more
money you save, the higher interest rate we
pay.
- $2,500
minimum balance to open and obtain APY
- $10.00
monthly charge if low balance less than $2,500
- Limited to a total of 6 preauthorized debits per
month
- Accessible
with ATM
- Imaged
Checks with Statement
- Check
viewable with Internet Banking
For more information, please email Peoples Bank & Trust
Company
Certificate of Deposits This account offers competitive rates and terms from 3 to 60
months to fit any of your investment needs. With a minimum
deposit of $1,000, start savings today, why wait?
Click here
to view Rates for Certificate of Deposits
account.
IRA’S This account offers competitive rates and terms from 12 to
60 months to fit any of your investment needs. You’re never
too young to start saving for retirement and only $500
minimum deposit to get started.
Click here
to view Rates for IRA’s |