The Peoples Community Bank
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Personal Services

CHECKING ACCOUNTS

Features Checking Plus Value Checking Premium Checking
Best if you want

A basic checking account.               

Unlimited check writing, a Personal Reserve Account (PRA) with duplicate checks included. An account that offers interest, a safe deposit box and duplicate checks.
Balance to Open $0 $0 $0
Interest Paid No No Interest paid on balances > $2,500; compounded monthly
Online & Mobile Banking Included Included Included
MasterCard Debit Card       Included Included Included
ATM MoneyPass® Access Included Included Included
Bill Pay & E-Statements Included Included Included
Online Check Images Included Included Included
Monthly Service Charge $5.00/month $7.95/month $10.00/month
FDIC Insurance Coverage Up to $250,000 per depositor      

Up to $250,000 per depositor

Up to $250,000 per depositor
Safe Deposit Box (3x5) Annual rental available Annual rental available Included
Overdraft Protection Available with annual fee Included - subject to credit approval Not available

For current rate information click here or call 1-800-795-2151.

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  • Checking Plus:  The monthly service charge of $5.00 can be waived with 3 or more qualifying services (2 services for students or seniors age 60 or better) selected from the list below.  Write up to 15 checks per month with no per item fees. Checks paid in excess of 15 monthly will incur a $0.25 per item service charge.
     
  • Value Checking: Monthly service fee of $7.95. Includes up to 2 boxes of duplicate checks per year at no additional charge.
     
  • Premium Checking: Monthly service fee of $10.00 can be waived with 5 or more qualifying services from the list below or combined deposit account balances of $10,000. Includes up to 2 boxes of duplicate checks per year at no additional charge.


QUALIFYING SERVICES

  • Direct Deposit
  • Online Statements
  • Email Alerts
  • Savings
  • Certificate of Deposit
  • IRA
  • Money Market Account
  • Mortgage Loan
  • Auto Loan
  • Credit Card
  • Personal Reserve Account
  • Alternative Investments

 

PREMIUM CHECKING

Balance and Rate Information:  If your daily balance is $50,000 or greater, the interest rate paid on the entire balance in your account will be 0.120% with an annual percentage yield of 0.120%.  If your daily balance is more than $24,999.99 but less than $50,000, the interest rate paid on the entire balance in your account will be 0.110% with an annual percentage yield of 0.110%.  If your daily balance is more than $2,499.99 but less that $25,000, the interest rate paid on the entire balance in your account will be 0.100% with an annual percentage yield of 0.100%.  If your daily balance is $2,499.99 or less, the interest rate paid on the entire balance in your account will be 0.00% with an annual percentage yield of 0.00%. Your interest rate and the annual percentage yield may change. At our discretion, we may change the interest rate on this account at any time. Interest will be compounded monthly.  Interest will be credited to your account monthly.  If you close your account before interest is credited, you will not receive the accrued interest.  Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).