Checking

Compare Checking Accounts

As your friendly, completely local bank, we let you choose the added benefits you get from your checking account. With The Peoples Bank Rewards Checking, you’ll enjoy online banking, bill pay and ATM fee refunds. Or choose Rewards Plus Checking, with even more perks like cell phone protection, safe deposit box discounts, and IDProtect® identity theft monitoring and resolution. This handy comparison guide can help you decide which account best fits your lifestyle.

AccountRewards Checking
(Basic)		Rewards Plus Checking
(Premium)
Minimum Opening Deposit$100$100
Service ChargeNoYes
$4.95 Monthly
Paper Statement FeeYes *
$1.95 Monthly		No
Interest EarnedYes **Yes **
ATM Fee RefundsYes **
Up to $25 per month		Yes **
Up to $25 per month
Instant Issue Debit CardYesYes
eStatementsYesYes
Online Banking & Bill PayYesYes
Safe Deposit Box DiscountsNoYes
15% discount annually
Loan Fee DiscountsNoYes
$25 discount on consumer loan fees per application
Cellular Telephone ProtectionNoYes. Covers damage or theft of first three phones listed on cellular phone bill.*** To file a claim, call 1-866-210-0361.
IDProtect® Identify Theft Monitoring and Resolution ServiceNoYes ****

* If eStatements are requested through Retail Online, no Paper Statement Fee will be assessed.

** In order to achieve Tier 3 interest rates and receive ATM fee refunds, the following conditions MUST BE MET EACH STATEMENT CYCLE: (Transaction conditions must post/settle to the account)

  • Conduct at least 10 point-of-sale transactions
  • Have at least one direct deposit or draft transaction from an outside source
  • Access Online Banking
  • Receive eStatements

*** Special Program Notes: Deductible and limits apply. Cellular phone bill must be paid through the account. The descriptions herein are summaries only and do not include all terms, conditions, and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is offered through the company named on the certificate of insurance.

**** Some benefits require registration/activation. IDProtect® service is a personal identity theft protection service available to personal checking account owners, their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.

Debit Cards

Most people prefer debit card convenience to paying cash or writing an actual check. The Peoples Bank debit card is a safer, more secure way to complete purchases or make ATM withdrawals. Say hello to your new best friend!

  • Instantly issued when you open an account
  • 24/7 access to your funds at ATMs
  • Safer than carrying cash or writing checks
  • No checks to buy, or checkbook to carry
  • Watch your budget by setting transaction limits
  • Extra security of turning your card “on” or “off”
  • Follow your card activity with real-time Notifi alerts
  • Make purchases anywhere Visa® is accepted
  • Manage your Debit & Credit Cards within the Mobile Banking App
  • Our card management services enables debit and credit cardholders to digitally manage their cards and see their spending under one unified platform delivered through The Peoples Bank app.
  • Zelle, Apple Pay, Google Pay
  • Real-Time Mobile Deposit

Health Savings Account (HSA)

Push aside your worry about medical costs by letting our local banking experts establish a Health Savings Account for you and your family. It’s a tax-free, interest-earning account that lets you save for future medical expenses…and the balance rolls over every year. Plus, it’s not tied to your job or insurance, so you have easy access to your funds when you need them for medical expenses.* It’s a healthy investment, all managed here, so you can avoid surprises down the road.

  • Save for future medical expenses
  • Earn competitive tax-free** interest
  • Contributions are tax deductible
  • Quick, easy access to your medical savings
  • Online Banking
  • Mobile Banking***
  • Funds roll over annually—you don’t lose it if you don’t use it
  • This account is not tied to your employer or insurance
  • $25 minimum opening deposit
  • Federally insured by the FDIC

*When used for qualified medical expenses. Consult a tax advisor.
**Annual contribution limits are set by the IRS.
***Wireless carrier data rates may apply.