Checking Accounts

Choosing The Right Checking Account For You

On this page you can review a schedule of account benefits and charges for the different types of personal and business accounts that we offer, as well as a list of miscellaneous charges that are associated with account use. This is a great way for you to pick the account that is right for you and your situation. And with so many types of accounts to choose from, you know you’ll get just what you need!

Peoples Regular Checking

• Monthly maintenance fee of $6.00 if account balance falls below $500.00 anytime during the statement period.
• Requires $100.00 deposit to open the account.
• There will be a 25 cents per check charge if over 50 checks are paid during the statement period.
• Debit card available to qualified customers.

Peoples Club Account ( 60 Years Old & Over)

• Monthly maintenance fee of $5.00 if the balance in this, or related accounts, falls below $2,500.00 at anytime during the statement period.
• Unlimited check writing.
• Variable rate account- Rate determined weekly.
• Tiered rate- Daily balance determines rate paid.
• Interest paid monthly on statement cycle date.
• Requires an initial deposit of $2,500.00 to open the account.*
• No charge to photocopy your personal documents. (Up to 10 per visit)
• No charge for interim statements when needed.
• No charge for Club checks.
• No charge for direct deposit of your social security or other retirement checks.
• Debit card available to qualified customers.

Peoples Plus Account

• Monthly maintenance fee of $10.00 if account balance falls below $1,000.00 anytime during the statement period.
• Variable rate account- Rate determined weekly.
• Tiered Rate- Daily balance determines rate paid.
• Interest paid monthly on statement cycle date.
• Requires a $1,000 initial deposit to open the account.
• Unlimited check writing.
• Debit card available to qualified customers.

Peoples Business Checking

• Monthly maintenance fee of $6.00 if account balance falls below $1,000.00 anytime during the statement period.
• No charge to deposit checks.
• Unlimited check writing.
• Debit card available to qualified customers.

Peoples Student Checking

• Monthly maintenance fee of $2.00.
• Requires $100.00 initial deposit to open account.
• There will be a 25 cents per check charge if over 10 checks are paid during the statement period.
• Debit card available to qualified customers.

Miscellaneous Charges

• Return Check – $25.00
• Overdraft – $25.00
• ACH Returned Item – $25.00
• Stop Payment – $25.00
• Cashiers Check – $5.00
• Account Research – $20.00 / hr. ($5.00 Minimum)
• Copies – $ .10 / pg.
• Fax – $2.00 / pg.
• Monthly lost contact fee – $8.00 **
• Returned deposited item – $25.00
• Early closing fee (Within 90 days of opening) – $5.00
• Dormant checking account fee (Only if balance is below account minimum) – $8.00 / mo. ***
• Check printing fees vary with style

Notes

* This account is not available to corporations or partnerships.

** The lost contact fee is assessed if you fail to notify us of a change of your address and two consecutive statements on your account are returned to us after we try to mail them to you. This fee will be stopped if you notify us of your new address.

*** A checking account is considered dormant if for six months there have been no customer-initiated transactions.