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Choose the Personal Checking Account that's right for you!

Account
    Features 
   
Simply
Checking
Green    Checking CashBack Checking CashBack Checking
with Saver

NOW
Checking
 

Golden Choice
Checking
 

Traditional 
Checking Account

Free
High-Interest Checking Account

Free Checking that Pays you Cash Back  Link your Free CashBack Checking  to a Free Savings account for a high-interest automatic savings solution Earn Interest with all the benefits of a regular checking  account For individuals 55 years of age and over.  Includes Free membership in 
Peoples Bunch Club
Minimum to Open $100 $100 $100 $100 $1,000 $100
Minimum Daily Balance $500 $0 $0 $0 $1,000 $0

Monthly Rewards**
When account qualifications are met within the monthly qualification cycle.

None High-Yield Green Rate on the first $15,000 in your account; plus Unlimited Nationwide ATM fee** refunds 2% CashBack on first $400 of every day debit card purchases (max of $8.00 per statement cycle); plus Unlimited nationwide ATM fee** refunds Monthly CashBack Checking rewards automatically transferred to
high-interest
CashBack Saver
None None 
Interest Earned and Credited Monthly None Yes(1)

Interest Tiers:
$0.01-$15,000
$15,000.01 and up
Earn a base interest rate of .05% if qualifications are not met 
None

None

CashBack Saver Account Interest Tiers: 
$0.01-$5,000    $5,000.01 and up

Yes

Tiered Rate Schedule(2)
Yes(2)
Monthly Service Fee(3)

$3.95

To avoid service fee: 
Maintain $500 average daily balance, or 
Accept E-Statements

$0 $0 $0 $6.95

Maintain $1,000 average daily balance to avoid service fee
$3.95, $4.95, $5.95
Peoples ChekCard(4) $18 Annual Fee(2) FREE FREE FREE $18 Annual Fee(2) FREE
ATM Usage FREE(4) unlimited
ATM transactions.
FREE(4) unlimited
ATM transactions.
 
FREE(4) unlimited
ATM transactions.
 
FREE(4)
unlimited
ATM transactions.
 
FREE(4) unlimited
ATM transactions.
FREE(4)
unlimited
ATM transactions.
Online Banking FREE FREE (required) FREE (required) FREE
(required)
FREE FREE
Bill Pay $3.95 per month.
FREE with 1 or more transactions per month.
$3.95 per month.
FREE with 1 or more transactions per month.
$3.95 per month.
FREE with 1 or more transactions per month.
$3.95 per
month.
FREE with 1 or more transactions per month.
$3.95 per month.
 FREE with 1 or more transactions per month.
$3.95 per
month.
FREE with 1 or more transactions per month.
Statements Monthly statement with images. Monthly E-statement with images. Monthly E-statement with images. Monthly Combined 
E-statement with images.
Monthly statement with images. Monthly statement with images.
E-Statement       FREE FREE (required) FREE (required) FREE
(required)
FREE FREE


To Qualify for Green Checking and CashBack Checking rewards you must within each monthly qualification cyle**: 
        ♦ Have at least 12 debit card purchases that post and settle (excludes ATM transactions)
        ♦ Have at least 1 direct deposit or automatic payment (ACH) post and settle
        ♦ Accept and receive Electronic E-statements

As an added benefit, you will receive unlimited nationwide ATM fee refunds** per cycle when account qualifications are met within the monthly qualification cycle.  ATM surcharges greater than $4.99 are not automatically refunded and require the presentation of a receipt for refund. 

No minimum balance required to earn rewards.  No minimum balance required to maintain account.  No category restrictions for CashBack debit card purchases. Qualifying transactions must post to and settle to your account during the qualification cycle.  Available to personal accounts only; 1 account per person.

IMPORTANT NOTES:
Interest rates are variable and subject to change at the bank's discretion at any time. The annual percentage yield may vary due to the interest rate changes and fees. Please ask a bank representative for current interest rates and annual percentage yields based on designated balance tiers.

(1)  We use the daily balance method to calculate the interest on your Green Checking account.  This method applies a a daily periodic rate to the principal in the account each day.  
(2)  We use the average daily balance method to calculate the interest on your NOW or Golden Choice checking account. This method applies a daily periodic rate to the principal in the account each day. For Simply Checking and NOW Checking, maintain the minimum daily balance to avoid the monthly service fee.
(3) Sales tax applies.
(4) Peoples ChekCard (Debit or Photo Debit) available to qualified customers upon separate application.
(5) ATM transactions at Privileged Status ATMs are surcharge free.

Peoples State Bank will deem your transactional account inactive if you do not make any deposits to or withdrawals from the account for a 12-month period. An inactive account remains subject to service charges and may be assessed a non-refundable monthly Dormant Account Fee.

 

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