Personal Checking Accounts
Free Checking
A great basic account
Minimum Balance: None; $50 to open
Interest: None
Monthly Charge: None
Debit Card: $1 per month (subject to approval)
Other Benefits
Combined statements
Online Banking
HD Checking
It’s our electronic checking account - more information
Minimum Balance: None; $100 to open
Interest: None
Monthly Charge: None; $5 if debit card requirements not met
Debit Card: Minimum of 10 point of sale transactions to avoid monthly service charge (subject to approval)
Other Benefits
Free Bill Pay
Estatements required
Transfer to HD Savings required to get a high interest rate
Combined statements
Online Banking
Super Now
Earn interest on your balances
Minimum Balance: $500 daily balance/ $50 to open
Interest: Yes, tiered rates
Monthly Charge: If below $500, $5/month plus 15¢/check
Debit Card: Free (subject to approval)
Other Benefits
Combined statements
Online Banking
Peoples Partners
For those age 50 or better
Minimum Balance: $300 daily balance/ $50 to open
Interest: Yes, tiered rates
Monthly Charge: If below $300, $5 per month
Debit Card: Free (subject to approval)
Other Benefits
Free wallet style checks (1box/year)
Free money orders and cashiers checks
Bank sponsored events
Combined statements
Online Banking
PNB Club
A package of services
Minimum Balance: $500 balance to earn interest/ $50 to open
Interest: Yes, tiered rates
Monthly Charge: Ask for details
Debit Card: Free (subject to approval)
Other Benefits
Free checks
Free money orders and cashiers checks
Accidental death and dismemberment insurance
Combined statements
Online Banking
Personal Savings Accounts
Regular Savings
• Interest accrued daily and compounded quarterly
• Quarterly statements or combine with checking statement to receive monthly
• $50 minimum balance; $5 service charge per month if below
HD Savings
• Interest accrued daily and compounded quarterly
• No minimum balance; $50 to open
• Automatic transfer from HD Checking required
Money Market Savings
• $1,000 minimum balance; $5 service charge per month if below
• Limited check writing privileges
• Tiered interest rates accrued daily, compounded monthly
• Quarterly statements or combine with checking statement to receive monthly
• Automatic and Online transfer abilities available
Peoples Partners Money Market Savings
• $2,500 minimum balance; $5 service charge per month if below
• Limited check writing privileges
• Tiered interest rates accrued daily, compounded monthly
• Having this account qualifies you for membership in the Peoples Partners Club for customers age 50 or better.
Money Minders Club for Kids
• For kids birth through age 13
• Special activities and events throughout the year
• $25 minimum balance; $2.00 service charge per month if below
• Interest accrued daily and compounded quarterly
Other Savings Options
Certificates of Deposit
• Variety of terms available
• Interest compounded quarterly on CDs with terms over one year
• $1,000 minimum; penalty for early withdrawal
Individual Retirement Accounts
• Certificates of Deposit
• Roth, Traditional, and/or SEP arrangements
• No annual maintenance fees
• Ask for current interest rates; penalty for early withdrawal
Health Savings Accounts
• Free interest-bearing checking account with Debit Card
• Free checks available
• Works with a high deductible health plan
• Tax benefits and much more
Withdrawal limitations may apply to all savings accounts.
Personal Banking Conveniences
Debit Card* Use it to get cash at ATMs and to make purchases at merchants accepting VISA.
E-Statements Have your statement sent electronically for fast and secure delivery.
Internet Banking www.pnbmora.com Get balances, transfer money, e-statements & view cancelled checks.
Online Bill Pay Get 20 bills paid for $8.95 per month, or 10 bills paid for $4.95 (each additional is $.50 per item) This can be free when you have HD Checking.
Telephone Banking Call 320-679-2255 or 877-778-5505 for 24-hour access to your account information.
Free Direct Deposit Have your payroll, pension or government check automatically deposited into your account.
Ready Reserve* Add this convenient line of credit to your checking account to avoid overdrafts and have greater buying power. Ready Reserve means that we've approved, in advance, a personal, unsecured loan to balance your account if you should overdraw. You can avoid costly overdraft charges and embarrassing delays while your checking account will become a personal loan account. You may write your own loan anytime you need extra money for pleasure or an emergency.
* Subject to application approval