Checking | Saving | Overdraft Protection | CD's | Other Services | e-statements

Checking Accounts

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Free Checking - You must deposit $50 to open this account. Unlimited check writing, no interest paid. Checks are safekept at no charge. The first 50 checks are at no charge (sample package). ATM/DEBIT card fee only $1.00 per month.

Free Business Checking - This account is perfect for businesses of any size because there is no minimum balance, and no transaction fees or monthly service charges! Businesses also can take advantage of Free
Internet Banking, Direct Deposit, the Business Debit Card, and many other conveniences. There is a $100 minimum to open an account, and the account is non-interest bearing. Ask for more information.

Super Now Checking - Interest bearing account if a minimum balance of $500 is maintained. If balance falls below $500, a service charge will be assessed. Interest rates are tiered according to balance.

Peoples Partners Checking Account - Exclusively for customers "50" and over. Minimum balance of $300 required for no service charge (monthly fee of $5 if balance falls below $300); earn interest every day $300 minimum balance is maintained; no fee on Cashiers Checks or Personal Money Orders; all Bank-Sponsored Peoples Partners events; special personalized checks, tiered interest rates.

PNB Club Checking - You must deposit $50 to open this account; unlimited checking with no per item charge; personalized wallet checks at no added cost to you; maintain a $500 daily balance to receive interest; no charge on Personal Money Orders or Cashiers Checks; accidental death and dismemberment insurance for one low monthly fee, tiered interest rates.

Odyssey Checking - A free checking account designed for students 16 years and older. With this account you receive your first 50 checks free of charge, and a discount on checks ordered from Deluxe Checks after that. Other services available with the Odyssey Checking Account are; ATM and ATM/Debit cards (with separate application), 24 hour PAL telephone banking, and Online Banking.

HEALTH SAVINGS ACCOUNTS - CHECKING

We are proud to offer this account to customers with qualifying high deductable insurance policies.  This no minimum balance checking offers free HSA checks, interest on balances over $500, monthly statement and debit card. Call us today for more details.

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Checking Ready Reserve (Overdraft Protection)

You Can Convert Your Good Credit to Cash - You've worked hard to build and maintain your good credit. Now you can enjoy the rewards of your efforts. Your success allows us to offer you a credit plan that you can bank on for convenience and cash.

Our Peoples Ready Reserve Means Financial Convenience - Our plan is designed to end checking account overdraft complications and charges. Ready Reserve means that we've approved, in advance, a personal, unsecured loan to balance your account if you should overdraw. With our plan, you avoid costly overdraft charges and embarrassing delays.

Our Peoples Ready Reserve Means Financial Freedom - You know the excitement of uncovering a great bargain, the joy of buying that perfect gift, or the fun of a spontaneous weekend holiday. But you may also know the disappointment of discarding your plans because of a depleted bank account. It needn't happen again. Use your good credit to qualify for our plan, and 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. Know the freedom of having a reserve fund at your command.

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Savings Accounts

Regular Savings - Minimum balance requirement is $50 - if balance falls below $50 any day in the month a service charge is assessed.

Peoples Partners Money Market Savings - With a minimum balance in our Money Market Savings account of $2,500.00, you could become a member of our Peoples Partners. This would allow you to take advantage of such services as no-fee cashiers checks, no-fee notary service, no fee ATM card, while receiving information about our travel and events especially designed for Peoples Partners. This account also offers check writing abilities.

MMDA Savings - A minimum balance of $1,000 is required to be service charge free. There is no limit to the number of withdrawals made, but pre-authorized transfers are limited to no more than 6 each month. A service charge is assessed if balance falls below $1,000 during the month, tiered interest rates.

Money Minders Savings - A savings account for the young saver from birth through age 13. This account is designed to promote healthy savings habits that will last a lifetime. Activities and promotions planned throughout the year for account holders. Minimum balance requirement is $25 - if balance falls below $25 any day in the month, a service charge is assessed.

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Certificates of Deposit

People today are looking for those "just right" investment opportunities to maximize their hard-earned dollars. Many are finding that Certificates of Deposit make an excellent short or long-term choice - for any purpose, from buying a new car to saving for retirement. We think you will, too.

The CDs at Peoples National Bank are designed to give you the most competitive rates available...combined with the safety and security you associate with this popular investment. And, for your convenience, we offer many options, including a broad range of maturity dates, fixed or variable rates (or a combination of the two), a choice of interest-payment dates...and more!

Whatever your investment goals, we have CDs to match. The experienced staff at Peoples National Bank will help you select the best alternatives to meet your current and future needs. And remember, with a CD from us, you can relax -- knowing your deposits and the interest earned are insured to the maximum amount allowed by an agency of the federal government.

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Other Services

• Visa Debit Card
• Individual Retirement Accounts:
    - Traditional
    - Roth
    - Health Savings
• 24 Hour Banking
    320-679-2255 or
    877-778-5505
• Internet Banking
• Telephone Transfers
• Bank by Mail
• Notary Service
• Check Imaging
• Direct Deposit
• Night Depository

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e-statements

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