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Products and Services

Checking Accounts

Regular Checking
  • Minimum opening deposit of $100
  • Free ATM/Debit Card
  • Unlimited Check Writing
  • Overdraft protection available through automatic savings transfer by request
  • Service charge  ($7) if balance drops below $500
  • Free Online Banking
  • Free monthly statement with check images
  • First Box of Checks Free
Regular Checking is also available FREE (no monthly service charge) to:
  • Full-time students
  • Senior Citizens (65+)
  • Direct Deposit customers


Free Checking
  • Minimum opening deposit of $100
  • No monthly service fee
  • No minimum balance
  • Free ATM/Debit Card
  • Free online banking
  • Unlimited Check Writing
  • Overdraft protection available through automatic savings transfer by request
  • Free monthly statement (no check images)


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NOW Checking

  • Minimum opening deposit of $1,000
  • Free ATM/Debit Card
  • Unlimited Check Writing
  • Overdraft protection available through automatic savings transfer by request
  • Service charge  ($8) if balance drops below $1,000
  • Free Online Banking
  • Free monthly statement with check images
  • First box of checks Free
  • Minimum daily balance of $1,000 earns interest

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Peoples Platinum Checking
  • Must be 50+ to qualify for membership
  • Access to bank travel, entertainment, events,
  • Periodic CD specials
  • Safe Deposit Boxes available at ½ price
  • Minimum opening deposit of $1,000
  • Free ATM/Debit Card
  • Unlimited Check Writing
  • Free Travelers Checks
  • Overdraft protection available through automatic savings transfer by request
  • Service charge  ($10) if balance drops below $1,000
  • Free Online Banking
  • Free monthly statement with check images
  • First box of checks Free
  • Premium Interest earned on balances over $5,000


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Business Checking

  • Minimum opening deposit of $100
  • Free ATM/Debit Card
  • Unlimited Check Writing
  • Overdraft protection available through automatic savings transfer by request
  • Service charge  ($7) if balance drops below $500
  • Free Online Banking
  • Free monthly statement with check images
  • First box of checks Free
  • No per item transaction fee
  • No maintenance charges or earnings credits

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Professional Checking

  • Minimum opening deposit of $1000
  • Free ATM/Debit Card
  • Unlimited Check Writing
  • Overdraft protection available through automatic savings transfer by request
  • Service charge  ($8) if balance drops below $2,500
  • Free Retail Internet Banking with unlimited bill payments
  • Free monthly statement with check images
  • First box of checks Free
  • Personal Banker
  • No per item transaction fee
  • No maintenance charges or earnings credits
  • Minimum daily balance of $2,500 earns interest
  • (Interest paid on accounts for Individuals, Non-Profits, and Sole Proprietorships only)


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Savings Accounts

Regular Savings
  • Minimum opening deposit is $100.
  • Interest is compounded and paid quarterly.
  • If the daily balance falls below $100, a $5 monthly service charge will be assessed.
  • You are allowed three free withdrawals each month, with a $2 charge for each additional withdrawal.

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Money Market Deposit Account

Minimum opening deposit is $2,000.
  • If the balance falls below $2,000 during the statement period, a monthly service charge of only $7 will be assessed.
  • The account will earn the Money Market rate of interest if the balance remains above $2,000. If the balance remains above $20,000 this account will earn a premium interest rate.
  • You are allowed six free withdrawals each month, with a $2 charge for each additional withdrawal.

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Certificates of Deposit
Certificates of Deposit (CD's) are savings certificates that pay a higher rate of interest for funds left on deposit for a specific length of time, with penalties for early withdrawal. CD's may be purchased from three months to four years for any amount $1,000 or greater with a fixed interest rate and Annual Percentage Yield. Peoples Bank offers single maturity or automatic renewal CD's with a variety of interest payment options. For added convenience, we encourage automatic deposit of interest payments into your Peoples Bank checking account. Note: A penalty may be imposed for early withdrawal. Call us today at 601-847-2210 to find out about our great CD rates.

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Individual Retirement Accounts
Peoples Bank offers both Traditional IRA's and Roth IRA's for qualified individuals who wish to take advantage of special tax benefits and save for retirement. Some Traditional IRA contributions and all interest earnings are tax-exempt until withdrawn. All interest earnings on Roth IRA's are non-taxable. Contact a Peoples Bank IRA specialist for more information about which type of IRA is better for your financial situation.

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Loans

We offer almost every type of loan that you could want. We offer a wide variety of loan products to homeowners or prospective homeowners, including mortgage, home improvement, and home equity. We offer competitive rates on new and used automobile loans, and try to meet our customers' needs with other types of personal loans as well. We have been a leader in our community for commercial lending. We are competitive on all types of loans. Please call or come by any of our offices if you have any questions about any of your loan needs.

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Other Bank Services
Peoples Bank has a variety of services for your convenience. If you need a service that is not listed, stop by an office and let's discuss your needs.

REMOTE BANKING
Bank by Mail
Internet Banking
Automated Teller Machines (ATM's)
Internet Banking
Peoples Access Line (PAL)
  - Access Various Accounts
  - Access Account Balances
  - Transfer Funds
  - Inquire by Check # or Amount
  - Request History Fax
Night Deposits
ATM/Debit Cards
Direct Deposit Services

IN-BANK SERVICES

Drive-Up Teller Services
Money Orders
Official Checks
Travelers Checks
Wire Transfers
U.S. Savings Bonds
Safe Deposit Boxes
Special Assistance


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