BUSINESS CHECKING

Regular Checking

  • No minimum opening deposit
  • No monthly service charge if balance maintained over $300
    • Balance maintained $200-$300, $3 service charge
    • Balance maintained $100-$200, $4 service charge
    • Balance maintained less than $100, $5 service charge
  • No service charges for students or senior citizens (person 62 years of age and over)
  • MasterMoney ATM/Debit cards available

*Additional Information

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People's Choice Checking

All of the following benefits will be yours for just $5 a month when you become a People's Choice member:

  • No minimum balance required
  • Personalized Checks
    • Receive all the personalized checks you need at no additional cost to you. Your special member checks will be printed with your name and address or take advantage of a $5 discount on other check styles.
  • Unlimited Checking
  • $10,000 Accidental Death & Dismemberment Insurance
  • Interest on Checking
  • Discount on Safe Deposit Box Rental
    • Store your valuables in a safe deposit box with $5 off the regular fee.
  • Travelers Checks, Cashiers Checks, & Money Orders at no issue fee
  • Travel & Entertainment Discounts
    • You'll be delighted with the great benefits from Vacation  Pass Travel Savings Program, so make your plans and start saving up to 50%.
  • Travel Rebate Program
    • Make discount travel reservations conveniently with a toll-free number. Receive up to 5% rebate on the total cost of airline tickets, rail travel, and hotel/motel costs.
  • Notary Service

*Additional Information

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People's Choice Plus Checking

People's Choice Plus members will receive all the benefits in the People's Choice Account plus these outstanding extras.  All for only $2.00 more per month:

  • No minimum  balance required
  • Personalized Checks
    • Receive all the personalized checks you need at no additional cost to you. Your special member checks will be printed with your name and address or take advantage of a $5 discount on other check styles.
  • Unlimited Checking
  • $30,000 Accidental Death & Dismemberment Insurance
    • People's Choice Plus coverage includes $30,000 of 24-hour a day Family Accidental Death and Dismemberment Insurance. Your Accidental Death Coverage increases to a total of $55,000 when you travel as a passenger on a scheduled airline. You'll also receive $2,500 coverage on each dependent child.
  • Interest on Checking
  • Discount on Safe Deposit Box Rental
    • Store your valuables in a safe deposit box with $5 off the regular fee.
  • Travelers Checks, Cashiers Checks, & Money Orders at no issue fee
  • Grocery Coupon Savings
    • You can order coupons good for more than $500 off various grocery products. Select from more than 1000 brand-name items in the back of your coupon book.
  • Travel & Entertainment Discounts
    • You'll be delighted with the great benefits from Vacation  Pass Travel Savings Program, so make your plans and start saving up to 50%.
  • Travel Rebate Program
    • Make discount travel reservations conveniently with a toll-free number. Receive up to 5% rebate on the total cost of airline tickets, rail travel, and hotel/motel costs.
  • Notary Service
  • Theme Park Discounts
  • Custom Trip Routing
  • Car Rental
  • Vision Care Savings
  • Money for College
    • Receive help in getting the scholarships and grants needed for your family's education.
  • Lost Key Return
  • 60-Day Satisfaction Guarantee
    • If for any reason in the first 60-days you are not satisfied with People's Choice Plus, we'll refund your membership fee and convert your account to our basic People's Choice membership.

*Additional Information

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NOW Account

Let your checking account earn you money:

  • A $500.00 minimum balance to open the account
    • A maintenance fee of $4 will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the cycle.
  • For rate information please call (931)864-3168 or e-mail us at info@pbt.com.

*Additional Information

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Super NOW Account

Let your checking account earn you money:

  • A $1,000.00 minimum balance to open the account
    • A maintenance fee of $7.50 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.
  • For rate information please call (931)864-3168 or e-mail us at info@pbt.com.

*Additional Information

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HI-FI Account

  • A $1,000.00 minimum balance to open the account
  • A maintenance fee of $4.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.
  • A minimum average daily balance of $1,000 must be maintained in order to obtain the annual percentage yield.
  • Transfers from a HI-FI account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to 6 per month with no more than three by check, draft, or similar order to third parties. Over-the-counter withdrawals are unlimited.
  • A HI-FI excess debit fee of $1.00 will be charged for each debit transaction in excess of 6 during a statement cycle.
  • For rate Information please call (931)864-3168 or e-mail us at info@pbt.com.

*Additional Information

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PEOPLES BANK AND TRUST COMPANY

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NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

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