Couple laughing in their living room while going over finances

Checking

Free Checking

  • No minimum opening deposit
  • No monthly service charge if positive balance maintained
  • Free MasterMoney ATM/Debit cards available

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)
  • Free MasterMoney ATM/Debit cards available

People's Choice Checking

All of the following benefits will be yours for just $6.50 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. You'll be protected with $10,000 Accidental Death and Dismemberment Insurance 24 hours a day. As a member, your Accidental Death coverage increases to $35,000 while traveling as a passenger on a Scheduled Airline.
  • Interest on Checking if you choose that type account.
  • 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. These secure, convenient instruments are available to you at no issue fee.
  • Rx Advantage Prescription Drug Program. Your Rx Advantage card gives you discount pricing on many prescription medications at participating pharmacies nationwide. And you'll have the added security of our prescription drug monitoring program alerting your pharmacist to important information about your prescriptions. *This is NOT insurance.
  • Payment Card Protection. Protect all your credit, debit, ATM and check cards in the event of loss or theft. Register your card numbers and with one phone call, you may cancel cards, stop unauthorized purchases and request new cards using our toll-free 24-hour number.
  • Savers Club. Everyday savings right at your fingertips. Find savings on movie tickets, theme parks, grocery coupons, car rentals and much more. With Savers Club you can also save up to 50% on room rates at thousands of participating hotels, motels and inns worldwide.
  • My Getaway. Choose from more than 30 exciting destinations for your two-night stay with this deluxe hotel rewards benefit.
  • Bonus Travel. Earn exciting cash rewards when you travel. Arrange your travel toll free, and get 5% savings on lodging expense, airline travel, car rentals, cruises and package trips.
  • Notary Service. Use our notary service at no additional charge.

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 when you choose that type account.
  • 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. These secure, convenient instruments are available to you at no issue fee.
  • Rx Advantage Prescription Drug Program. Your Rx Advantage card gives you discount pricing on many prescription medications at participating pharmacies nationwide. And you'll have the added security of our prescription drug monitoring program alerting your pharmacist to important information about your prescriptions. *This is NOT insurance.
  • Coast to Coast Vision Plan. This Vision Plan provides discounts of 10% to 30% or more when you purchase prescription eyeglasses and contacts at over 12,000 participating optical providers nationwide.
  • Payment Card Protection. Protect all your credit, debit, ATM and check cards in the event of loss or theft. Register your card numbers and with one phone call, you may cancel cards, stop unauthorized purchases and request new cards using our toll-free 24-hour number.
  • My ID Matters. www.myidmatters.net is an educational website designed to keep you informed of identity theft-related issues.
  • Savers Club. Everyday savings right at your fingertips. Find savings on movie tickets, theme parks, grocery coupons, car rentals and much more. With Savers Club you can also save up to 50% on room rates at thousands of participating hotels, motels and inns worldwide.
  • My Getaway. Choose from more than 30 exciting destinations for your two-night stay with this deluxe hotel rewards benefit.
  • Bonus Travel. Earn exciting cash rewards when you travel. Arrange your travel toll free, and get 5% savings on lodging expense, airline travel, car rentals, cruises and package trips.
  • Key Ring Protection. This provides a specially registered key ring that will allow your keys to be sent back to you if ever lost and returned to the Member Service Center.
  • Notary Service. Use our notary service at no additional charge.
  • 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.
  • Click here for more information on this account.

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 (606) 387-5626 or e-mail us at customerservice@pbtco.net

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 (606) 387-5626 or e-mail us at customerservice@pbtco.net

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.
  • During any statement period, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, or by check, draft, debit card or similar order to a third party.
  • 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 (606) 387-5626 or e-mail us at customerservice@pbtco.net

HI-FI PLUS Account

  • A $10,000 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 $10,000.00 any day of the cycle.
  • A minimum average daily balance of $10,000 must be maintained in order to obtain the annual percentage yield.
  • During any statement period, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, or by check, draft, debit card or similar order to a third party.
  • 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 (606) 387-5626 or e-mail us at customerservice@pbtco.net
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

Feature Fee
Check printing (fee depends on style of check ordered)
Money order $1.00 each
Cashier's checks $3.00 each
Nonsufficient funds (NSF) item $26.90 each
Overdraft status daily fee: Personal $5.00
Overdraft status daily fee: Commercial $5.00
Account research $15.00/hour
Dormant accounts $2.00/month
Stop payments-checks $15.00 each
Stop payments-ACH $25.00 each
Statement reprints $3.00 each
Image item reprints $1.00 each
Replacement debit cards $5.00 each
Photocopies $0.50 each
Wire transfers: Outgoing $25.00 each
Wire transfers: Incoming $25.00 each


We may require not less than 7 days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.
Personal using a debit card at a store front
Debit Cards

Simplified spending for busy lifestyles.